The fine print.

The following Terms and Conditions of Use apply to the entire group of websites created and provided by Maurice Phillips and its subsidiary companies available for general viewing and use. These www.MauricePhillips.me Terms and Conditions of Use are inclusive of, but not limited to, all written and graphic or design materials, underlying HTML or other source files, discussion groups and e-mail features offered as part of any Maurice Phillips website, all of which are defined collectively as “Site”.

1. Terms

By accessing this Site, you are agreeing to be bound by these Site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this Site are protected by applicable copyright and trade mark law.

2. Use License

1. Permission is granted to temporarily download one copy of the materials (information or software) on Maurice Phillips’s Site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
   1. modify or copy the materials;
   2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
   3. attempt to decompile or reverse engineer any software contained on Maurice Phillips’s Site;
   4. remove any copyright or other proprietary notations from the materials; or
   5. transfer the materials to another person or “mirror” the materials on any other server.
2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Maurice Phillips at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

1. The materials on Maurice Phillips’s Site are provided “as is”. Maurice Phillips makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Maurice Phillips does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet Site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Maurice Phillips or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Maurice Phillips’s Internet site, even if Maurice Phillips or a Maurice Phillips authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on Maurice Phillips’s Site could include technical, typographical, or photographic errors. Maurice Phillips does not warrant that any of the materials on its Site are accurate, complete, or current. Maurice Phillips may make changes to the materials contained on its Site at any time without notice. Maurice Phillips does not, however, make any commitment to update the materials.

6. Links

Maurice Phillips has not reviewed all of the sites linked to its Internet Site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Maurice Phillips of the site. Use of any such linked Site is at the user’s own risk.

7. Site Terms of Use Modifications

Maurice Phillips may revise these terms of use for its Site at any time without notice. By using this Site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to Maurice Phillips’s Site shall be governed by the laws of the State of New York without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Site.

9. Disclosures

9.1 While Maurice Phillips attempts to include accurate information in the Site, occasional errors or omissions in content may occur. Maurice Phillips will make reasonable efforts to correct these errors or omissions, but can make no representation regarding the accuracy of information provided. EXCEPT AS SPECIFICALLY PROVIDED ABOVE, THE SITE IS PROVIDED TO THE CUSTOMER “AS IS.” MAURICE PHILLIPS MAKES NO OTHER WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED. MAURICE PHILLIPS DOES NOT WARRANT THE ACCURACY, COMPLETENESS, PERFORMANCE, CURRENCY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE SITE OR THE INFORMATION IT CONTAINS. MAURICE PHILLIPS DOES NOT WARRANT THAT THE SITE IS ERROR-FREE IN CONTENT. MAURICE PHILLIPS SHALL NOT BE LIABLE TO CUSTOMER OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGE CAUSED IN ANY PART BY CUSTOMER’S USE OF THE SITE, CUSTOMER’S RELIANCE ON THE INFORMATION CONTAINED IN THE SITE OR BLOOMBERG INDUSTRY GROUP’S SUPPORT SERVICES, OR FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF IMPLIED WARRANTIES OR LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.

9.2 Maurice Phillips disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind resulting from, arising out of or any way related to (a) any errors in or omissions from this Site and its content, including but not limited to technical inaccuracies and typographical errors, (b) any third party websites or content therein directly or indirectly accessed through hot links in this Site, including but not limited to any errors in or omissions therefrom, (c) the unavailability of this Site or any portion thereof, (d) your use of this Site, or (e) your use of any equipment or software in connection with this Site.

