TERMS AND CONDITIONS
(Effective January 1, 2014)

In consideration for your continued, or future, business dealings with me and my immediate family, you and I agree that the following Terms
and Conditions (“Terms”) will apply to any such dealings–
If you transact any business with me, provide me with any products or services of any kind, or accept any payment from me or from anyone
on my behalf, then you are providing your consent that that you agree to these Terms.
To the extent that you have any provisions, terms or conditions that are in conflict with these Terms, you agree that these Terms will
control.
We both agree that, unless we have both signed a written agreement to the contrary, that these Terms shall supersede any other form
documents or terms and conditions and shall govern any and all dealings between us.
We agree that either of us can bring a lawsuit in a court of proper jurisdiction in my county, state or judicial district, to resolve any dispute that
may arise between us and that no such dispute will be subject to arbitration.
These Terms shall be governed by the laws of my home state and we agree that any legal action involving our dealings can be filed and resolved in any
court of competent jurisdiction in my home state.
We both understand that my business practices may change from time to time and that I may modify these Terms at any time by providing
you with notice of any changes. If you continue to transact any business with me, provide me with any products or services of any kind, or
accept any payment from me or form anyone on my behalf after any such change, then you are providing your consent that you agree to any
change. Unless you contact me in writing within 30 days of any change in these Terms, you will be deemed to have consented to the
change.
Other than changes to these Terms, we both agree that neither of us will modify or change any other terms of any agreements between us
unless such changes are in writing and signed by both of us.
We each agree to give the other a valid mailing address to be used for all correspondence.
We both agree that, upon reasonable request, we will make available any relevant documents regarding any dealings between us and will copy
and mail such documents to the other party, without charge.
We agree that neither of us waives any legal rights, including the right to a trial by jury, unless we have both signed a written agreement
providing such a waiver.
If either of us is required to file legal action to enforce these Terms, we will be entitled to judgment for our reasonable attorney’s fees and
costs. We both agree that, unless we have agreed otherwise in a writing signed by both parties, that either of us may opt to stop doing
business with the other. In such an event, neither of us shall be entitled to any penalty or any claim for liquidated damages from the other
party.
We both agree that we should contact the other party in writing if we are unclear about the meaning of any of these Terms.
By continuing to do business with one another, we both acknowledge and agree that we have reviewed and agreed to these Terms.