General
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The Hart Agency is owned by Barbara Robinson-Hart, sole proprietor, who owns and operates a number of websites that offer a variety of products and services to the public. The Hart Agency has sole discretion to change or discontinue any aspect of the products and/or services offered on these sites at any time and with no prior notice.

Refund Policy
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ALL sites have a strictly enforced NO REFUND Policy. Any attempt to seek a refund through the means of a charge back or by closing an account to avoid payment for products and/or services received will be viewed as an attempt to commit fraud and will be prosecuted to the fullest extent of applicable federal law, as well as the laws of the state of North Carolina.

Privacy
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The Hart Agency will NEVER provide your name and account information to any third party unless properly ordered to do so by a court of proven jurisdiction.

Disclaimer of Warranty; Limitation of Liability
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You expressly agree that your use of The Hart Agency websites for the purpose of purchasing products and/or services is at your sole risk. The websites are NOT guaranteed to be error free. Although every effort is made to provide satisfactory products and/or services at the agreed upon price, there is no warranty, implied or expressed, that we will be able to do so. Server downtime is beyond our control, and you agree to hold The Hart Agency, its management and staff, blameless for any loss of revenues you feel you may have incurred due to our inability to publish your ad(s) 100% of the time during your subscription period(s). NO CREDIT will be given for any server downtime, so don't ask for it.

Advertisers' Offers and Sales
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You may enter into correspondence with and purchase products or services from the Advertisers who display their wares on our websites. Any such correspondence or purchase, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or purchase, are solely between you and that Advertiser. Neither The Hart Agency nor Barbara Robinson-Hart (sole proprietor) assumes any liability, obligation or responsibility for any part of any such correspondence or purchase.

Modifications to Terms of Service
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The Hart Agency may modify these Terms and Conditions from time to time at its sole discretion. An up-to-date copy of the Terms of Service will be available at the current URL:

http://www.thehartagency.net/tos.html

As a user of any of The Hart Agency websites, it is your responsibility to check the Terms of Service periodically for any updates that may affect your use of these websites. Your current and continued access or use of the websites owned and maintained by The Hart Agency shall be deemed your conclusive acceptance of the current and any future modified terms.