The purpose of the information contained within this web site is to provide general information for various subjects of interest. However, the effect and application of laws can and do vary, depending upon the unique situation of each user. Thus, do not construe this information as legal, accounting, tax, investment, or other professional advice or services.

Each user of this web site should consult a qualified professional who understands the user's particular factual situation before making decisions, and Bay Business Group disclaims any responsibility for any actions taken by users in their specific cases or for any misinterpretation on the part of users. The information is "AS IS," and Bay Business Group makes no express or implied representations or warranties including warranties of performance, merchantability, and fitness for a particular purpose, regarding this information. Bay Business Group does not guarantee the completeness, accuracy or timeliness of this information. Your use of this information is at your own risk. You assume full responsibility and risk of loss resulting from the use of this information. Bay Business Group will not be liable for any direct, special, indirect, incidental, consequential, or punitive damages or any other damages whatsoever, whether in an action based upon a statute, contract, tort, or otherwise relating to the use of this information. Many links on this Web Site lead to information or resources maintained by third parties over whom Bay Business Group has no control. Bay Business Group makes no express or implied warranties as to the accuracy or any other aspect of such information.

Our privacy statement is simple and direct:

We never disclose any of your personal information to anyone, without your permission.