These Terms of Use govern your use of the (“we,” “us,” or “our”) website, (the “Site”).  By using the Site, you agree, without limitation or qualification, to be bound by these Terms of Use and our Privacy Policy.  If you disagree, please do not use this Site.

We may revise these Terms of Use at any time.  Your continued usage of this Site will mean you accept those changes and agree to comply with all applicable laws and regulations.  The materials provided on this Site are protected by law, including, but not limited to, United States copyright laws and international treaties.

The terms “you,” “your,” “user,” and “users,” as used herein, refer to all individuals and/or entities accessing this Site for any reason.



You must be 18 years or older to visit or use the Site in any manner. By visiting the Site or accepting these Terms of Use, you represent and warrant that you are 18 or older and have the right, authority, and capacity to agree to and abide by these Terms of Use. You also represent and warrant that you will use the Site in a manner consistent with any applicable laws and regulations.



Our Site is supported by readers purchasing products we feature. Product links on the Site are referral links. We earn a commission from the sale if you use one of those links and buy something.  See additional disclosures here.

We do not represent or endorse the accuracy or reliability of any information, content, or advertisements contained on, distributed through, or linked, downloaded or accessed from any of the services contained on this website, nor the quality of any products, information, or any other material displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the services herein.


The content on this Site, such as text, graphics, images, photographs, illustrations, trademarks, trade names, service marks, logos, information obtained from our licensors, and other materials (“Contents”), is protected by copyright under both United States and foreign laws.  The title of the Contents remains with  Any use of the Contents not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.  Except as stated herein, none of the Contents may be copied, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form or by any means without the prior written permission of or its licensors. authorizes you to view and download and print a single copy of the Contents solely for your own lawful, personal, non-commercial use if you include the following copyright notice:  “Copyright © 2023,  All rights reserved” and retain other copyright and proprietary rights notices which were contained in the Contents.  Any special rules for using other items provided on the Site may be included elsewhere and incorporated into these Terms of Use by reference.  Using the Contents on any other site or in a networked computer environment is prohibited.  All rights not expressly granted herein are reserved to and its licensors.  Suppose you violate any of these Terms of Use. In that case, your permission to use the Contents automatically terminates, and you must immediately destroy any copies you have made of any portion of the Contents.

So long as you comply with these Terms of Use, we grant a non-exclusive, limited, non-transferable license to use the Site. You may not distribute or make the Site available over a network where multiple devices could use it simultaneously.  You may not rent, lease, lend, sell, redistribute, or sublicense the Site. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Site, any updates, or any part thereof. Any attempt to do so is a violation of these Terms of Use.  You may be subject to prosecution and damages if you breach this restriction. These Terms of Use will govern any upgrades we provide that replace and/or supplement the original Site unless separate or updated Terms of Use accompany such upgrades. Suppose you violate any of these Terms of Use. In that case, your permission to use the Contents automatically terminates, and you must immediately destroy any copies you have made of any portion of the Contents.

You may not, without our written permission, “mirror” any Contents contained on this Site or any other server.  You may not use the Site for any unlawful or prohibited purpose by these Terms of Use.  You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment.  You may not attempt to gain unauthorized access to the Site through hacking, password mining, or any other means. reserves the right, in its sole discretion, to terminate your access to the Site, or any portion thereof, at any time, for any reason or no reason, without prior notice or any notice.


Our Privacy Policy governs the personal information you submit to  To the extent there is an inconsistency between the Terms of Use and the Privacy Policy, the Privacy Policy shall govern.

Except as provided under Submission of Ideas (below), does not claim ownership of any information or material a user provides to or posts, uploads, inputs, submits, or transmits to this Site (“Submission”).  You agree that you will not make any Submission that is, in whole or in part, libelous; scandalous; inflammatory; discriminatory; defamatory; false; threatening; vulgar; obscene; pornographic; profane; abusive; harassing; invasive of another’s privacy; hateful or bashing; aimed at gender, race, color, sexual orientation, national origin, religious views, or disability; in violation of local, state, national, or international law; or that infringes on, or violates, any right of any party.  Additionally, you agree that you will not: (a) make any Submission that is an advertisement or solicitation of business; (b) disrupt the normal flow of dialogue or make a Submission unrelated to the topic being discussed (unless it is clear the discussion is free-form); (c) post a chain letter or pyramid scheme; impersonate another person; (d) distribute viruses or other harmful computer code; (e) harvest or otherwise collects information about others, including email addresses, without their consent; (f) post the same note more than once or “spamming”; or (g) engage in any other conduct that restricts or inhibits any other person from using or enjoying the Site, or which, in the judgment of, exposes or any of its licensors, partners, or customers to any liability or detriment of any type.

By making a Submission, you agree that such Submission is non-confidential, non-proprietary, and may be disseminated or used by  If you make a Submission, you automatically grant—or warrant that the owner of such content has expressly granted— a royalty-free, perpetual, irrevocable, worldwide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the Submission in any media or medium, or any form, format, or forum now known or hereafter developed.  Notwithstanding the foregoing, is not required to use any Submission.

You are solely responsible for your Submission, the consequences of making a Submission, and your reliance on any Submissions.  We are not responsible for the consequences of any Submission.  We are not responsible for screening or monitoring Submissions made to this Site by users.  If notified by a user of a Submission allegedly violating these Terms of Use, we may investigate the allegation and determine in good faith and its sole discretion whether to remove such Submission. will have no liability or responsibility to users for the performance or nonperformance of such activities.

We reserve the right (but are not obligated) to (a) record the dialogue on the Site; (b) investigate an allegation that a Submission does not comply with these Terms of Use, and determine in its sole discretion to remove or request the removal of the Submission; (c) remove Submissions which are abusive, illegal, disruptive, or outdated, or that otherwise fail to comply with these Terms of Use; (d) terminate a user’s access to any or all parts of the Site upon any breach of these Terms of Use or the law; (e) monitor, edit, or disclose any Submission; (f) edit or delete any Submission posted on the Site, regardless of whether such Submission violates these Terms of Use.


Our policy is to not accept or review unsolicited ideas or suggestions from outside the company.  Notwithstanding such policy, any ideas, suggestions, know-how, or concepts that are offered or communicated to through this Site or otherwise (solicited or unsolicited) shall be the property of and may be treated by us as non-confidential information. shall have the unrestricted right to use and disclose such ideas, suggestions, know-how, or concepts for any purpose without compensation or obligation to any party.


Any offers or promotions advertised on this Site are void where prohibited and are subject to the posting of any official rules regarding such offers or promotions.

Our address for copyright issues relating to this website is as follows:

To protect the rights of copyright owners, we maintain a policy for the termination, in appropriate circumstances, of users of this Site who are repeat infringers.


Except as expressly provided in a particular notice or disclaimer posted by or on behalf of on this Site, these Terms of Use, including the Privacy Policy, constitute the entire agreement between you and concerning the use of the Site and Contents.