Privacy Policy - Terms of Use - Legal Information

This site does not collect or store any personal information other than server information from a user page request. Server information includes IP address, requested URL, browser language and type, data and time. This information is used to determine the number of times a file is requested from the website server.

This site uses third-party companies or services to provide website performance statistics, display ads and display social sharing buttons. These third-party companies may collect user information by beacons, cookies or other tracking technologies. Users have the option of disabling cookies or choosing their own privacy settings. This can be done by updating browser settings or updating preferences at the third-party's website. The services this site uses are listed below. In addition, links are provided to opt out of the data collection from the services or to set privacy settings.

To improve user experience, user retention and to analyze site loading time, this site uses Google Analytics.
To opt-out of this data collection or to set privacy settings visit:
https://tools.google.com/dlpage/gaoptout/

To make it easier to share content via social bookmarks and buttons, this site uses AddThis, LinkedIn and Facebook.
To opt-out of this data collection or to set privacy settings visit:
https://www.addthis.com/privacy/index
https://www.facebook.com/help/568137493302217
https://www.linkedin.com/help/linkedin/answer/34318/opting-out-of-endorsements?lang=en

To show personalized, relevant and behaviorally targeted advertising, this site uses Google Adsense and Amazon Associates. These services my use cookies to serve ads base on user's visits to this site or other websites. To opt-out of this data collection or to set privacy settings visit:
https://myadcenter.google.com/
https://policies.google.com/technologies/ads
https://www.amazon.com/adprefs

This site displays ads from Google Adsense. Google, as a third party vendor, uses cookies to serve ads on this site. Google's use of the cookies, DART cookie or other advertising technology enables Google or its partners to serve ads to users based on their visit to this site and other sites on the Internet. Users may opt out by visiting the Google ad and content network privacy policy at https://policies.google.com/technologies/ads or https://myadcenter.google.com/

This site is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

See the Help menu of your browser for instructions on how to manage, disable and delete cookies. For more information on browser cookie management visit http://www.aboutcookies.org.

To change your choices to receive behaviorally personalized targeted ads visit or to opt out visit:
https://www.youronlinechoices.com
https://www.aboutads.info

With the use of this website, programs, software or calculators (hereinafter 'SOFTWARE' - defined as website, programs, software or calculators), the end user agrees to the following terms, conditions and disclaimers.

This Terms of Use allows you to access this site for non-commercial personal use.

The creators, Jimmy Raymond and Alena Raymond(hereinafter 'AUTHOR'), of this SOFTWARE do not represent or endorse the accuracy or reliability of any of the information or content distributed or derived through the SOFTWARE. You hereby acknowledge that any reliance upon the SOFTWARE or any materials shall be at your sole risk. The content or material is on an "as is basis". The AUTHOR disclaims any and all warranties, expressed or implied. With use of this SOFTWARE, website, products or materials, in no event shall the AUTHOR shall be liable for any direct, indirect, incidental, punitive, or consequential damages of any kind whatsoever with respect to the material, service, and the products.

THE SOFTWARE IS PROVIDED AS IS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AUTHOR FURTHER DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE PRODUCT AND DOCUMENTATION REMAINS WITH RECIPIENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE AUTHOR BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT OF THIS AGREEMENT OR THE USE OF OR INABILITY TO USE THE PRODUCT, EVEN IF THE AUTHOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The AUTHOR is not obligated to provide maintenance or updates for the SOFTWARE. However, any maintenance or updates provided by the Author shall be covered by this Agreement.