Privacy Policy and Legal Disclaimer

The information and content provided on Concepts To Operations, Inc. (CTO)’s website and the user’s access of CTO’s website does not create a client-consultant or any other professional relationship between the user and CTO. By making this website available, CTO is not engaged in rendering any professional advice or services to the user or any other party. The information and content provided on this website is not intended to be relied upon for making business, investment or other decisions. ALL INFORMATION AND CONTENT ON OR OBTAINED THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND. THE USER HEREBY WAIVES ALL OTHER WARRANTIES RELATING THERETO, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR WARRANTY AGAINST INTERFERENCE OR INFRINGEMENT. CTO DOES NOT WARRANT THAT THE USE OF CTO’s WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT ANY ERROR OR DEFECTS WILL BE OR CAN BE CORRECTED. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, IN WHICH CASE SOME OF THE ABOVE EXCLUSIONS MAY BE APPLY TO ALL USERS. CTO SHALL NOT IN ANY EVENT BE LIABLE TO ANY USER OR TO ANY THIRD PARTY FOR ANY DIRECT DAMAGES, LOST PROFITS, REVENUES, BUSINESS OPPORTUNITIES OR BUSINESS ADVANTAGES WHATSOEVER, NOR FOR ANY SPECIAL, CONSEQUENTIAL, INDIRECT OR INCIDENTAL LOSSES, DAMAGES OR EXPENSES DIRECTLY OR INDIRECTLY RELATING TO THE USE OR MISUSE OF THE CTO WEBSITE, OR THE INFORMATION OR CONTENT, WHETHER SUCH CLAIM IS BASED UPON BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, GROSS NEGLIGENCE, STRICT LIABILITY INTORT OR ANY OTHER THEORY OF RELIEF, OR WHETHER OR NOT CTO IS INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES. If any part of this disclaimer is held to be invalid, the remaining parts will continue to be valid and enforceable. If the user has any questions or comments regarding CTO’s website or would like to obtain permission to use any of the information or content in CTO’s website, please e-mail us via our contact form.