9.3 Legal and other Advice. NOTHING ON THE SITE NOR ANY PORTION THEREOF CONSTITUTES ACTUAL LEGAL, TAX, ACCOUNTING, REGULATORY OR OTHER PROFESSIONAL ADVICE, OPINION, OR RECOMMENDATION BY MAURICE PHILLIPS, HIS AFFILIATES, OR ANY CONTENT PROVIDER. IF LEGAL OR OTHER PROFESSIONAL ASSISTANCE IS REQUIRED, THE SERVICES OF A COMPETENT PROFESSIONAL SHOULD BE SOUGHT. YOU ASSUME ALL RESPONSIBILITIES AND OBLIGATIONS WITH RESPECT TO ANY DECISIONS, ADVICE, CONCLUSIONS, LEGAL OR TAX OPINIONS, RECOMMENDATIONS MADE OR GIVEN AS A RESULT OF THE USE OF THE SERVICES, INCLUDING WITHOUT LIMITATION ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON CONTENT, OR INCORPORATING OR REFERENCING THE CONTENT. NO ATTORNEY-CLIENT RELATIONSHIP IS FORMED WITH MAURICE PHILLIPS, ITS AFFILIATES, OR ANY SUPPLIER OF CONTENT THROUGH USE OF THE SERVICES. NONE OF THE SERVICES OR CONTENT SHALL CONSTITUTE OR BE CONSTRUED AS A RECOMMENDATION, SOLICITATION, OFFER, OPINION, BY MAURICE PHILLIPS (ITS AFFILIATES OR ANY CONTENT PROVIDER) FOR ANY FINANCIAL TRANSACTION, THE PURCHASE OF ANY FINANCIAL INSTRUMENT, INCLUDING BUT NOT LIMITED TO SECURITIES, OR ANY KIND OF INVESTMENT.

10. Entire Agreement; Severability; Survival

These Terms and Conditions incorporate by reference any notices contained on this Site and constitute the entire agreement with respect to your access to and use of this Site. If any provision of these Terms and Conditions is unlawful, void or unenforceable, then that provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

11. Intellectual Property Issues

A. General Inquiries:

Please send general inquiries regarding intellectual property issues to: [email protected]

B. Copyright Agent for Copyright Infringement Claims (Digital Millennium Copyright Act):

The designated agent to receive notification of claimed infringement under Title II of the Digital Millennium Copyright Act is: Maurice Phillips, PO Box 6167, New York, NY 10105, telephone: (212) 399-0664, e-mail: [email protected]

Pursuant to 17 U.S.C. 512(i) of the United States Copyright Act, Maurice Phillips has adopted and implemented a policy respecting the copyright law that provides for the termination in appropriate circumstances of users of the Site who are repeat infringers. Without limiting any other of its rights and remedies, Maurice Phillips may terminate access for users who are found repeatedly to provide or post protected content without the necessary rights and/or permissions.

12. If You Do Not Agree

IF THESE TERMS AND CONDITIONS ARE NOT ACCEPTABLE IN FULL, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS SITE.

Change log:

• 9 August 2016: Policy posted.
• 25 June 2020: Updated Formatting.

This blog is not primarily financially driven. Regardless, beginning December 1, 2009, the FTC requires bloggers to disclose whenever there could be hidden interests or unspoken biases related to recommendations.

You have my word that I will always do my best to explain when I have any “material connection” with advertisers.

Per the FTC rules, I would need to disclose if I used an Amazon link that gets me 10 cents instead of an Amazon link that gets me 0 cents. Putting disclaimers all over the place would be tedious for me and even more tedious for readers. But rules are rules. To preserve your reading experience, please assume that, for every link and product I use or recommend, the following all hold true:

• Any item I reference or review, I may have received for free.
• Any link may be a referral, or affiliate link that pays me for the referral.
• I may have a material connection with any company or product referenced on my site.

However, keep in mind;

• If I was paid to try a product and I thought it was terrible, I will never say it’s terrific.
• I will never base an opinion on anything related to payment.
• I will never talk about my experience with a product if I haven’t actually tried the product.

Change log:

• 9 August 2016: Policy posted.
• 25 June 2020: Updated formatting.

I am committed to providing access to my website for individuals with disabilities. When websites and web tools are designed and coded with care, people with disabilities can use them.

