This is a legal and binding contract between you and Richard C. Balough. By using this site by browsing, accessing or downloading, you agree to be bound by the terms of this Agreement. If you do not agree with the terms of this Agreement, or are legally unable to agree to these terms, then you cannot use this site.

1. Richard C. Balough is an attorney licensed in the states of Illinois, Texas and Florida and in several federal jurisdictions. His office is located in Chicago, Illinois. By accessing this site, you agree that the use of this site is in Cook County, Illinois, and you agree to venue in Cook County, Illinois.
2. Richard C. Balough is providing the contents of this site for informational purposes only. The material presented on this site is not legal advice and you cannot rely upon it as legal advice. By accessing this site, you are not creating an attorney-client relationship with Richard C. Balough.
3. The information presented on this site is general only and you should not act upon this information without consulting with an attorney for advice specific to you.
4. Your use of this site is at your own risk.
5. The materials presented on this site were accurate at the time they were written. Richard C. Balough makes no representation or warranty as to the accuracy of the information or for any omissions or other errors in the content and Richard C. Balough is under no obligation to update the material.
6. This site contains materials, individually and compiled, and proprietary information, including, but not limited to, text, video, graphics and software that are copyrighted under the United States copyright laws and international laws and treaties. Richard C. Balough grants you a limited, non-exclusive license to browse, to download into your individual computer, and to otherwise access this website. By downloading the material, you do not acquire any ownership interest or rights to the copyrighted material. The material presented is for your personal use only and not for commercial purposes. You may not publish, copy, transmit, modify, link, create derivative works, or in any other way use, display or exploit the contents of this site in whole or in part without express written permission. In the event you are granted written permission to copy, transmit, publish, link the copyrighted materials, you may not make any changes or deletions and you must attribute to Richard C. Balough as the source of the material. You are prohibited from deep-linking into the site without attribution.
7. Richard C. Balough assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer or other property as a result of your access to this site or your downloading of any materials.
8. Richard C. Balough has not reviewed, and assumes no responsibility to review, any and/or all of the sites linked to this site. Richard C. Balough is not responsible for the contents of any other site linked to this site. Richard C. Balough has not authorized any third party to act as his agent or bind him in any other manner.
9. Any communication or material you send to Richard C. Balough by electronic mail or otherwise is, and will be treated as, non-confidential and non-proprietary.
10. By accessing this site, your computer may leave certain information. The information collected does not identify you. Richard C. Balough accumulates this information for his use in developing this site and for marketing purposes. This information is not provided to others, nor is it sold to others, for any purpose.
11. You may not alter any terms and conditions of this Agreement without the express written consent of Richard C. Balough. Any attempt to do so by you is hereby rejected and is void.
12. This Agreement constitutes the entire agreement between Richard C. Balough and you with respect to the subject matter and replaces all previous written or oral agreements. This Agreement shall be construed in accordance with the laws of the State of Illinois without regards to its conflict of laws rules. No waiver by Richard C. Balough of any breach or default of this Agreement shall be deemed to be a waiver of any preceding or subsequent breach or default.
13. Richard C. Balough may at any time revise this Agreement by updating this site. You agree to be bound by any such revisions. You should periodically visit this page to determine the current terms of use.