By using this site you agree that:   

  1. it is not legal advice

  2. it does not create an attorney – client relationship

  3. it is provided “as is”

  4. it will not be relied upon for any purpose

  5. it may not be accurate, complete or current (and that all representations, warranties and guarantees are disclaimed)

  6. it may use cookies (i.e., send a small amount of information from a web server to your browser, which can collect certain information such as your visits and preferences in browsing the site such that your computer will be recognized by the site on subsequent visits, the utility of which may include the improvement of page downloading speed as well as the establishing of statistics which may include most visited pages, time spent on each page, and site performance), in respect of which, more information can be obtained from an unaffiliated site at http://www.cookiecentral.com/c_concept.htm

  7. it is operated by O’HEFFERNAN LLC (and that if you have any questions, you should contact Geoffrey F. Heffernan, its sole owner and attorney, at O’HEFFERNAN LLC, 11 BROADWAY, SUITE 615, NEW YORK, NY 10004)

  8. following links to third party sites not affiliated with this site is at your sole risk

  9. certain commentary, analysis, design and arrangement features and information contained on this site are intellectual property owned by O’HEFFERNAN LLC and all intellectual property on the site not owned by O’HEFFERNAN LLC is the property of its respective owners (and that no intellectual property on this site may be used without the express prior written consent of the applicable owner(s))

  10. you will not reproduce any part of it (including modifying, publishing and creating derivative works)

  11. you are at least 18 years old

  12. these terms are governed by New York law

last updated: 2015 JAN 27