Michael Panzner

Terms and Conditions

These Terms and Conditions govern your use of this website owned and operated by Michael Panzner. By accessing this site, you agree to these terms. If you do not agree, do not use this website.

Use of Content

The content on this site, including text, images, videos and other material, is protected by copyright and owned by Michael Panzner unless otherwise indicated. You may use short quotations and excerpts with proper citation and links back to our original content. Any other uses require our written permission.

User Content

Visitors may be able to post content to the site, including comments or forum posts. You are responsible for any content you upload or post. We reserve the right to remove or edit any user content at our discretion for any reason. Content must not violate the privacy rights, copyrights, trademark rights, or other rights of third parties.

DMCA Takedown Policy

We respect the intellectual property rights of others. If you believe your copyrighted work has been reproduced on this site without authorization in a way that constitutes copyright infringement, you may notify us by providing the following information:

  • Identification of the copyrighted work claimed to have been infringed.
  • Identification of the allegedly infringing material on this site that is requested to be removed.
  • Your name, address and daytime phone number, and an email address, if available.
  • A statement that you have a good faith belief that the use is not authorized by the copyright owner and that the takedown notice is accurate.
  • A statement under penalty of perjury that you are the owner, or authorized to act on behalf of the owner, of the copyright involved.

Notices of claimed copyright infringement should be directed to michael@michaelpanzner.com. We will promptly review takedown notices that comply with the DMCA. If you fail to comply with all of the requirements of this DMCA Takedown Policy, your notice may not be valid. Please note that under 17 U.S.C. 512(f), you may be liable for any damages, including costs and attorneys’ fees, if you knowingly materially misrepresent that material is infringing.

Changes to Website

We reserve the right to modify, suspend or discontinue this site, or any features or parts thereof, at any time without notice. We will not be liable for any such modification, suspension or discontinuance.


Some areas of the site may allow you to create an account. You are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately if you believe your account has been compromised. We reserve the right to terminate accounts at our discretion.

Links to Third-Party Sites

This site contains links to third-party websites. We are not responsible for the content, policies, or practices of third-party sites. Use caution when visiting third-party sites as they will have their own terms and privacy policies.


Content on this site is provided for informational purposes only. We make no warranties or guarantees regarding the accuracy or completeness of content. We are not liable for any damages that may arise from use of this site. Some jurisdictions may not allow disclaimers of implied warranties, so some disclaimers may not apply to you.

Limitation of Liability

We are not liable for any indirect, incidental, special, or consequential damages arising from your use of this site to the fullest extent permitted by law. This includes loss of profits, data, business, or other losses that result from use of this site. Some jurisdictions may not allow certain limitations of liability, so certain limitations may not apply to you.


You agree to defend, indemnify, and hold us harmless from any claims, damages, losses, liabilities, and all costs and expenses of defense, including but not limited to attorneys’ fees, resulting from your violation of these terms to the fullest extent permitted by law.


If any provision of these terms is invalid or unenforceable, the remaining provisions will still be valid and enforceable to the fullest extent permitted by law.


Any failure to exercise our rights under these terms does not waive these rights.

Changes to Terms

We reserve the right to modify these terms at any time. Updated terms will be posted on this page. Visiting or using the site after changes are posted indicates your agreement to the modified terms.

Governing Law

These terms are governed by the laws of the U.S. state of Florida and any disputes shall be handled exclusively in the courts of Florida.

Contact Us

If you have questions about these terms, please contact us at michael@michaelpanzner.com.