Terms of Use
Effective date: January 1, 2026.
1. Acceptance of terms
By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, do not use this site. Pettingill Analytics may update these terms at any time; continued use constitutes acceptance.
2. No professional relationship
This website is informational only. Nothing on this site creates a consultant-client, attorney-client, fiduciary, or expert engagement relationship. A professional relationship with Pettingill Analytics arises only upon execution of a written engagement letter and a completed conflicts check.
3. No legal, financial, or investment advice
Content is provided for general educational purposes. It is not legal advice, tax advice, investment advice, actuarial advice, or a substitute for retained expert analysis.
4. Intellectual property
All text, graphics, methodology descriptions, publications, and trademarks displayed on this site are the property of Pettingill Analytics or licensed to it, and are protected by U.S. and international intellectual property law. You may quote brief excerpts with attribution; you may not reproduce, republish, scrape, or train machine-learning models on this site without prior written permission.
5. Confidentiality of submissions
Do not submit privileged, confidential, or case-sensitive information through the contact form. Unsolicited submissions are not protected by privilege and may be subject to discovery.
6. Disclaimer of warranties
This site is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, statutory, or otherwise, including merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.
7. Limitation of liability
To the maximum extent permitted by law, Pettingill Analytics, its principals, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of this site, even if advised of the possibility of such damages. Aggregate liability shall not exceed one hundred U.S. dollars (US $100).
8. Third-party links
Outbound links are provided for convenience. Pettingill Analytics does not control and is not responsible for third-party content, policies, or practices.
9. Governing law and venue
These terms are governed by the laws of the State of Florida, without regard to conflict-of- laws principles. Exclusive venue for any dispute lies in the state or federal courts located in Palm Beach County, Florida.
10. Contact
Questions regarding these Terms: biffpett@gmail.com.