By using this site, you agree that your use is solely at your own risk.  Ludwig and Associates, and its owners, partners, employees, agents or representatives are not liable for direct, indirect, consequential, incidental, special, punitive or other damages or costs, including without limitation, lost profits or data, loss of goodwill, loss of or damage to property, or claims of third parties, arising out of or in connection with the use, copying, or display of this site or its contents, regardless of whether Ludwig and Associates has been advised of the possibility thereof.

This site and its contents is provided "as is" and Ludwig and Associates makes no representation or warranty of any kind with respect to this site or its contents. Ludwig and Associates expressly disclaims all representations and warranties, whether express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement. In addition, Ludwig and Associates does not represent or warrant that this site will be available at all times or that the content of this site is timely, accurate or complete.

All content contained herein is subject to change without notice. Ludwig and Associates reserves the right to change or modify the terms and conditions applicable to your use of this site at any time. Such changes, modifications, additions, or deletions to the site shall be effective immediately upon notice thereof, which may be given by any means including, but not limited to, posting a notice on this site. Any use of this site after such notice shall be deemed to constitute your acceptance of such changes, modifications, additions, or deletions.

Ludwig and Associates does not collect personally identifying information from visitors to this site unless this information is directly provided by the visitor or through the visitor's browser. Information relating to use will not be provided or sold to third parties.