Terms & Conditions

Welcome to our website (the "Site"). This Site is owned and operated by the respective companies identified herein. By accessing and using the Site, you agree to abide by these Terms of Service, as well as our Privacy Policy. Additional terms and conditions may apply to specific sections of the Site or to products and services available through the Site.

We reserve the right to modify these Terms of Service at any time. Any changes will be posted on the Site, and your continued use of the Site after such modifications constitutes your acceptance of the updated Terms of Service.

Please read and understand these Terms of Service, as well as any accompanying rules, or privacy policies. By accessing and using the Site, you acknowledge and agree to be bound by all the terms and conditions set forth herein.

Should you have any questions or concerns regarding these terms and conditions, please refer to the contact information provided below.

‍General Advice Disclaimer

‍The advice we provide, whether related to health, finance, or any other subject matter, is of a general nature and may not be suitable for everyone. It is important to recognize that our advice does not take into account individual circumstances, such as personal preferences, goals, or specific needs.

We do not assess the suitability or appropriateness of any actions or decisions based on our advice. If you require advice tailored to your specific circumstances, we recommend seeking independent advice from qualified professionals who can consider your unique situation.

Please note that our advice is provided for informational purposes only and should not be considered as professional or personalized advice. We encourage you to exercise caution and use your own judgment when applying our advice to your particular situation.

‍Limitation of Liability

‍To the fullest extent permitted by applicable law, we and our affiliates shall not be liable for any indirect, consequential, incidental, punitive, exemplary, or special damages arising from, including but not limited to:

This limitation of liability applies to contract, tort (including negligence), strict liability, or any other legal theory. Some jurisdictions may not allow the exclusion or limitation of certain categories of damages, so the above limitations may not apply to you.

Furthermore, we are not liable for any defamatory, offensive, or illegal conduct of any user. If you are dissatisfied with the website(s), products, services, or any terms and conditions, your sole and exclusive remedy is to discontinue using them.

‍Proprietary Rights and Intellectual Property

‍This website and its associated content are protected by intellectual property laws, including copyright, trademark, service mark, trade secret, and/or patent laws. The following provisions apply:

Disclaimer of Warranties

‍This website and its associated content are provided on an "as is" and "as available" basis. We make no warranties or representations, express or implied, regarding the website or any content provided herein. The following disclaimers apply:

Please note that links to third-party sites provided on the website are for informational purposes only and do not imply endorsement or sponsorship. We are not responsible for the information, products, or services offered on those third-party sites.

We make no warranty regarding the accuracy, completeness, or usefulness of any content provided by third parties. Any opinions, advice, statements, services, or offers expressed by third parties are solely those of the respective authors or distributors and not ours.

We expressly disclaim all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose, to the fullest extent permissible by applicable law. We do not warrant that the website or its functions will be uninterrupted or error-free, that defects will be corrected, or that the site or servers are free of viruses or other harmful components. We do not guarantee the correctness, accuracy, timeliness, reliability, or overall performance of the site or materials.

‍DMCA Compliance and Copyright Infringement

‍The Digital Millennium Copyright Act of 1998 (DMCA) provides remedies for copyright owners who believe their rights are infringed on the Internet. We are committed to complying with the DMCA and addressing copyright infringement issues promptly. If you believe that material hosted on our site infringes your copyright, you may submit a DMCA notification. The notification should include the necessary information outlined in the DMCA requirements. Conversely, if you receive a wrongful copyright infringement notice, you have the right to submit a counter-notice. Please ensure the accuracy of the information provided and your authorization to act on behalf of the copyright owner. For contact information, please refer to the details provided on this page.

‍Electronic Communications

‍By using the Website or communicating with us via electronic mail, you agree to receive communications from us electronically. This includes receiving emails or notices posted on this Website. In accordance with applicable laws, you consent to the electronic delivery of notices, policies, and transaction-related information through email. Please note that by agreeing to this, you waive any rights or requirements under any jurisdiction that may mandate non-electronic means of communication or record-keeping.

‍Online Commerce

‍Please note that certain sections of our Site provide information and links to various products and services offered by third-party merchants. We want to emphasize that we do not assume responsibility for the quality, accuracy, timeliness, reliability, or any other aspect of these products and services. When you click on a link or make a purchase from a merchant's website, the merchant may collect information such as your personal details, payment information, and contact information. Please be aware that each merchant may have different privacy and data collection practices that are independent of ours. We are not liable for these separate policies.

Additionally, it's important to note that any transactions, interactions, or correspondence you have with third-party merchants are solely between you and the merchant. We are not involved in the payment, delivery, or any other aspects of these transactions. Therefore, we cannot be held responsible for any issues, losses, or damages that may arise from your dealings with third-party merchants.

We encourage you to review the specific terms and conditions, privacy policies, and any additional information provided by the merchant before making any purchases. By clicking on a merchant's link or engaging with their products or services, you release us and our affiliates from any liability and agree not to hold us or them accountable for any damages incurred.

‍Site Access

‍We reserve the right to cancel or terminate your access to the Site at any time without notice. Upon cancellation or termination, you will no longer be authorized to access the affected part of the Site. The restrictions on downloaded materials and the disclaimers and limitations of liabilities stated in these Terms of Service will continue to apply even after termination. Your compliance with these terms and any other obligations or liabilities incurred prior to termination remain in effect.

‍Dispute Resolution, Class Action Waiver, and Governing Law

‍Any dispute, controversy, or claim arising out of or related to this Agreement that cannot be resolved amicably shall be settled through arbitration administered by the American Arbitration Association (AAA) in accordance with its commercial arbitration rules. The arbitration shall be conducted in New York before a single arbitrator. The arbitrator will apply the substantive laws of the State of New York, disregarding its conflict of law provisions, and the procedural commercial rules of the AAA. The arbitration decision will be final and binding, rendered in writing with findings of fact. Judgment on the award may be entered in any court with jurisdiction.

To the extent permitted by applicable law, the parties waive their right to a trial by jury for any claim, counterclaim, or action arising from the terms of this Agreement, and the language used in the arbitration shall be English.

You may only resolve disputes with us on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed unless all relevant parties specifically agree to do so following the initiation of the arbitration.

By agreeing to these terms, you waive any and all rights to claim punitive, incidental, or consequential damages, attorney’s fees and costs, and the right to have any actual damages multiplied or increased for any reason. The only damages to which you will be entitled shall be your actual damages associated with this Agreement.

If a dispute arises, you agree to first contact us at the contact information below before formally submitting a dispute to arbitration so we may choose to informally resolve the dispute.

‍Severability

‍If any provision in this Agreement is found to be invalid, illegal, or unenforceable, it will not affect the remaining provisions, which will remain enforceable to the fullest extent permitted by law. The severance of any clause will not impact the validity and enforceability of the rest of this Agreement.