Effective Date: June 16, 2025 Last Updated: June 16, 2025 Welcome to [https://stevemunkeby.com] (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website located at [https://stevemunkeby.com] (“Website”) and any services, content, or features provided through the Website. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. Use of the Website

You agree to use the Website for lawful purposes only. You are prohibited from using the Website:

• For any unlawful purpose
• To solicit others to perform or participate in any unlawful acts
• To violate any international, federal, provincial, or state regulations or laws
• To infringe upon or violate our intellectual property rights or the rights of others
• To submit false or misleading information
• To upload or transmit viruses or malicious code
• To interfere with or circumvent the security features of the Website or any related services

We reserve the right to terminate your use of the Website for violating any of these prohibited uses.

2. Intellectual Property

All content, design, logos, graphics, and software used on this Website are the property of [https://stevemunkeby.com] or its content suppliers and are protected by copyright, trademark, and other intellectual property laws. You may not use any content from this Website without express written permission, except as permitted by law (e.g., fair use for personal, non-commercial use).

3. User Accounts (if applicable)

If your Website allows account registration:

• You agree to provide accurate, current, and complete information during registration.
• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activities that occur under your account.

We reserve the right to suspend or terminate accounts that are used in violation of these Terms or any applicable law.

4. Third-Party Tools and Links

This Website may include links to third-party websites or tools (e.g., Google Analytics, payment gateways, YouTube). These are provided for your convenience, and we are not responsible for the content, policies, or practices of any third-party websites or services. Use of third-party tools and services is at your own risk and may be subject to their own terms and privacy policies.

5. Disclaimer of Warranties

This Website is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not guarantee that the Website will be secure, error-free, or uninterrupted. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

6. Limitation of Liability

To the fullest extent permitted by law, [https://stevemunkeby.com] shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of or inability to use the Website or any linked services. This includes, without limitation, loss of profits, data, goodwill, or other intangible losses.

7. Indemnification

You agree to indemnify, defend, and hold harmless [https://stevemunkeby.com] and its affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of your use of the Website or your violation of these Terms.

8. Changes to the Terms

We reserve the right to update or change these Terms at any time. If changes are made, the revised Terms will be posted with a new effective date. Your continued use of the Website after changes constitutes acceptance of those changes.

9. Governing Law

These Terms are governed by the laws of the state or country where NextGen Publications, LLC is based, without regard to its conflict of law provisions.

10. Contact Information

For questions regarding these Terms and Conditions, you may contact us at: NextGen Publications, LLC Email: drstevemunkeby@gmail.com Website: https://stevemunkeby.com