The use of the spreadsheets, templates, products, services and information provided in this website is your own responsibility.

The products and information contained in this website are meant to be used for informational purposes only and are not intended to be a substitute for legal or financial advice that can be provided by your own attorney, accountant, and/or financial advisor.

Although great care has been taken in preparing the products and information found in this website, I cannot be held responsible for any errors or omissions, and I accept no liability whatsoever for any loss or damage you may incur.