The W3C Web Accessibility Initiative (WAI) develops technical specifications, guidelines, techniques, and supporting resources that describe accessibility solutions. These are considered international standards for web accessibility; for example, WCAG 2.0 is also an ISO standard: ISO/IEC 40500.

Whenever possible I will try to adhere to the specifications that the W3C WAI prescribe.

If you come across anything inaccessible I would encourage you to reach out to me at [email protected] so that I can fix the issue. It’s important to me that I do my part to make the Web more accessible to people with disabilities.

Understanding how and why I use cookies

I use cookies to give you the best possible experience on my website. Cookies allow you to do many things such as log on, have us ‘remember’ your log-in preferences.

When you visit this site, I ask for your consent to use cookies. However, this Cookie Policy allows you to amend your preference for tailored content cookies.

To find out more about how I use cookies and what benefits they bring, please take a few moments to read this Cookie Policy.

Frequently asked questions

Can cookies pass on my personal information to others?
I never use the data gathered through cookies to contact you via post, email or phone.  I may use cookies to show you subtly tailored content on my website or other websites of things I think you might be interested in.

Do cookies compromise my security?
The cookies I use are completely safe. In fact, many of them are used purely to provide important security features such as protecting your data.

What are cookies?

Cookies are small text files that are sent to and stored on your computer, smartphone or other device for accessing the internet, whenever you visit a website. Cookies are useful because they allow a website to recognize a user’s device.

I use cookies for a variety of reasons, such as to determine preferences, let users navigate between pages efficiently, verify the user and carry out other essential security checks. Some of the functions that cookies perform can also be achieved using similar technologies. This policy refers to ‘cookies’ throughout, however it also covers these alternate mechanisms.

More information about cookies can be found on allaboutcookies.org.

How cookies make my website safer and easier to use

I use cookies to safeguard your privacy when you’re browsing my website. 

Cookies can also allow us to tailor the content of my website to suit your interests. For example, instead of displaying promotional messages about products you already have, they let us show you other services you may be interested in.

Finally, i use ‘analytics’ cookies to help us make my website better for those who visit it regularly. They help us work out what users like and don’t like and how I can improve things for you.

When I include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. I recommend you read their policies as I am not responsible or liable for their privacy practices.

How I work with trusted third parties

Third parties are trusted suppliers to me. They include partners who provide important functionality to my website, such as my live chat service, and partners who help us improve my website, such as Google Analytics and Adobe, who provide statistics about which pages are visited most frequently.

The only time cookies would enable us to share personal information such as your name, address, telephone or email is when you have given us express consent to pass it on to a trusted third party.

We may show advertisements for 3rd party companies. Some of these will be general campaign-related adverts but others will be tailored to your likely interests based upon previous web browsing activity – these can be easily identified as they feature a small blue AdChoices icon in the corner of the advert. If you want to opt-out of receiving targeted adverts from me, too bad.

How I improve my email

I use email analytics and reporting tools to see how many of my emails are opened and which links receive the most clicks. Knowing which articles and topics my customers like and which they don’t like helps us improve my content and make my emails more relevant.

I maintain strict security standards and procedures to prevent unauthorized access to information about you. I will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers.

If you wish to unsubscribe from marketing emails, please click on the link located in the footer of any marketing email you’ve received from me.

Cookie Audit

Below is a table of cookies used on my site, in line with the guidance given by the ICO.

