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Terms of Use, Privacy Policy, Legal Notice and Accessibility Statement


Access to and use of the Stephen P. Compton (“SPC&ASSOCIATES”) Website/Blog is provided subject to these terms and conditions.

The content of the Stephen P. Compton and Associates site is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced for individual business use on a topic that may be of interest.  The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.  This agency makes no Investment advisory services.  Stephen P. Compton is an independent service.


The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal.


Disclaimer of Liability 
Neither SPC&ASSOCIATES nor any of its agencies nor any of its employees shall be held liable for any improper or incorrect use of the information described and/or contained herein and assumes no responsibility for anyone’s use of the information. In no event shall SPC&ASSOCIATES or its employees be liable for any direct, indirect, incidental, special, exemplary, or consequential damages (including, but not limited to, procurement or substitute goods or services; loss of use, data, or profits; or business interruption) however caused and on any theory of liability, whether in contract, strict liability, or tort (including negligence or otherwise) arising in any way out of the use of this system, even if advised of the possibility of such damage. This disclaimer of liability applies to any damages or injury, including but not limited to those caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence or under any other cause of action. 

Disclaimer of Warranties and Accuracy of Data 
Although the data found using the SPC&ASSOCIATES systems have been produced and processed from sources believed to be reliable, no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. This disclaimer applies to both isolated and aggregate uses of the information. SPC&ASSOCIATES provides this information on an “as is” basis. All warranties of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, freedom from contamination by computer viruses and non-infringement of proprietary rights are disclaimed. Changes may be periodically made to the information herein; these changes may or may not be incorporated in any new version of the publication. If you have obtained information from any of the SPC&ASSOCIATES’s web/blog pages from a source other than theSPC&ASSOCIATES pages, be aware that electronic data can be altered subsequent to original distribution. Data can also quickly become out of date. It is recommended that careful attention is paid to the contents of any data associated with a file and that the originator of the data or information is contacted with any questions regarding appropriate use. If you find any errors or omissions, we encourage you to report them to the SPC&ASSOCIATES by emailing our Webmaster at

Disclaimer of Endorsement 
SPC&ASSOCIATES may be a distributor of content sometimes supplied by third parties and users. Any opinions, advice, Statements, services, offers, or other information or content expressed or made available by third parties, including information providers, users, or others, are those of the respective author(s) or distributor(s) and do not necessarily state or reflect those of SPC&ASSOCIATES and shall not be used for advertising or product endorsement purposes. Reference herein to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by the SPC&ASSOCIATES. 

Disclaimer for External Links 
The SPC&ASSOCIATES official website/blog contains links to other, external websites. In establishing and maintaining its official website, the SPC&ASSOCIATES does not intend in any manner to create a forum or other means by which public discourse, exchange of opinions, or discussion on issues of any nature may occur. Rather, the sole and limited purpose of the SPC&ASSOCIATES website and permitted external links is to provide information about the SPC&ASSOCIATES and the surrounding community for use by residents, businesses, and visitors. The SPC&ASSOCIATES does not endorse or provide preferential treatment to any third party websites or associated organizations or persons. Since the SPC&ASSOCIATES does not control third party websites, it does not warrant that third party websites are accurate or reliable or that they have operational links. The user acknowledges and agrees that the SPC&ASSOCIATES is not liable in any way for the content, accuracy, reliability, viewpoints, policies, or products provided by these external resources. Once a website visitor leaves the SPC&ASSOCIATES website/blog and links to an external site, the SPC&ASSOCIATES policies no longer apply and the visitor will be subject to the new site’s policies. The SPC&ASSOCIATES is not responsible for the contents of any off-site pages referenced. The user specifically acknowledges that the SPC&ASSOCIATES is not liable for the defamatory, offensive, or illegal conduct of other users, links, or third parties and that the risk of injury from the foregoing rests entirely with the user. Links from the SPC&ASSOCIATES web/blog pages on the World Wide Web to other sites do not constitute an endorsement from the SPC&ASSOCIATES. These links are provided as an information service only. It is the responsibility of the web surfer to evaluate the content and usefulness of information obtained from other sites. The SPC&ASSOCIATES Web/BLog Pages may contain links to other related World Wide Web Internet sites and resources. Since the SPC&ASSOCIATES Web Pages are not responsible for the availability of these outside resources or their contents, you should direct any concerns regarding any external link to its site administrator or webmaster. 

Stephen P. Compton and Associates Privacy Notice 
During your visit to information that is not readily identifiable to an individual may be automatically collected and stored. This information would be used solely to improve our web services. For more detail on our privacy policy, please see the expanded statement following. 
Information that may be Collected and How it may be Used. 

Personal Information and Choice 
“Personal information” is information about an individual that is readily identifiable to that specific individual. Personal information includes personal identifiers such as an individual’s name, address, and phone number. A domain name or Internet Protocol address is not considered personal information. We will not collect personal information about you unless you voluntarily participate in an activity that asks for information (i.e. sending an e-mail, filling in and sending a form, or participating in a survey). If you choose not to participate in these activities, your choice will in no way affect your ability to use any other feature of the SPC&ASSOCIATES website. 
The SPC&ASSOCIATES has links to other websites. These may include links to websites operated by other third party agencies, nonprofit organizations, and private businesses. When you link to another site, you are no longer on SPC&ASSOCIATES and this Privacy Notice will not apply. When you link to another website, you are subject to the privacy and other policies of that new site. 
Acceptable Use Policy 
Access to and use of the SPC&ASSOCIATES website is provided subject to these terms and conditions.
Choice of Law 
Construction of the disclaimers above and resolution of disputes thereof are governed by the rules and regulations of the SPC&ASSOCIATES and shall apply to all use of this data and this system. By use of this system and any data contained therein, the user agrees that use shall conform to all applicable laws and regulations and user shall not violate the rights of any third parties. 

