Copyright Notice

Copyright © 2014 SJMS Associates. All rights reserved.

The copyright in this website and the content material/information on this website is owned by SJMS Associates. This includes without limitation the text, code, artwork, photographs, images, music, and audio/video material on this website.

Terms of Use

SJMS Associates hereby authorizes visitors to view, copy, print and distribute the materials on this website subject to:

  1. The website content are used for informational purposes only.
  2. The information and materials are used for non-commercial purposes.
  3. Any copy of the materials or portion thereof must include this copyright notice in its entirety. The materials on the website are subject to change without notice.

Additionally, the use of this website and the information in it are subject to the following terms of use. The materials and information on this website are provided as general information. It is not intended to constituted as any professional advice or services. We do not provide any warranty or guarantee as to the accuracy, timeliness, completeness or suitability of the information and materials found on this website for any particular purpose. Please consult a qualified professional advisor before making any decisions that may affect your business or finances.

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