Terms and Conditions

Website Usage License

Unless otherwise specified, the intellectual property rights and materials on www.howieb.com are owned by www.howieb.com and its licensors. All intellectual property rights are reserved, except as provided in the following license.

You may view, download, and print pages, files, or other website content solely for personal use, subject to the restrictions detailed below and in the Terms and Conditions.

You must not:

  • Republish website materials in print or digital media or documents (including publishing on another website).
  • Sell, rent, or sublicense website materials.
  • Display website content publicly.
  • Use website materials for commercial purposes.
  • Edit or modify website materials.
  • Redistribute website materials, except for content explicitly made available for redistribution.
  • Republish or reproduce any part of the website through iframes or screenscrapers.

Content available for redistribution may only be shared within your organization.

Acceptable Use

You must not use this website in ways that may harm or hinder the website’s availability or accessibility, or for any illegal, fraudulent, or harmful purposes or activities.

You must not use this website to copy, store, host, transmit, publish, or distribute any malicious computer software or materials associated with it.

Any systematic or automated data collection activities on or related to this website require www.howieb.com’s written consent. This includes scraping, data mining, data extraction, data harvesting, “framing” (iframes), and article “spinning.”

You must not use this website for marketing purposes without www.howieb.com’s written consent.

Restricted Access

Certain website areas may have restricted access. www.howieb.com reserves the right to restrict access to specific areas or the entire website and may modify this policy without notice.

If www.howieb.com provides you with a user ID and password for restricted access, you are responsible for keeping them confidential. www.howieb.com may disable your user ID and password at its discretion without notice or explanation.

User Content

“User content” refers to material (e.g., text, images, audio, video) you submit to this website. By submitting user content, you grant www.howieb.com a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your user content. You also permit www.howieb.com to sublicense these rights and pursue legal action in case of infringement.

User content must not be illegal, infringe on any third party’s rights, or lead to legal action against you, www.howieb.com, or a third party.

www.howieb.com reserves the right to edit or remove any submitted material.

No Warranties

This website is provided “as is” without any representations or warranties. www.howieb.com does not guarantee the website’s constant availability or the completeness, accuracy, or reliability of its information and materials. This website should not be considered a source of advice; consult a professional for legal, financial, or medical matters.

Limitations of Liability

www.howieb.com is not liable for direct loss when using the website free of charge. We are not responsible for indirect, special, or consequential loss, business losses, or any loss of information, data, contracts, or business relationships, regardless of whether www.howieb.com was informed of the potential loss.


This disclaimer doesn’t exclude any warranty implied by law that would be unlawful to limit or exclude, nor does it exclude www.howieb.com’s liability for death, personal injury, fraud, or illegal activities it cannot lawfully limit or exclude.


You agree that the exclusions and limitations of liability in this disclaimer are reasonable. If you disagree, do not use this website.

Other Parties

www.howieb.com’s officers and employees have limited personal liability, and you agree not to bring claims against them for website-related losses.

Unenforceable Provisions

If any provision in this disclaimer is found unenforceable under applicable law, it won’t affect the rest of the provisions.


You agree to indemnify www.howieb.com against losses, damages, costs, liabilities, and expenses arising from your breach of these terms and conditions.

Breaches of these terms and conditions

www.howieb.com may take appropriate actions to address breaches, including suspending access, prohibiting access, blocking IPs, or legal action.


www.howieb.com may revise these terms and conditions; check the website for updates.


www.howieb.com can transfer its rights and obligations without notice. You can’t transfer your rights and obligations under these terms.


If one provision is unenforceable, the others remain in effect. If part of a provision is unenforceable, it is deleted, and the rest remains in effect.

Prohibited Jurisdictions

Individuals, citizens, or entities in “Prohibited Jurisdictions” or representing them are prohibited from using www.howieb.com. “Prohibited Jurisdictions” include specific regions, and www.howieb.com does not advertise products or services there.

Entire Agreement

These terms and conditions and the Privacy Policy constitute the entire agreement between you and www.howieb.com regarding website use, superseding all previous agreements.