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Terms of Use

Ownership & Copyright and Trademark Notice 

This Site, www.culturalsavvy.com, is owned by Cultural Savvy and Joyce Millet & Associates. This page details the proprietary rights notices and terms of use of this Site, which Cultural Savvy and Joyce Millet & Associates may change at any time without notice. By using this Site, you accept these terms of use.

Copyright © 1999-2017 Cultural Savvy and Joyce Millet & Associates.  All rights reserved.   “Cultural Savvy Is Smart Business" is a logo of Cultural Savvy and Joyce Millet & Associates.  All other trademarks, logos, and service marks on this Site are the property of their respective owners.

Proprietary Rights

All materials and HTML coding on this Site are the property of Cultural Savvy and Joyce Millet & Associates, or others, unless otherwise specified. Without Cultural Savvy and Joyce Millet & Associates prior written permission, you may not copy, modify, display or prepare derivative works based upon the materials on this Site, except that, unless otherwise stated, you may print one copy on one computer for your personal, non-commercial use only, provided you do not delete or change any copyright, trademark and other proprietary notices.

Warranty Disclaimer and Limitation on Liability

All of the information on this Site is provided “as is”, without warranty of any kind, either express or implied.  In no event will Cultural Savvy and Joyce Millet & Associates be liable to any party for any special, indirect, incidental or consequential damages, including without limitation, lost revenues or lost profits, whether incurred by you or a third party, which may result from the use of this Site or any other linked Site, even if we are advised of the possibility of such damages.

This Site may include inaccuracies or typographical errors. Information on this Site and any products or services to which this Site refers may be changed at any time without notice.  Cultural Savvy and Joyce Millet & Associates makes no representations whatsoever about any other web Site that may be accessed through this Site. Such linked Sites are not under the control of Cultural Savvy and Joyce Millet & Associates, and Cultural Savvy and Joyce Millet & Associates. is not responsible for the contents of any linked Site or any link contained in a linked Site or any changes to such Sites. Such links are provided only as a convenience, and the inclusion of a link does not imply Cultural Savvy and Joyce Millet & Associates’ endorsement of the linked Site.

Responsibility for Content

Cultural Savvy and Joyce Millet & Associates  does not screen, edit or review material submitted by users. Cultural Savvy and Joyce Millet & Associates can therefore accept no responsibility or liability for any material that may reside in or is accessed by the Site. Cultural Savvy and Joyce Millet & Associates has no responsibility with respect to other Sites.

You may not link, upload, post or transmit any illegal, obscene, offensive or otherwise inappropriate material to the Site. You agree to indemnify Cultural Savvy and Joyce Millet & Associates  from any damage, loss, cost or expense which may be incurred by Cultural Savvy and Joyce Millet & Associates  as a result of the material you link, upload, post, or transmit to the Site. Cultural Savvy and Joyce Millet & Associates  has no duty to review or edit materials submitted by users. Any such materials may be removed by Cultural Savvy and Joyce Millet & Associates at any time for any reason.

All content is general in nature and is provided for information purposes only. Cultural Savvy and Joyce Millet & Associates reserves the right to change or discontinue at any time any aspect or feature of this Site, without notice, and at the editorial discretion of Cultural Savvy and Joyce Millet & Associates.  In no way should the content be used as a substitute for any form of professional advice. The Content comes from sources believed to be accurate but may contain inaccuracies or typographical errors.  Cultural Savvy and Joyce Millet & Associates  takes no responsibility for the accuracy of the content including that which is provided by third parties.

By using the Site or any Content within the Site, you are agreeing to hold Cultural Savvy and Joyce Millet & Associates harmless and that under no circumstances will the Cultural Savvy and Joyce Millet & Associates, or its affiliates, or any advertiser listed, be responsible for (1) any information contained on or omitted from the Site(s), (2) any person's reliance on any such information, whether or not the information is correct, current or complete, (3) the consequences of any action you or any other person takes or fails to take, whether or not based on information provided by or as a result of the use of the Site. Further, the Cultural Savvy and Joyce Millet & Associates  accepts no responsibility for (4) any person's satisfaction with any Site advertiser, affiliate, or advisor, whether relating to the advertiser's, affiliate’s, or advisor’s competence, diligence, or otherwise, or (5) the results of any advice given by or representation from any Site advertiser, affiliate, advisor, author, or visitor. Cultural Savvy and Joyce Millet & Associates  assumes no liability or responsibility for damage or injury to persons or property arising from any use of any product, information, ideas, or instruction contained in the content of the Site. By submitting communications to any part of this Site, you are solely responsible for your own communications and the consequences of posting those communications.

Third Party Services

You may order services or merchandise through Cultural Savvy and Joyce Millet & Associates from other persons not affiliated with Cultural Savvy and Joyce Millet & Associates  ("Seller"). All matters concerning the merchandise and services desired from Seller, including but not limited to purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between you and Seller. Cultural Savvy and Joyce Millet & Associates  makes no warranties or representations whatsoever with regard to any goods or services provided by Sellers. You will not consider Cultural Savvy and Joyce Millet & Associates nor will Cultural Savvy and Joyce Millet & Associates be construed as a party to such transactions, whether or not Cultural Savvy and Joyce Millet & Associates  may have received some form of revenue or other remuneration in connection with the transaction or be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to the transaction.

The Site contains links to third party web Sites. These links are provided solely as a convenience to you and does not imply any endorsement by Cultural Savvy and Joyce Millet & Associates  of the linked Sites, their content or owners. Cultural Savvy and Joyce Millet & Associates  is not responsible for the content of linked third-party Sites and does not make any representations regarding the content or accuracy of materials on such third-party web Sites. If you decide to access linked third-party web Sites, you do so at your own risk. Your use of third-party web Sites is subject to the Terms & Conditions of use for such Sites. Unless otherwise specifically stated, Cultural Savvy and Joyce Millet & Associates  does not endorse any product or make any representation regarding the content or accuracy of any materials contained in, or linked to, any advertisement on the Site.

Linking to the culturalsavvy.com (Cultural Savvy) Site

Cultural Savvy and Joyce Millet & Associates has no objection to links made from Other Sites to the Cultural Savvy and Joyce Millet & Associates  Site, provided that you comply with the following requirements: (1)     You may not frame or alter the appearance of the Cultural Savvy and Joyce Millet & Associates Site; (2)     You may not state or imply that Cultural Savvy and Joyce Millet & Associates endorses, sponsors or otherwise approves your Site or any Other Sites; and (3)     You must abide by all Cultural Savvy and Joyce Millet & Associates "Terms and Conditions" of use.  

Reproducing Articles & Copyrighted Materials from culturalsavvy.com (Cultural Savvy) Site

We allow reproduction of our articles only if all of the following conditions are met: 

(1)The article retains the original byline and it is clearly identified at the beginning of the article; (2) The main article and any links within remain unchanged, unless you have written permission from us to change them; (3) Copyright and ownership by Cultural Savvy is clearly identified, such as: "Copyright by Cultural Savvy. The original article can be found at: www.culturalsavvy.com. Reprinted with permission." (4) An active link (not just the URL) must accompany #3, so that visitors can click directly to Cultural Savvy;(5)This permission applies to Website reproduction only. For print, please email us for details; (6) You send Cultural Savvy the URLs of any articles reprinted on your site and/or other sites. (7) We reserve the right to refuse permission for publication of our articles.

Privacy Policy

Any information you pass to us is strictly confidential and will only be used by this organization in the way you request.  Your information will never be given or sold to a third party for any reason whatsoever.


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