In visiting this website, you are bound by the terms of the following disclaimer. This disclaimer may change at anytime without warning. 

This website and all content herein is for informational purposes only, nothing is intended as professional advice or instruction. Lindsey Tolino is not a financial advisor, accountant, HR professional, psychologist, doctor, lawyer or postal worker. Please seek advice from professionals as needed. Her opinions are her own. She is not representing or speaking on behalf of any other entity.

The articles are the opinion of the blogger, not intended to malign any group, organization, person, place or thing. Nothing is intended to harm.

Commenters may speak as they will. Comments are monitored and removed as needed, but in order to maintain an environment of free speech, I cannot be held liable for the content, politeness or overall communication which may be present in the comments field.

Times change and so may information, news, scientific discoveries, links and the weather. As such, previous content may be rendered inaccurate or useless. There are exceptions to every rule. I cannot be held liable if any content herein is inaccurate and relied upon. There are no guarantees in life. These are simply my perceptions and opinions. Anything you read here and act upon is up to you and your discretion. Everything is given for information, educational and possibly entertainment purposes and I cannot be held liable if content herein is relied upon.

I reserve the right to this website and I may steer it as desired. I reserve the right to shut it down, sell it or change the terms of use at my discretion. 

Any messages sent through the contact page go to a gmail address that I monitor. I will not make public any of the message content or personal information, unless I receive explicit written permission from the sender to do so. I respect your privacy, people. 

I will not sell any of your contact or personal information, including your email address. I will not put your information on any spam lists. I will not send spam. I'm trying to add value to the world here - not clutter your life with spam ads. MailChimp is used to manage the email subscription service. I can only be held accountable for myself, I cannot guarantee or be held liable for the privacy practices of MailChimp or blog commenters. 

All content is original, unless otherwise noted, and is protected under Copyright Law. Use of any original content is not allowed, except by explicit written permission. Ask if you want to use something and we may be able to work it out.

If you read all this, you're either a thorough reader or trying to sue me. If it's the former - bravo on your tenacity. If it's the latter - please don't - I'm trying to better the world here, not hurt it.