This website is owned and operated by Anne Sperling. These Terms set forth the terms and conditions under which our services and this website are used. Your use of our services and this website confirms your approval of our terms.  We may change or terminate our services without notice. The service offered and all materials and images on the website are the exclusive property of Anne Sperling. You agree to hold Anne Sperling harmless from any loss or liability made against you by any third party due to or arising out of your use of the website or any of our services. You agree to occasionally receive promotional messages and materials from us by mail, email, or phone. If you don't want to receive such promotional materials or notices – notify us at any time.