Terms and Conditions of Use

In these Terms and Conditions of Use, the following terms have these meanings::

"Disclaimer"	means the disclaimer of liability contained in these terms;
"Documents"	means any legal document downloaded from a Website (as detailed in these terms);
"Guide"	the Website law guide;
"WSW"	William S. Wolfson, Esq., LLC
"MLI"	MyLawyer.com, Inc.
"Personal Data"	means personal data that identifies you;
"Service"	means the services provided by this web site.;
"Terms"	means these terms [and conditions];
"You"	means the individual person who uses this web site and if so indicated below, the immediate family members of such person (spouse and children that reside in the same house or apartment).
"Website"	means any website operated by WSW

AGREEMENT

This is a binding legal agreement between yourself and WSW. Your use of this Website and/or your acceptance without modification of the terms, conditions, and disclaimers contained in these Terms constitutes your agreement to all such terms, conditions, and disclaimers. If you do not agree with these terms then you are not authorized to use this Website.

OUR AIMS

The Service is intended to provide your with legal information about bankruptcy law and is not a substitute for the legal advice of an attorney who is a member of the New Jersey bar. While every effort has been made to make this site's information accurate, we can not promise or guarantee its accuracy at any given time. Like any publication, we update this site on a regular basis when we learn of new information, changes in law, new rulings, and other relevant information that requires a change or amendment to this web site. If you live in anoher state you should speak to a lawyer in your state who is familiar with bankruptcy law.

THE LAW GUIDE

While every precaution has been taken in compiling the Service, neither WSW, nor any contributors to the Guide can be held responsible for any action (or the lack thereof) taken by any person or organization, wherever they shall be based, as a result, direct or otherwise, of information contained in or accessed through the Guide. The Guide is not a substitute for speaking with your own attorney.

Title and Ownership; No Commercial use limitation; terms of license

No transfer of title. The Website and Documents, and are owned exclusively by WSW, and are licensed to you as provided for in this Terms and Conditions of Use; WSW does not transfer to you title to any tangible copy, or original, of the Documents or any part of the Website.

Limitation of liability in respect of the Calculator

WSW has included within this agreement a disclaimer in respect of its liability in respect of the calculator. Please read it carefully as the following are the terms upon which WSW provides the Chapter 13 bankruptcy calculator to you.

THE CALCULATOR ON THE SERVICE HAS BEEN PREPARED BY WSW. WHILE WSW HAS USED REASONABLE CARE IN CREATING THE CALCULATOR, WSW DOES NOT TAKE RESPONSIBILITY FOR, AND YOU AGREE THAT WSW IS NOT LIABLE FOR ITS RESULTS. The decision to file bankruptcy is an important one that should be made only after meeting with an attorney familiar with bankruptcy law.

Because your privacy is important to us we ask when we need Personal Data; and, we use your Personal Data only to operate this web site and to inform you of new features and services provided by ourselves or selected third parties. If you wish to discontinue receiving such offers, you may opt out by 'un-ticking' the boxes on the registration page or by contacting us direct. Click here to review our detailed Privacy Policy.

All contents of this Website are copyright: � The Granat Group, L.L.C., and William S. Wolfson, Attorney at Law, L.L.C.

No part of the site may be reproduced in any form whether electronically or otherwise without the prior consent of WSW or The Granat Group, L.L.C, the designed for this web site, other than temporarily in the course of using the Service or to keep a record of a transaction entered into using the Service.

Any rights not expressly granted herein are reserved.

Legal identity

This service is operated by The Granat Group, L.L.C., on behalf of the law firm of William S. Wolfson, Esq., LLC . If you obtain services from a third party through this web site then your contractual relationship is with that third party and not with WSW or The Granat Group, L.L.C.

Prohibited use

As a condition of your use of this Website, you warrant to us that you will not use this Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

Hyperlinks

This Website contains hyperlinks to websites operated by third parties. Such hyperlinks are provided for your convenience and reference only. We do not control such websites and we can not be responsible for their contents. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites.

General warranty and liability disclaimer; limitation of liability

(a) Warranty. WSW MAKES NO IMPLIED WARRANTIES OF ANY KIND, AND HEREBY DISCLAIMS ALL SUCH WARRANTIES, INCLUDING ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR WARRANTY OF NON-INFRINGEMENT.

(b) Liability. In no event will WSW, be liable for any indirect, incidental, special or consequential damages arising out of or in any way connected with the use of this Website or the telephone support service whether based in contract, tort, strict liability or otherwise. The liability of WSW for direct loss arising out of the use of the Documents, this Website, and the telephone support service whether based in contract, tort, strict liability or otherwise is limited to the total amount paid, if any, by you to WSW.

Modifications

We reserve the right to change any terms, conditions, and disclaimers under which this Website or any service offered through it are offered. This right will not affect the existing terms and conditions accepted by you upon making a legitimate purchase using this Website.

Statutory rights

These Terms will not affect your statutory rights as a consumer.

Non transferability

Your right to use the Website is not transferable without the specific written consent of WSW.

Access codes and passwords; no hacking

When you sign up as a client of William S. Wolfson, Esq., LLC.,. you may be provided a password or other access code to download Documents or otherwise make use of portions of the site that are not generally available to the public. You agree that these passwords and access rights are owned by WSW and that you will not disclose these passwords or access codes to anyone or by any means, and that you will maintain such access codes and passwords securely so that no other person may gain access to such codes. You agree not to hack into this site, or to obtain access to the site for any improper purpose. Hacking means to use one's skill in computer programming to gain illegal or unauthorized access to a file or network.

Representation of true intent

You represent that you are using the Website under your own name, and not under a pseudonym, fictitious name or under an alias or similar false name, and that all information you have provided about yourself to WSW is true, accurate and not falsified. You represent further, that upon becoming a client of this firm, you will provide a valid social security card and proof of your identity on a government issued photographic identity card.

Disclosure of information; Security

Unless provided otherwise in WSW's privacy policy, WSW will not provide any personally identifying information to any third party without your consent (which consent may be obtained electronically via e-mail or form fill in on the Website); provided however that you are advised that in the event WSW determines in its reasonable discretion that disclosure of personal identifying information is necessary to comply with any law, rule order, subpoena, civil investigative request or demand, discovery request or any other legal requirement, WSW may disclose your personally identifying information to comply with such request, and it may be disclosed without prior notice to you. WSW agrees to take reasonable efforts to protect your personally identifying information in the event of such disclosure, provided however, that you agree that WSW shall not be liable to you for any claim by you that WSW failed to exercise reasonable care in protecting your personally identifying information. You also acknowledge that, despite efforts of WSW to maintain your information secure, the internet is inhabited by many criminal and otherwise malicious persons who may attempt to crack into or otherwise alter, change, take, misappropriate or damage into WSW's computer systems, and that despite WSW's efforts, such person's may be able to obtain copies of your personally identifying information. You agree that WSW is not responsible to you for any inadvertent disclosure or unauthorized access by any third party of your personally identifying information.

General

These Terms are governed by the laws of the State of New Jersey. You hereby consent to the non-exclusive jurisdiction of the courts of the State of New Jersey in all disputes arising out of or relating to the use of this Website. Use of this Website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including without limitation this clause.

If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms will continue in effect.

These Terms constitute the entire agreement between us with respect to this Website and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written. A printed version of these terms and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

By your use of this web site, you consent to the admission of these terms and conditions into evidence at any hearing , judicial or otherwise. Your use of this site does not create an attorney client relationship until you sign an attorney-client engagement agreement and return it to our office.