GENERAL

The information, material and content provided in the pages of the Site, including pricing information, (the "Information") is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and Joanna Starczynowski has no obligation to update the Information. The Information or the Site may be changed, withdrawn or terminated at any time without notice.

Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly, and at least monthly, and your continued access or use of the Site will mean that you agree to any changes.

NOT OFFERING ANY ADVICE
The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice for you, and should not be relied upon in that regard. You should not act or rely on the Information without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and that action is taken on the latest available information.

INTERNET E-MAIL
Any unprotected e-mail communication over the Internet is, as with communication via other mediums (e.g. cellular phones, post office mail), not secure or confidential, subject to possible interception or loss, and is also subject to possible alteration. You should not send any confidential, proprietary or sensitive information via this medium. Joanna Starczynowski is not responsible for and will not be liable to you or any one else for any damages in connection with an e-mail sent by you to Joanna Starczynowski, or an e-mail sent by Joanna Starczynowski to you.

NO LIABILITY
Joanna Starczynowski is not responsible for and will not be liable to you or anyone else for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Site or the Information, or your access to or use of, or inability to access or use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any errors in or omissions from the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if Joanna Starczynowski has been advised of the possibility of these damages.

LINKS/SOFTWARE
Links from or to web sites outside the Site, are for convenience only. Joanna Starczynowski does not review or control, and is not responsible for, any web sites linked from or to the Site, the content of those web sites, the privacy practices of those web sites, the third parties named therein, or their products and services. Linking to any other web site is at your sole risk and Joanna Starczynowski will not be responsible or liable for any damages in connection with such linking. In addition, Joanna Starczynowski does not endorse or approve of any web sites linked from or to the Site.

Links to downloadable software web sites are for convenience only and Joanna Starczynowski is not responsible or liable for any difficulties or consequences associated with downloading such software. Use of any downloaded software is governed by the terms of the applicable license agreement, if any, which accompanies or is provided with such software.