This material is for the noncommercial SPC&ASSOCIATES use of the general public. The Fair Use guidelines of the U.S. copyright statutes apply to all material on the SPC&ASSOCIATES website and linked agency web pages. The SPC&ASSOCIATES shall remain the sole and exclusive owner of all rights, 
title, and interest in and to all specifically copyrighted information created and posted for inclusion in this system. Photographs and graphics on the SPC&ASSOCIATES website are the property of the SPC&ASSOCIATES unless specifically stated otherwise. For copy or use of information on the SPC&ASSOCIATES website that is outside of the Fair Use provisions of copyright law, or if you have any questions on using the material on the SPC&ASSOCIATES web pages, please email the webmaster at If permission to reproduce or redistribute is granted, the following statement shall be included on all reproduced information: “Reproduced with permission from the SPC&ASSOCIATES.” 
All users agree to access and use the website/blog only for lawful purposes. Users are solely responsible for the knowledge of and adherence to any and all laws, statutes, rules and regulations pertaining to the use of this website.
By accessing this website, users agree that they will not: 
Use the website to commit a criminal offense or to encourage others to engage in conduct that would constitute a criminal offense or give rise to civil liability; 
Post or transmit any unlawful, threatening, libelous, harassing, defamatory, vulgar, obscene, pornographic, profane or otherwise objectionable content; 
Use the website to impersonate other parties or entities; 
Use the website to upload any content that contains a software virus, or any other computer code, files, or programs that may alter damage, or interrupt the functionality of the website or the hardware or software of any other person who accesses the website; 
Upload, post, e-mail or otherwise transmit any materials without the specific right to transmit under any law or contractual relationship; Alter, damage, or delete any content posted on the site; Disrupt the normal flow of communications in any way; Claim a relationship with or speak for any business, association, or other organization without proper and lawful authorization; Post or transmit any unsolicited advertising, promotional materials, or other forms of solicitation; Post any material that infringes or violates the intellectual property rights of another; or Collect or store personal information about others.
Termination of Use 
The SPC&ASSOCIATES may, in its sole discretion, terminate or suspend an individual’s access and use of this website without notice and for any reason, including a violation of any of the terms and conditions set forth above or for other conduct which the SPC&ASSOCIATES, in its sole discretion, believes is unlawful or harmful to others. In the event of termination, an individual will no longer be authorized to access the website, and the SPC&ASSOCIATES will use whatever means possible to enforce the termination. 

Web Accessibility Statement 
SPC&ASSOCIATES is committed to making its web/blog sites accessible to all internet users. The web/blog sites are undergoing review and redesign as necessary to ensure that they meet or exceed the requirements of Section 508 of the Rehabilitation Act of 1973. Manyofourweb sites currently meet the Section 508 accessibility standards. Furthermore, SPC&ASSOCIATES continues to work on making all web/blog sites accessible. Thank you very much for your patience through this redesign process. If you have any comments or suggestions for improvement, please contact the webmaster. 

Accessibility Resources 
There are a number of resources available that describe the elements of accessible Web/blog pages as well as listings of companies that provide assistive computer technology including screen reading software.
Electronic and Information Technology Accessibility Standards - Section 508 Final Rule 
Guidelines for Web Accessibility 

Web Content Accessibility Guidelines 
Assistive Computer Technology Listing 

Adobe Acrobat PDF Files 
Many of the documents on the SPC&ASSOCIATES Web/blog site are in HTML or ASCII (plain text) formats. These formats are generally accessible to people who use screen readers. We also have a large number of documents in Adobe Acrobat® Portable Document Format (PDF). 
PDF format is used to preserve the content and layout of our hard copy publications. Publications in PDF can only be viewed and printed using the Adobe AcrobatReader®, version 3.0 or higher. You can download and get help using the Acrobat Reader at the Adobe Systems, Inc. site. The downloadable Acrobat Reader software is available at NO CHARGE from Adobe. 
Download Acrobat Reader 
People using screen-reading devices generally are unable to read documents directly in PDF format, unless they have an accessibility plug-in installed on their system along with the Adobe Acrobat Reader. This plug-in is available at NO CHARGE from Adobe. Adobe also has online tools that will convert PDF files to HTML on request. To get the plug-in and latest news about Adobe’s accessibility tools and services, visit the Access Adobe site. 
Access Adobe 
Requesting Alternative Formats 
SPC&ASSOCIATES converts information and documents into alternative formats, including Braille, large print, video description, diskette, and audiotape. For more information, email Stephen P. Compton at the Web/Blog site or call the (903) 217-7465(Voice/TTY). 

PowerPoint and Word Files 
You can view our online publications that are in Microsoft PowerPoint® (.ppt) format if you have any version of PowerPoint installed on your computer. For those who don’t have the software, the Microsoft Corporation offers a FREE PowerPoint file viewer. You can download and get help using the PowerPoint viewer at the Microsoft Download Center.
You can view publications in Microsoft Word® (.doc) format if you have Word, version 6.0 or higher, installed on your computer. Word documents can also be viewed with m
any other word processing software programs. Additionally, Microsoft offers a FREE Word file viewer that you can download at its Microsoft Download Center.  Microsoft Download Center 

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