Privacy & Terms of Service

 The following terms and conditions govern all use of the chaddo.com website and all content, services and products available at or through the website, including, but not limited to, the chaddo.com paid service ( Paid Account ), (taken together, the Website). The Website is owned and operated by Arbor Group Associates, Inc. The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, chaddo.com s Privacy Policy) and procedures that may be published from time to time on this Site by chaddo.com (collectively, the  Agreement ).

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the Website, or by purchasing any products or services from Arbor Group Associates, Inc, or by utilizing any of the products or services from Arbor Group Associates, Inc, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by chaddo.com, acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 18 years old.