1. Introduction
Herb Kay S.O.S., including subsidiaries and affiliates (HK Turnaround, Taxon Group, Herb Kay, LLC and HK S.O.S.) provides the information contained on this website or any of the pages comprising www.herbkaysos.com to users, are subject to the terms and conditions set out in these website terms and conditions, the privacy policy and any other relevant terms and conditions, policies and notices which may be applicable to a specific section or module of this website.

2. Information on the Website
While every effort is made to update the information contained on this website, neither Herb Kay S.O.S. nor any third party or data or content provider make any representations or warranties, whether express, implied in law or residual, as to the sequence, accuracy, completeness or reliability of information, opinions, any share price information, research information, data and/or content contained on the website (including but not limited to any information which may be provided by any third party or data or content providers) and shall not be bound in any manner by any information contained on www.herbkaysos.com. Herb Kay S.O.S. reserves the right at any time to change or discontinue without notice, any aspect or feature of www.herbkaysos.com. No information shall be construed as advice and information is offered for information purposes only and is not intended for trading purposes. Users rely on the information contained on www.herbkaysos.com at their own risk.

3. Trade Marks
The trade marks, names, logos and service marks displayed on www.herbkaysos.com are registered and unregistered trademarks of Herb Kay S.O.S.. Nothing contained on www.herbkaysos.com should be construed as granting any license or right to use any trade mark without the prior written permission of Herb Kay S.O.S.

4. External Links
External links may be provided for your convenience, but they are beyond the control of the Herb Kay S.O.S. and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. When visiting external links you must refer to that external websites terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to www.herbkaysos.com without the express prior written permission of Herb Kay S.O.S. If Herb Kay S.O.S. has provided links, recommendations, references or pointers to other web sites, no inference or assumption should be made and no representation should be implied that Herb Kay S.O.S. is connected with, operates or controls these web sites. Herb Kay S.O.S. is not responsible for the content or practices of third party web sites that may be linked to this Site. This Site may also be linked to other web sites. When visiting other web sites, however, you should refer to each web site's individual "Terms and Conditions" and not rely on this Agreement.

5. Public Forums and User Submissions
Herb Kay S.O.S is not responsible for any material submitted to the public areas by you (which include bulletin boards, hosted pages, chat rooms, or any other public area found on www.herbkaysos.com. Any material (whether submitted by you or any other user) is not endorsed, reviewed or approved by Herb Kay S.O.S. Herb Kay S.O.S reserves the right to remove any material submitted or posted by you in the public areas, without notice to you, if it becomes aware and determines, in its sole and absolute discretion that you are or there is the likelihood that you may, including but not limited to:
   5.1 defame, abuse, harass, stalk, threaten or otherwise violate the rights of other users or any third parties;
   5.2 publish, post, distribute or disseminate any defamatory, obscene, indecent or unlawful material or information;
   5.3 post or upload files that contain viruses, corrupted files or any other similar software or programs that may damage the operation of Herb Kay S.O.S and/or a third party's computer system and/or network;
   5.4 violate any copyright, trade mark, or laws or intellectual property rights of Herb Kay S.O.S or any other third party;
   5.5 submit contents containing marketing or promotional material which is intended to solicit business.

6. Specific Use
You further agree not to use www.herbkaysos.com to send or post any message or material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law and you hereby indemnify Herb Kay S.O.S against any loss, liability, damage or expense of whatever nature which Herb Kay S.O.S or any third party may suffer which is caused by or attributable to, whether directly or indirectly, your use of www.herbkaysos.com to send or post any such message or material.

7. Warranties
Herb Kay S.O.S makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding www.herbkaysos.com, the information contained on www.herbkaysos.com, you or your company's personal information or material and information transmitted over our system.

8. Disclaimer of Liability
Herb Kay S.O.S shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of www.herbkaysos.com, any information contained on www.herbkaysos.com, you or your company's personal information or material and information transmitted over our system. In particular, neither Herb Kay S.O.S nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any share price information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.

9. Use of www.herbkaysos.com  
Herb Kay S.O.S does not make any warranty or representation that information on www.herbkaysos.com is appropriate for international use. By accessing www.herbkaysos.com, you warrant and represent to Herb Kay S.O.S that you are legally entitled to do so and to make use of information made available via www.herbkaysos.com.

10. Unsubscribe from Herb Kay's S.O.S. mailing list.
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• The S.O.S. Money Finder Guide
• The S.O.S. Career Recovery Guide
• The S.O.S. Credit Rescue Guide
• Plus, a FREE guide - The S.O.S. Debt Defense Guide with an audio CD- "Debt: A Grown up Discussion - turning a losing battle into a winning situation"

• Success: Your Personal S.O.S Profile - making the system work for you
• Money: The Big Picture - getting a handle on the economy, the crisis and the future
• Investing: The New Strategy- what used to work, won't - the plan for the new economy
• Real Estate: Everyone's Favorite Investment- Experts say now is the time to by, is it?
  

• S.O.S. Folder Filing System - with two double pocket folders
• S.O.S. Dry Erase Message Board - to post reminders on your refrigerator
• S.O.S. Desktop Calculator- to add up your savings
• PLUS: A **30-Day FREE trial membership to Herb Kay's Online S.O.S. Member Program!