TERMS OF USE
Welcome to MonikaOstroff.com Web site. This site is owned and operated by Monika Ostroff LLC.
These Terms of Use, along with policies and guidelines located throughout the MonikaOstroff.com Web site identify what users of the website can expect from MonikaOstroff.com, and what we expect from users. By accessing any areas of the MonikaOstroff.com Web site, users are deemed to have accepted these Terms of Use and other policies and guidelines identified throughout the MonikaOstroff.com Web site.

Content
Proprietary Rights

User acknowledges that the MonikaOstroff.com Web site contains Content that are protected by copyrights, trademarks, trade secrets, or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or hereinafter developed. All Content is copyrighted as a collective work under the U.S. copyright laws, and MonikaOstroff.com owns a copyright in the selection, coordination, arrangement, and enhancement of such Content. User may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Content, in whole or in part. If no specific restrictions are displayed, Users may make copies of select portions of the Content, provided that the copies are made only for User’s personal use and that User maintains any notices contained in the Content, such as all copyright notices, trademark legends, or other proprietary rights notices. Except as provided in the preceding sentence or as permitted by the fair use privilege under the U.S. copyright laws (see, e.g., 17 U.S.C. Section 107), User may not upload, post, reproduce, or distribute in any way Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other propriety right. In addition to the foregoing, use of any software Content shall be governed by the software license agreement accompanying such software.

Third-Party Content
In some instances, the Content available through the MonikaOstroff.com Web site represents the opinions and judgments of the respective third party providing such Content. MonikaOstroff.com neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, or statement made on the MonikaOstroff.com Web site by anyone other than MonikaOstroff.com. Under no circumstances shall MonikaOstroff.com or its affiliates, or any of their officers, directors, employees, or agents be liable for any loss, damage or harm caused by a User’s reliance on information obtained through the MonikaOstroff.com Web site. It is the responsibility of User to evaluate the information, opinion, advice, or other Content available through the MonikaOstroff.com Web site.

Termination of Usage
MonikaOstroff.com may suspend or terminate any User’s access to all or any part of the MonikaOstroff.com Web site including any account thereon, without notice, for any reason at MonikaOstroff.com’s sole discretion.

Disclaimers and Limitations of Liability

THE MONIKAOSTROFF.COM Web site IS PROVIDED BY MONIKA H. OSTROFF ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, MONIKA H. OSTROFF DISCLAIMS ALL IMPLIED WARRANTIES.

WITHOUT LIMITING THE FOREGOING, MONIKA H. OSTROFF MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED: (I) AS TO THE OPERATION OF THE MONIKAOSTROFF.COM Web site, OR THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS INCLUDED THEREON; (II) THAT THE MONIKAOSTROFF.COM Web site WILL BE UNINTERRUPTED OR ERROR-FREE; (III) AS TO THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION, CONTENT, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE MONIKAOSTROFF.COM Web site; OR (IV) THAT THE MONIKAOSTROFF.COM Web site, ITS SERVERS, OR E-MAIL SENT FROM OR ON BEHALF OF MONIKAOSTROFF.COM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

MONIKA OSTROFF DOES NOT GUARANTEE THE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE MONIKAOSTROFF.COM Web site OR ANY RELATED SERVICES. THE OPERATION OF THE MONIKAOSTROFF.COM Web site MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE THE CONTROL OF MONIKA OSTROFF.

UNDER NO CIRCUMSTANCES SHALL MONIKA OSTROFF BE LIABLE FOR ANY DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THE MONIKAOSTROFF.COM Web site, INCLUDING BUT NOT LIMITED TO RELIANCE BY A USER ON ANY INFORMATION OBTAINED FROM THE MONIKAOSTROFF.COM Web site OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO MONIKAOSTROFF.COM RECORDS, PROGRAMS, OR SERVICES. USER HEREBY ACKNOWLEDGES THAT THIS PARAGRAPH SHALL APPLY TO ALL CONTENT, MERCHANDISE, AND SERVICES AVAILABLE THROUGH THE MONIKAOSTROFF.COM Web site.

THIS WEB SITE CONTAINS THE OPINIONS AND IDEAS OF MONIKA OSTROFF LLC. IT IS INTENDED TO PROVIDE HELPFUL AND INFORMATIVE MATERIAL. IT IS PROVIDED WITH THE UNDERSTANDING THAT THE AUTHOR IS NOT ENGAGED IN RENDERING MEDICAL, HEALTH, PSYCHOLOGICAL OR ANY OTHER KIND OF PROFESSIONAL SERVICES ON THIS SITE. THE USER SHOULD CONSULT HIS OR HER MEDICAL, MENTAL HEALTH OR OTHER COMPETENT PROFESSIONAL BEFORE ADOPTING ANY OF THE SUGGESTIONS ON THIS SITE OR DRAWING INFERENCES FROM IT. MONIKA OSTROFF LLC SPECIFICALLY DISCLAIMS ALL RESPONSIBILITY FOR ANY LIABILITY, LOSS, OR RISK, PERSONAL OR OTHERWISE, WHICH IS INCURRED AS A CONSEQUENCE, DIRECTLY OR INDIRECTLY, OF THE USE AND APPLICATION OF ANY OF THE CONTENTS OF THIS WEBSITE.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO A USER, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO SUCH USER, AND SUCH USER MAY HAVE ADDITIONAL RIGHTS.

Acknowledgement
The Terms of Use, including all documents referenced herein, represents the entire understanding between User and MonikaOstroff.com regarding User’s relationship with MonikaOstroff.com and supersedes any prior statements or representations. When using the MonikaOstroff.com Web site or making a purchase there from, USER AGREES TO BE BOUND BY THESE TERMS OF USE.

Modification
Monika Ostroff reserves the right to make changes to the MonikaOstroff.com Web site, posted policies and these Terms of Use at any time without notice. These Terms of Use were last revised on August 15, 2017.