Terms and Conditions

Welcome to W Phil Ratcliff’s Website.

These Terms and Conditions govern your use of this website. By accessing or using this website, you agree to be bound by these terms.

1. Acceptance of Terms

By using this website, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree to these terms, please do not use this website.

2. Use of Website

You may use this website for lawful purposes only. You agree not to use this website in any way that violates any applicable laws or regulations.

3. Intellectual Property

All content on this website, including but not limited to text, images, logos, and trademarks, is the property of W Phil Ratcliff or its licensors. You may not reproduce, distribute, or display any content from this website without the express written permission of W Phil Ratcliff.

4. Disclaimer of Warranties

This website is provided “as is” without any warranty of any kind, express or implied. W Phil Ratcliff does not warrant that the website will be error-free, uninterrupted, or secure. W Phil Ratcliff is not liable for any damages arising from your use of this website.

5. Limitation of Liability

In no event shall W Phil Ratcliff be liable for any damages, including but not limited to direct, indirect, incidental, special, or consequential damages, arising out of or in connection with your use of this website.

6. Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of [State/Country].

7. Changes to Terms

W Phil Ratcliff reserves the right to modify these terms and conditions at any time. Any changes will be effective upon posting to this website.

8. Contact Us

If you have any questions or concerns regarding these terms and conditions, please contact us at [email address] or [phone number].