Terms of Use

Acceptance

By accessing and using this website, you agree to these Terms of Use and to the Disclaimer published on this site. If you do not agree, please do not use the site.

Permitted use

This website and its contents are provided for your personal, informational use. You may not reproduce, republish or distribute the content of this site for commercial purposes without written permission.

Intellectual property

The text, design, graphics and arrangement of this website are the property of Michael J. Lucas & Associates, LLC, except where otherwise indicated.

No warranty

This website is provided on an "as is" basis. While we work to keep the information accurate and current, no representation or warranty is made as to its completeness, accuracy or applicability to your situation.

Limitation of liability

To the fullest extent permitted by law, Michael J. Lucas & Associates, LLC is not liable for any damages arising from the use of, or the inability to use, this website or any information on it.

Governing law

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-laws principles.

Changes

These Terms may be updated from time to time. Continued use of the website after a change constitutes acceptance of the revised Terms.

Last updated: 2026-10-30