Cookie	Type	Duration	Description
__cfduid	Necessary	1years 19days 15hours 40minutes	The cookie is set by CloudFare. The cookie is used to identify individual clients behind a shared IP address and apply security settings on a per-client basis. It does not correspond to any user ID in the web application and does not store any personally identifiable information.
__gads	Analytics	1years 19days 20minutes	This cookie is set by Google and stored under the name doubleclick.com. This cookie is used to track how many times users see a particular advert which helps in measuring the success of the campaign and calculate the revenue generated by the campaign. These cookies can only be read from the domain that it is set on so it will not track any data while browsing through another sites.
_ga	Analytics	1years 20days 8hours 28minutes	This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.
_ga_97HE7S46C3	Analytics	1years 20days 8hours 30minutes	This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.
_gat_gtag_UA_46648340_1	Analytics	1years 19days 14hours 57minutes	This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visted in an anonymous form.
_gat_UA-46648340-1	Analytics	1years 19days 14hours	This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visited in an anonymous form.
_gid	Analytics	1years 19days 14hours 59minutes	This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visited in an anonymous form.
cookielawinfo-checkbox-necessary	Necessary	1years 19days 23hours 43minutes	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category 'Necessary'.
cookielawinfo-checkbox-non-necessary	Necessary	1years 19days 23hours 43minutes	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category 'Non-necessary'.
ninja_session	session	session	The cookie is set by Ninja Invoice. Websites typically use session cookies to ensure that you are recognised when you move from page to page within one site and that any information you have entered is remembered. For example, if an e-commerce site did not use session cookies then items placed in a shopping basket would disappear by the time you reach the checkout. You can choose to accept session cookies by changing the settings in your browser.
test_cookie	Advertisement	1years 19days 14hours 58minutes	This cookie is set by doubleclick.net, and mauricephillips.me The purpose of the cookie is to determine if the users' browser supports cookies.
XSRF-TOKEN	Security	1years 19days 14hours 58minutes	This cookie is set by Invoice Ninja. Invoice Ninja automatically generates a CSRF "token" for each active user session managed by the application. This token is used to verify that the authenticated user is the one actually making the requests to the application. The cookie is used for security purposes.

Thank you to all of the talented photographers, graphic designers, and artists who help keep the internet beautiful. Attribution is the action of ascribing a work or remark to a particular author, artist, or person. I believe in giving credit where credit is due. As such I maintain a record of all work used on my site. Below you can find a list of all work used on my website along with the license.

Types of Licenses:

Creative Commons

	Ident-Nr.	Copyright	License	Author	Publisher
	Bird’s Eye View of Amritsar Airport taken from an aircraft taking off.jpg	By Kaler Harraj [Creative Commons], via Wikimedia Commons	CC BY-SA 4.0	Kaler Harraj	Wikimedia Commons
	64px-Co2_carbon_dioxide_icon	By Tommaso.sansone91 [Creative Commons], via Wikimedia Commons	CC0	Tommaso.sansone91	Wikimedia Commons
	982088-800w	© Dennis Stenild – Photographer	Unlicensed	Dennis Stenild – Photographer	Eurowoman.dk
	4840533906	By Gage Skidmore, CC BY-SA 2.0 [Creative Commons], via Wikimedia Commons	Gage Skidmore, CC BY-SA 2.0, via Wikimedia Commons	Gage Skidmore, CC BY-SA 2.0	Gage Skidmore, CC BY-SA 2.0, via Wikimedia Commons
	C. J. Wilson on June 26, 2012.jpg	By Keith Allison on Flickr (Original version) UCinternational (Crop), CC BY-SA 2.0, [Creative Commons], via Wikimedia Commons	Keith Allison on Flickr (Original version) UCinternational (Crop), CC BY-SA 2.0, via Wikimedia Commons	Keith Allison on Flickr (Original version) UCinternational (Crop), CC BY-SA 2.0,	Keith Allison on Flickr (Original version) UCinternational (Crop), CC BY-SA 2.0, via Wikimedia Commons
	870220674	© Martin Collection: Martin’s Photo Shop	Digital image 2004 Indiana Historical Society. All Rights Reserved. *received permission via email.	Martin Collection: Martin’s Photo Shop	Indiana Historical Society
	DAPUQ9	© Icon Bunny	Envato Elements License	Icon Bunny	envatoelements
	DAPUQ9	© Icon Bunny	Envato Elements License	Icon Bunny	envatoelements

Other Assets:

• MauricePhillips.me makes use of the FontAwesome icon font in either font or SVG formats. Use of this icon font falls under the Creative Commons Attribution 4 International license. No changes have been made other than to presentation colors.