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Legal Notice and Disclaimer

Under no circumstances will Gary L. Owen and Associates, Inc., its employees, or agents be liable for any direct, indirect, punitive, or consequential damages that may result in any way from your use, misuse, reference to, or reliance on any of the information provided on or through this or any other web site including those sites which are linked herein, or that result from mistakes, errors, omissions, interruptions, defects, or any failure of performance. Gary L. Owen and Associates, Inc. expressly disclaims all warranties, including any express or implied warranties of merchantability or fitness for a particular purpose with respect to the information herein.

While Gary L. Owen and Associates, Inc. makes every effort to present accurate and reliable information on this site, Gary L. Owen and Associates, Inc. does not endorse, approve, or certify the information provided by others, nor does Gary L. Owen and Associates, Inc. guarantee its accuracy, completeness or timeliness. Use of the information is voluntary and reliance on it should only be undertaken after you have independently verified its accuracy, completeness, and timeliness.

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Unsolicited email to Gary L. Owen and Associates, Inc. and/or the "garylowen.com" domain may result in action under the terms of applicable U.S. law, including Title 47, Sec.227(b)(1)(C) of the U.S. Code.

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