Terms of Use
Effective October 21, 2026. By using this site you accept these terms.
What This Site Is
This site publishes a free informational guide from Frank Spector Law, LLC.
Use of the Guide
You may read the guide here, download the PDF, and print or share it for personal, non-commercial use, as long as it is not altered and its notices stay attached. You may not republish it, sell it, or present it as your own work.
Intellectual Property
The guide and this site are the property of Frank Spector Law, LLC unless stated otherwise.
No Legal Advice, No Attorney-Client Relationship
This site and the guide are general information, not legal advice for any particular situation. Reading them, or contacting the firm through them, does not create an attorney-client relationship. Please do not send confidential information until a relationship is established in writing.
Third-Party Links
Links to other sites are provided for convenience. The firm does not control and is not responsible for their content.
Availability and Changes
The site may change or become unavailable at any time.
Limitation of Liability
The guide and this site are provided as general information, as is. To the extent Maryland law allows, Frank Spector Law, LLC is not liable for loss arising from reliance on them. Nothing in these terms limits any liability that Maryland law does not allow to be limited.
Governing Law
These terms are governed by the laws of Maryland.
Contact
Frank Spector Law, LLC, 1340 Smith Avenue, Suite 300, Baltimore, MD 21209.