Disclaimer

  1. Terms of Use

This is a personal blog. Any views or opinions represented in this blog are personal and belong solely to the blog owner and do not represent those of people, institutions or organizations that the owner may or may not be associated with in professional or personal capacity unless explicitly stated.

Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual.

  1. Copyright Policy

Robert Paugh is the legal copyright holder of all material on this blog and that others cannot use it to reprint or publish without my written consent.

  1. Hold Harmless

All content provided on this blog is for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.

The owner will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information. Readers need to understand that they are reading and/or using any of the information from my blog at their own risk.

  1. Privacy Statement

The owner of this blog will not sell any of your personal or contact information to another company. The owner will not put your information on spam lists. The owner is not responsible for the privacy practices of any of my advertisers or blog commenters.

  1. Reserve Rights

The owner reserves the right to change the focus on this blog, to shut it down, sell it or to change the terms of use (go to a paid platform) at the owner’s own discretion.

  1. Advertisers and Sponsors

The owners are not responsible for the actions of your advertisers or sponsors. For example, when readers buy a product or service based upon a link from my blog, you must take action with that exact company to resolve any issues, not with the owner of this blog. Any downloadable file, including but not limited to pdf, docs, jpegs, png, is provided at the user’s own risk. The owner will not be liable for any losses, injuries, or damages resulting from a corrupted or damaged file.

  1. Letters or correspondence to the Owner

All Letters, emails to the owners will be kept confidential. However, letters or questions could be used in a future blog or column.

Comments posted to blogs

The blog owner is not responsible for the content in comments.

Comments are welcome. However, the blog owner reserves the right to edit or delete any comments submitted to this blog without notice due to:

– Comments deemed to be spam or questionable spam.

– Comments including profanity.

– Comments containing language or concepts that could be deemed offensive.

– Comments containing hate speech, credible threats, or direct attacks on an individual or group.

Updated December, 2018

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