The following terms and conditions ("Terms and Conditions") govern your use of the World Wide Web Site located at www.smacollects.com (this "website"). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.

These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Terms and Conditions since their last visit. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was made.

This website has been prepared solely for the purpose of providing information about Stephens and Michaels Associates, Inc, and the products and services offered by the company. Without limiting the generality of anything else, Stephens and Michaels Associates, Inc. makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and its shall not be responsible for any errors or omissions in the website. Stephens and Michaels Associates, Inc. reserves the right to add, modify or delete any information on this website at any time, with or without notice.

Copyright and Other Proprietary Information:

Website text, graphics, design, selection and arrangement copyright © 2011, Stephens and Michael Associates, Inc.  All rights reserved. Stephens and Michaels Associates, Inc. also owns a copyright in the website as a collective work and/or compilation. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission Stephens and Michaels Associates, Inc., is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to Stephens and Michaels Associates, Inc.  Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.

Disclaimers; Disclaimers Regarding Other Servers and Web Sites:

This website, the website materials on and in and made available through this website, and the services, information, and products offered by Stephens and Michaels Associates, Inc.  in connection therewith are made available "as is" and "with all faults." Use of this website is entirely at your own risk.

Stephens and Michaels Associates, Inc.  make no representations or warranties, and disclaim all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you.