By accessing or using our website, you agree to be bound by the following terms and conditions (the "Terms of Service"). Please read them carefully.

1. Acceptance of Terms

By accessing or using our website, you confirm that you accept these Terms of Service and that you agree to comply with them. If you do not agree to these Terms, you must not use our website.

2. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted means you agree to the new terms.

3. Privacy

Your use of our website is also subject to our Privacy Policy, which describes how we collect, use, and protect your personal information.

4. Intellectual Property Rights

The content on our website, including text, graphics, logos, and images, is our property or the property of our licensors and is protected by copyright and intellectual property laws. You may not use our content without our prior written consent.

5. Use of the Website

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website.

6. Disclaimers

While we aim to provide accurate and current information, we do not warrant the completeness or accuracy of the information presented on our website.

Legal Disclaimer:

The information provided on this website, especially responses to law-related questions or expressed opinions, is for general informational purposes only and should not be considered legal advice. No attorney-client relationship is formed through the use of this website. If you require legal advice, you should consult with a qualified attorney licensed to practice in your jurisdiction.

7. Limitation of Liability

We will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our website.

8. Governing Law

These Terms are governed by the laws of the state in which our business is headquartered, without regard to its conflict of law provisions.

9. Contact Us

If you have any questions about these Terms, please contact us at info@ramonamorgan.com.