Copyright GURU DM has copyrighted over 500 graphics. Federal copyright law prohibits reproduction or modification of copyrighted materials. Any UNAUTHORIZED USE of any material contained on this site WILL VIOLATE COPYRIGHT LAWS and may result in civil and criminal penalties. GURU DM will prosecute copyright infringements. All web site design, text, graphics, the selection and arrangement thereof, © 2019 GURU DM. ALL RIGHTS RESERVED. Permission is granted to view and print in hard copy portions of this web site for the sole purpose of using this web site as a source of information about GURU DM. Any other use of materials on this web site, including but not limited to reproduction for purposes other than those stated above, modification, distribution or republication, without the prior written permission of GURU DM, is strictly prohibited.

Trademarks GURU DM name logos, GURU DM graphic logos, and all titles, characters, names, graphics, icons and photographs (unless otherwise credited) are service marks, trademarks and/or trade dress of GURU DM. All other trademarks, product names, company names, company logos and photographs herein are the property of their respective owners.

Disclaimer THIS SITE AND ITS CONTENTS ARE PROVIDED ON AN “AS IS” BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH RESPECT TO THIS SITE OR ITS CONTENTS. GURU DM DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES, INCLUDING FOR EXAMPLE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, GURU DM DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA THIS SITE IS ACCURATE, COMPLETE OR CURRENT. ALL INFORMATION IS SUBJECT TO CHANGE WITHOUT NOTICE. Except as specifically stated on this site, neither GURU DM, its web development firm, subcontractors, nor any of their respective officers, directors, employees or other representatives will be liable for damages arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims to third parties. By visiting any portion or web page of the GURU DM web site, you officially agree to the terms of use set forth herein.