Website Privacy Policy & Terms of Use - Our Privacy Policy discloses that this website does not collect personal information. Advertisers and other resources listed on this site may; however, so please refer to their individual Privacy Policy & Terms. By using this website you explicitly agree to our Privacy Policy and Terms and Conditions. If you do not agree, please do not use our website. It is our goal to bestow your confidence in our website. You must be at least 18 years old to use this web site. If you are under 18 years of age, you may not use the services offered on our web site unless they are used with the consent, permission and supervision of your parents or guardians. No spam policy: We have a "no spam policy", and do not send unsolicited commercial email (UCE). This website does not directly perform any type of email marketing or sending of newsletters; however, some websites listed may and you will have to refer to their individual spam policies. Our use of cookies is limited to the minimum extent necessary for the effective browsing of our sites. We do not employ any type of spyware nor any software that will affect your computer nor your internet browser. If your browser has Cookies disabled, you may still use our website. We do monitor Internet Protocol (IP) addresses for abuse, and may disclose abusive IP addresses to authorities. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet. From time-to-time, we may solicit website visitor opinions or other research data via Polls. Refer to the Privacy Policy of individual Polls before responding. Should we ever collect information, we have appropriate security measures in place in our physical facilities to protect against loss, misuse or alteration. We reserve the right to update or modify our Privacy Policy at any time and without advance notice. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement. If you do not agree with the changes to how your information will be used, please do not continue to use this web site We encourage you to check our site frequently to see the current privacy statement and to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and/or other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. Our Privacy Policy will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy. Terms and Conditions This website is an information portal, and ass such does not directly provide any services. Our website is like an online newspaper, and provides advertising space for entities and; as such, our website contains categories (web pages) related to various services and products. These categories are provided to the consumer to assist them in locating specific products or services (based on current availability), but is not a guarantee, neither expressed nor implied, that such products or services shall be currently available to consumers. Additionally, content on the website may not reflect the actual Terms/Conditions of any particular advertisement. It is each consumer's responsibility to fully evaluate the product or service offered by an advertiser prior to submitting an application. In some circumstances when a particular product or service is not currently available for a specific web page category, this site may; at its sole discretion, place alternative solution advertisements. This site reserves the right to accept, deny, and/or remove advertisements at its sole discretion. In instances in which an advertisement is removed; either per request of the advertiser or at our discretion, such advertisement removal shall not result in the updating of standardized content on this website, nor the update or removal of "category" web pages. This website is provided "As Is" to consumers, with no warranties nor guarantees granted directly by this site or its owners. Warranties and/or guarantees expressed on web pages are done so to compliment the particular category. Neither this site nor its owners are liable for any advertised services, nor for a consumer's failure to fully understand an advertiser's Terms/Conditions and/or failure to preview our Term/Conditions. Dispute resolution: Visitors who apply for a product or service resource listed on this site shall not hold this site nor its owners liable for any transactions, disputes, nor for resolving disputes. To use our website, links and resources, You agree to hold this site and its owners harmless and indemnify it and its owners of any damages as a result of using this website, links and resources. This site shall not be held liable for the results of Your clicking-through on a resource link and applying for any product or service. You understand and agree You must be at least 18 years old to use our website.