Using this site constitutes agreement with our Terms of Service and Privacy Policy. If you refuse, discontinue immediately. The materials are for informational use only and are not professional consultation. Misuse or violation of rules is not allowed. Certain features may involve additional agreements. Intellectual property remains with its original owners and is safeguarded by law. The service is provided without warranties regarding reliability, accuracy, or uptime. Linked sites are not under our control. Our policies may change over time.