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We do not collect or compile any identifying information for dissemination or sale to third parties for any purpose.

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We make no warranty or representation of any kind regarding the content on this site or any site to which this site is linked. Links to other sites are not to be interpreted as endorsements of those sites. All content is subject to change without notice. We will not be held liable for errors or omissions.

This site contains copyrighted materials, trademarks and service marks that are owned by Stern & Associates, Michael Daniels, Publishers, or third parties and you agree not to infringe upon them or alter or remove them in any way.

Stern & Associates will not be held liable for damages, expenses or losses resulting from information provided on this site or a linked site.

By accessing and using this site, you accept these terms and conditions, without limitation or qualification.

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