Terms and Conditions of Use

By accessing, browsing, or submitting any material to this website, you agree to be bound by these website Terms and Conditions of Use, as well as all applicable laws and regulations. If you do not agree with any of these terms, you may not use or access this site. The materials contained on this website are protected by applicable copyright law.

Use of Site Content

a. Permission (which may be revoked at any time for any reason) is granted to temporarily download one copy of the materials (information or software) on philipfsmith.com’s website solely for personal, non-commercial transitory viewing only. No other use is permitted. You may not, for example: modify or copy the materials; use the materials for any commercial purpose, or for any public display (commercial or non-commercial); attempt to decompile or reverse engineer any software contained on philipfsmith.com’s website; remove any copyright or other proprietary notations from the materials; transfer the materials to another person or “mirror” the materials on any other server; incorporate the information, content, or material in any database, compilation, archive, or cache; or license, create derivative works from, transfer, or sell any information, content, material, software, products, or services obtained from this site.

b. This permission shall automatically terminate if you violate any of these restrictions and may be terminated by philipfsmith.com at any time. Upon terminating your viewing of these materials or upon the termination of this permission, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

Proprietary Information

You acknowledge and agree that this site contains proprietary information and content protected by intellectual property and other laws and may not be used except as provided in these Terms of Use without advance, written permission from philipfsmith.com.

Disclaimer

THE MATERIALS ON philipfsmith.com’S WEBSITE ARE PROVIDED “AS IS”. philipfsmith.com MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, AND HEREBY DISCLAIMS AND NEGATES ALL OTHER WARRANTIES, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS. FURTHER, philipfsmith.com DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS CONCERNING THE ACCURACY, LIKELY RESULTS, OR RELIABILITY OF THE USE OF THE MATERIALS ON ITS WEBSITE OR OTHERWISE RELATING TO SUCH MATERIALS OR ON ANY SITES LINKED TO THIS SITE.

Limitations

In no event shall philipfsmith.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on philipfsmith.com’s website, even if philipfsmith.com or a philipfsmith.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties or limitations of liability for consequential or incidental damages, these limitations may not apply to you. philipfsmith.com also assumes no responsibility and shall not be liable for any damages to, or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing this site, or of your downloading of any materials from this site. philipfsmith.com assumes no responsibility or liability arising from the content of this site, as well as any offsite pages or additional sites linked to this site.

Revisions and Errata

The materials appearing on philipfsmith.com’s website could include technical, typographical, or photographic errors. philipfsmith.com does not warrant that any of the materials on its website are accurate, complete, or current. philipfsmith.com may make changes to the materials contained on its website at any time without notice. philipfsmith.com does not, however, make any commitment to update the materials. philipfsmith.com assumes no responsibility or liability for any errors or omissions in the content of this site.

Links

philipfsmith.com provides links to third-party sites. The inclusion of any link does not imply endorsement by philipfsmith.com of the third-party site. Use of any such linked website is at the user’s own risk. Your use of such information is voluntary, and your reliance on such information should be made only after independent review. References to commercial products or services within this site or any such third-party website page do not constitute or imply an endorsement by philipfsmith.com.

Collection of Information

When you voluntarily submit information

We will collect information when you voluntarily provide it to us. You might do this through one of the online forms available on this website, through our affiliate websites, or at offline programs and events. These are most commonly encountered when:

We may also collect information you provide us in connection with content that you submit. This might be content you post on our website, our affiliate websites, by e-mail, or through text or video messages.

Information automatically collected from you online

We automatically collect certain technical information from your computer or mobile device when you use our websites or mobile applications. For example, we collect information through the following technologies:

Browser Cookies

A browser cookie is a small file that websites often store on a user’s computer. Storage of cookies on your system allows us to personalize or enhance your experience on our website and to make your next visit more convenient and enjoyable. For example, cookies may allow us to remember the content you previously viewed on our website or your log-in information. Cookies may also be used to remember items you have previously placed in your shopping cart when making purchases. We and our third-party ad network partners also use cookies to serve interest-based advertisements to you across different websites affiliated with the ad networks.

We may link information contained in a cookie to personal information collected from you by other means (e.g., website registration).

From third parties or other sources

We may collect or obtain information from social media platforms. We may also collect information through the use of third-party web analytics services (such as Google Analytics), such as the number of visits to a particular page or the amount of time spent on a website.

Combining Information

We may combine information we get from one source with other information we may have about you. This might include combining information you submit online with information you submit offline or information that you submit by e-mail with information that you submit through our websites. Or we may combine information we received from a third party with information you submit to us.

Information Usage

How do we use the information we collect?

For the purpose collected

Information collected is used for the purpose for which the information was collected, as otherwise identified to you or as described in this Privacy Policy. For example, if you register or open an account on this website or one of our affiliates, the information you provide may be used to maintain your account, provide you access to certain features of our website, or offer you the benefits and privileges that typically come along with registration. This may include purchasing products and/or services. It may also include access to and use of exclusive or personalized content or activities (such as message boards) and participation in special events and promotions.

To respond to inquiries

Similarly, we may use your information to respond to your requests or inquiries. For example, if you contact us via an online contact form, your information may be used to respond to your inquiry or comment.

To send communications and for marketing purposes

We may use your information to provide you with marketing or other information about our products and services through any communications medium, including but not limited to (i) through e-mail, (ii) on our website or one of our affiliate websites, (iii) by text message, or by phone.

From time to time, we may be approached by reputable third-party companies and organizations that provide products or services that we believe may be of interest to you. To help you find these useful products or services, we may use your personal information to send out notices on their behalf.

We may also use your personal and/or demographic information for our internal marketing and demographic studies, so we can constantly improve, personalize, and customize the products and services we provide you and to better meet your needs. This may include occasionally combining, updating, or otherwise enhancing the personal information collected through this website with data we receive from outside records or third parties. We may also use your information to improve our websites and applications.

We may also use your information as permitted by law or in the manner communicated to you.

Site Terms of Use Modifications

philipfsmith.com may revise these terms of use for its website at any time without notice. By using this website, you are agreeing to be bound by the then-current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to philipfsmith.com’s website shall be governed by the laws of the State of New York without regard to its conflict of law provisions. Any cause of action you may have under these Terms of Use must be filed in Federal or State Court located in the State of New York. If any portion of these Terms of Use is found to be void, invalid, or otherwise unenforceable, then the remainder of these Terms of Use shall continue to be enforceable and valid according to the terms contained herein. philipfsmith.com is owned by a New York company, and references to philipfsmith.com include said company. General Terms and Conditions applicable to the Use of the Website.

Please note that this is a generalized example and may need further adjustments based on the specific requirements of your website, legal considerations, and applicable laws in your jurisdiction. It’s recommended to consult with legal professionals to ensure that your privacy policy meets all legal and regulatory requirements.