All content included on this site, including but not limited to, text, graphics and images, is, unless otherwise noted, copyrighted under United States law and protected by worldwide copyright laws and treaty provisions. The compilation (meaning the collection, arrangement and assembly) of all content on this site is the exclusive property of Mrozek & Associates. ("Mrozek & Associates" and "Mrozek & Associates") and protected by United States and international copyright laws. No use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content on this site is permitted without Mrozek & Associates' written permission.

Mrozek & Associates is a trademark of Mrozek & Associates in the United States and other countries. Mrozek & Associates' trademarks may not be used in connection with any product or service that is not Mrozek & Associates', in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Mrozek & Associates.

Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any copyright, trademark or other proprietary rights of Mrozek & Associates or any third party.

No client, advisory, fiduciary or professional relationship is implicated or established and neither Mrozek & Associates nor any other person is, in connection with this site, engaged in rendering consulting or other professional services or advice. You should consult with Mrozek & Associates or other professional advisors who are familiar with your specific facts and circumstances for advice before making any decision.

This site is provided by Mrozek & Associates on an "as is" basis. Mrozek & Associates makes no representations or warranties of any kind, express or implied, as to the operation of the site or the information, content or materials included on this site. To the fullest extent permitted by applicable law, Mrozek & Associates disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. Mrozek & Associates will not be liable for any damages of any kind arising from the use of this site, including but not limited to, direct, indirect, incidental, consequential, special, punitive or other damages whatsoever (including liability for loss of use, data or profits).

Mrozek & Associates may provide links to other sites that are not maintained by Mrozek & Associates. Mrozek & Associates neither monitors nor endorses those sites nor does it make any representations or warranties with respect thereto.

These terms and conditions are governed and interpreted by the laws of the State of Illinois, notwithstanding any principles of conflicts of law. If any part of these terms and conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of remaining provisions.