Am I obligated to accept your terms and conditions, and policies as disclosed on this website?

Yes you are – we believe in structure and also transparency. Such terms and conditions, and policies are industry standards and guidelines that set forth what our relationship is, the service we provide, and legal definitions. All companies have them but not everyone makes them so visible and they are often overlooked or else referred to as “small print”. You should familiarize yourself with them, not only with us but other companies you may be considering, they are there to protect all our interests.