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The contents of our publications are only intended to provide a summary and general overview of matters of interest to the financial services and credit industries, and to promote broad discussion.  The publication does not constitute professional advice, nor does it create an advisor-client relationship.  You should seek advice appropriate to your circumstances, needs and objectives before acting or relying on any content in this publication.  Licensee Solutions make no warranties or representations about the content of this publication and excludes, to the maximum extent permissible by law, any liability which may arise as a result of the use of the content of this publication.

Unless otherwise indicated, Licensee Solutions and Halsey Legal jointly own the copyright in the contents of the publications.