Please read the following terms of use carefully before using this website (the “Site”). The content of this Site is owned by The Spencer Thomas Group, LLC (hereinafter “STG”). By accessing this Site, you agree to comply with and be bound by the following terms of use (the “Terms of Use”). These Terms of Use also incorporate by reference STG’s Privacy Policy. If you do not agree with these terms, please do not use this Site.

Use of Site & Limitation of Liability

The content of the pages of this Site is for your general information only. It is subject to change without notice. Your use of any information or materials on this Site is entirely at your own risk. STG shall not be liable for any indirect, incidental, special, or consequential damages from your use of this Site. We do not guarantee the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this Site. This Site contains material which is owned by or licensed to STG. This material includes, but is not limited to, the design, layout, look, appearance, and graphics. Unauthorized use of this Site may give rise to a claim for damages and/or be a criminal offense.

Third-Party Links

This Site may include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Changes to Terms

We reserve the right to modify these Terms of Use at any time and without notice. It is your responsibility to check this page periodically for changes.

Governing Law

Your use of this Site and any dispute arising out of such use is subject to the laws of the United States of America.

Contacting Us

If you have any questions regarding these terms, please email us at: [email protected].