Web site launched 2010 Aug 14.  Updated 2014 Sep 14 (Pacific Time Zone).

By using this web site, you are agreeing to comply with and be bound by the following terms and conditions of use, which govern Depner Financial Services' relationship with you in relation to this web site.  If you disagree with any part of these terms and conditions, please do not use this web site.  The term "Depner Financial Services" or "us" or "we" or "our" refers to Steven J. Depner, the owner of this web site.  The term "you" or "your" refers to the user or viewer of this web site.

The use of this web site is subject to the following terms:

• Your use shall be in accordance with the copyright notice, trademarks notice, disclaimer, and privacy policy.
• Your use, if unauthorized, may give rise to a claim for damages and/or be a criminal offense.
• Your use, and any dispute arising out of such use, is subject to the laws of the United States of America.

With the exceptions noted below, this web site and its contents are copyright of Depner Financial Services -- © 2010 - 2011 Depner Financial Services.  All rights reserved.

Some of the images appearing on this site are copyright of Joe S. Depner.  © 2005 - 2006 Joe S. Depner.  All rights reserved.  Used here with permission.  For more information about these and other images, visit Joe Depner Photography: www.depnerphoto.com.

The copyrighted contents, both graphical and nongraphical, are the exclusive property of their respective copyright holders.  Rights pertaining to these contents are protected under U.S. and international copyright law.  Any redistribution or reproduction of part or all of the contents in any form is prohibited except for the following:

• You may print or download to a local hard disk contents for your personal, non-commercial use only.
• You may copy the content to individual third parties for their personal, non-commercial use, but only if you clearly acknowledge the web site as the source of the material.

You may not, except with the express written consent of the respective copyright holder(s), distribute or commercially exploit the content; nor may you transmit it or store it in any other web site or other form of electronic retrieval system.

Product and company names mentioned on this web site may be service marks or trademarks of their respective owners.

The information contained in this web site is for general information purposes only.  The information is provided by us (Depner Financial Services).  While we try to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the web site or the information, products, services, or related graphics contained on the web site for any purpose.  Therefore, if you rely on such information you do so strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this web site.

Through this web site you may be able to link to other web sites which are not under the control of Depner Financial Services.  We have no control over the nature, content and availability of those sites.  The inclusion of any links does not necessarily imply that we recommend those sites or that we endorse the views expressed by them.

We try to keep this web site up and running smoothly.  However, Depner Financial Services takes no responsibility for, and will not be liable for, the web site being temporarily unavailable due to technical issues beyond our control.

Download the current (2011 Jan 08) Website Privacy Policy (PDF, 60 KB).