Welcome to PHF&M Web site and thank you for reviewing PHF&Ms privacy statement.
During a visit to the PHF&M Web site, the following information will be collected and stored automatically about the visit:
The Web is an evolving medium. PHF&M has the right to periodically change the terms of this Agreement without notice. By continuing to use this Web site after PHF&M has posted such changes, you agree to be bound by this Agreement, as modified. PHF&M has the right to change, restrict access to, suspend, or discontinue this Web site, or any portion of this Web site, at any time.
The contents of all material available on this Web site are copyrighted by PHF&M unless otherwise indicated. Copyright is not claimed for any part of an original work prepared by a United States or state government office.
All rights are reserved and content may not be reproduced, downloaded, disseminated, or transferred in any form or by any means, except with the prior written permission of PHF&M or as indicated below.
Users may download pages or other content for their own personal use on a single computer, but no part of such content may be otherwise or subsequently reproduced, downloaded, disseminated, or transferred, in any form or by any means, except with the prior written agreement of, and with express attribution to PHF&M.
While PHF&M makes every effort to present accurate and reliable information on this site, PHF&M does not endorse, approve, or certify such information, nor does it guarantee its accuracy, completeness, efficacy or timeliness. Reference herein to any commercial product, process, or service does not constitute or imply endorsement or recommendation by PHF&M unless expressly stated.
At certain places in this site, links to other Web sites can be accessed. These sites contain information created, published, and maintained by organizations independent of PHF&M. PHF&M does not endorse, approve, certify, or control these external sites, nor any commercial product or service referenced therein, and does not guarantee the accuracy, completeness, efficacy, or timeliness of information located therein.
PHF&M assumes no responsibility for consequences resulting from use of the information contained herein or obtained at linked sites and expressly disclaims all liability for damages arising out of use, reference to, reliance on, or performance of such information.
THIS WEB SITE AND ANY INFORMATION, PRODUCTS OR SERVICES THEREIN ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR USE FOR A PARTICULAR PURPOSE, AND/OR NONINFRINGEMENT.
PHF&M does not warrant, and hereby disclaims any warranties, either express or implied, with respect to the accuracy, adequacy or completeness of any information on this Web site or information obtained from any link on this Web site. PHF&M does not warrant that this Web site will operate in an uninterrupted or error-free manner or that this Web site is free of viruses or other harmful components. Use of the PHF&M Web site and the information obtained from or through this Web site is at your own risk.
YOU AGREE THAT PHF&M WILL NOT BE LIABLE TO YOU FOR ANY LOSS OR DAMAGES, EITHER ACTUAL OR CONSEQUENTIAL, ARISING OUT OF OR RELATING USE OF THIS WEB SITE OR TO YOUR (OR ANY THIRD PARTY'S) USE OR INABILITY TO USE THIS WEB SITE, OR TO YOUR PLACEMENT OF CONTENT ON THIS WEB SITE, OR TO YOUR RELIANCE UPON INFORMATION OBTAINED FROM OR THROUGH THIS WEB SITE. IN PARTICULAR, PHF&M WILL HAVE NO LIABILITY FOR ANY CONSEQUENTIAL, INDIRECT, PUNITIVE, SPECIAL OR INCIDENTAL DAMAGES, WHETHER FORESEEABLE OR UNFORESEEABLE (INCLUDING, BUT NOT LIMITED TO, CLAIMS FOR DEFAMATION, ERRORS, LOSS OF DATA, OR INTERRUPTION IN AVAILABILITY OF DATA), ARISING OUT OF OR RELATING TO THIS AGREEMENT, YOUR USE OR INABILITY TO USE THIS WEB SITE, ANY OF THE CONTENT ON THIS WEB SITE, ANY PURCHASES ON THIS WEB SITE, YOUR PLACEMENT OF CONTENT ON THIS WEB SITE, AND/OR TO YOUR RELIANCE UPON INFORMATION OBTAINED FROM OR THROUGH THIS WEB SITE, WHETHER BASED IN CONTRACT, TORT, STATUTORY OR OTHER LAW.
PHF&M makes no representation regarding your ability to transmit and receive information from or through this Web site. You acknowledge and agree that your ability to access the Web site is not guaranteed and may be impaired. PHF&M disclaims any and all liability resulting from or related to such events.