Use of this website is offered to you on your acceptance of these Terms of Use, Dr. Arkady Kotlyar's Privacy Policy and other notices posted on this website. Your use of this website or of any content presented in any and all areas of the website indicates your acknowledgment and agreement to these Terms of Use, our Privacy Policy and other notices posted on this website. If you do not agree to be bound by and comply with all of the foregoing, you may not access the website. Dr. Arkady Kotlyar has the right, at its sole discretion, to modify, add or remove any terms or conditions of these Terms of Use without notice or liability to you. Any changes to these Terms of Use shall be effectively immediately following the posting of such changes on this website.

This website is for informational purposes only and is not intended to provide specific commercial, financial, investment, accounting, tax, or legal advice. It is provided to you solely for your own personal, non-commercial use. You may link to and refer to this website freely.
The performance of this website and all information contained on, downloaded or accessed from this website are provided to you on an "as is" basis, without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non-infringement of the rights of third parties.

Dr. Arkady Kotlyar reserves the right to modify, disable access to or discontinue, temporarily or permanently, any part or this entire website or any information contained thereon without liability or notice to you.

As a visitor to our website, you acknowledge and agree that any reliance on or use by you of any information available on this website shall be entirely at your own responsibility. In no event shall Dr. Arkady Kotlyar nor any of its data providers be liable for any direct, indirect, consequential or exemplary damages arising from the use or the performance of this website.