Legal Disclaimer

Terms Of Use and Legal Disclaimer

This Web site is operated by NIEMELA PAPPAS & ASSOCIATES.

All inquiries may be directed to:

1414 K Street Suite 270
Sacramento, CA 95814

Your use of this Web site is governed by these terms and conditions. Please take a few minutes to review these terms and conditions. Your use of the Web site constitutes your agreement to follow these rules and to be bound by them. If you do not agree with any of these terms and conditions, do not use the Web site. These Terms and Conditions May Change NIEMELA PAPPAS & ASSOCIATES reserves the right to update or modify these terms and conditions at any time without prior notice. Your use of the Web site following any such change constitutes your agreement to follow and be bound by the terms and conditions as changed. For this reason, we encourage you to review these terms and conditions each time you use this Web site. Use of Web Site When referring to in this legal notice this is referring also to NIEMELA PAPPAS & ASSOCIATES. The Web site is for the sole use of individuals and entities wishing to review, consider, purchase or otherwise engage in retail transactions involving NIEMELA PAPPAS & ASSOCIATES’s goods and services and/or to otherwise transact business with or contact NIEMELA PAPPAS & ASSOCIATES, on their own behalf (or, in the case of a gift or a corporate transaction, on behalf of their intended recipients). No information concerning the transactional preferences of an individual customer (whether such customer is a person or an entity) can be entered, altered, modified or otherwise affected, by any third party on behalf of such individual customer. In particular, NIEMELA PAPPAS & ASSOCIATES expressly prohibits third parties from opting out of NIEMELA PAPPAS & ASSOCIATES’s services and/or contacts on behalf of a NIEMELA PAPPAS & ASSOCIATES customer or other person or entity, without both (a) NIEMELA PAPPAS & ASSOCIATES’s full knowledge as to the surrogate action being taken and (b) NIEMELA PAPPAS & ASSOCIATES’s express permission. This prohibition is intended to protect the privacy and freedom of NIEMELA PAPPAS & ASSOCIATES’s customers and the personal relationship NIEMELA PAPPAS & ASSOCIATES works to develop with its customers and others authorized to use its site.

Copyright Notice

All of the content you see on this Web site, including, for example, but not limited to, all of the page headers, images, illustrations, graphics, audio clips, video clips, and text (referred to herein as the “Content”) is the exclusive property of NIEMELA PAPPAS & ASSOCIATES and/or is subject to trademark, service mark, trade dress, copyright and/or other intellectual property rights or licenses held by NIEMELA PAPPAS & ASSOCIATES, by one of its affiliates or by third parties who have licensed or assigned their rights, interests and/or materials to NIEMELA PAPPAS & ASSOCIATES. The entire Content of the Web site is copyrighted as a collective work under U.S. and other applicable copyright laws, and NIEMELA PAPPAS & ASSOCIATES owns a copyright in the selection, coordination, arrangement and enhancement of the Content. The Content of the Web site, and the Web site as a whole, are intended solely for the personal and non-commercial use of the users of our site. As such a user, you may download, print and store selected portions of the Content, but only if (1) you use any such copies of the Content only for your own personal and non-commercial use, (2) you do not copy or post the Content on any network computer or broadcast the Content in any media and/or in any form or format, (3) you do not modify or alter the Content in any way, or delete or change any copyright or trademark notice, and (4) you properly credit any intellectual property rights to NIEMELA PAPPAS & ASSOCIATES. No right, title or interest in any downloaded or copied materials are transferred to you as a result of any such downloading or copying. NIEMELA PAPPAS & ASSOCIATES reserves complete title and full intellectual property rights in any Content you download from this Web site. Except as noted above, you may not copy, download, reproduce, modify, publish, distribute, transmit, transfer or create derivative works from the Content without first obtaining the express written permission of NIEMELA PAPPAS & ASSOCIATES.

Notice and Takedown Procedures; Copyright Agent

NIEMELA PAPPAS & ASSOCIATES does not knowingly use any material (images or text) that is copyrighted by others. If you believe any materials accessible on or from this web site infringe your copyright, you may request removal of those materials (or access thereto) from this web site by contacting copyright agent (identified below) and providing the following information: Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work. Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material. Your name, address, telephone number and (if available) e-mail address. A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law. A statement that the information that you have supplied is accurate, and indicating that “under penalty of perjury,” you are the copyright owner or are authorized to act on the copyright owners behalf. A signature or the electronic equivalent from the copyright holder or authorized representative. agent for copyright issues relating to this web site is as follows:

Copyright Agent
Niemela Pappas & Associates
1414 K Street Suite 270
Sacramento, CA 95814

In an effort to protect the rights of copyright owners, the maintains a policy for the termination, in appropriate circumstances, of subscribers and account holders of this web site who are repeat infringers.

All Rights Reserved Notice

NIEMELA PAPPAS & ASSOCIATES is the business name of NIEMELA PAPPAS & ASSOCIATES. All other NIEMELA PAPPAS & ASSOCIATES logo, domain ( and references to this business name on the Web Site are the property of NIEMELA PAPPAS & ASSOCIATES. All rights are reserved. All other trademarks, product and company names, and logos appearing on are the property of their respective owners. Submissions We welcome your comments regarding the Web site. However, any comments, feedback, notes, messages, ideas, suggestions or other communications (collectively, “Comments”) sent to shall be and remain the exclusive property of NIEMELA PAPPAS & ASSOCIATES. Your submission of any such Comments shall constitute an assignment to NIEMELA PAPPAS & ASSOCIATES of all worldwide rights, titles and interests in all copyrights and other intellectual property rights in the Comments. NIEMELA PAPPAS & ASSOCIATES will be entitled to use, reproduce, disclose, publish and distribute any material you submit for any purpose whatsoever, without restriction and without compensating you in any way. For this reason, we ask that you not send us any comments that you do not wish to assign to us, including any confidential information or any original creative materials such as stories, product ideas, computer code or original artwork. Hyperlinks to Other Websites To the extent our Web Site contains hyperlinks to outside services and resources, the availability and content of which NIEMELA PAPPAS & ASSOCIATES does not control, any concerns regarding any such service or resource, or any hyperlink thereto, should be directed to the particular outside service or resource.


This Web site and all contents of this site are provided on an “as is” basis without warranties of any kind, either express or implied, including without limitation warranties of title or implied warranties of merchantability or fitness for a particular purpose. You acknowledge, by your use of this Web site, that your use of this Web site is at your sole risk, that you assume full responsibility for all costs associated with all necessary servicing or repairs of any equipment you use in connection with your use of our Web site, and that NIEMELA PAPPAS & ASSOCIATES shall not be liable for any damages of any kind related to your use of this Web site. From time to time, there may be information on our Web site or in our catalog that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, pricing, and availability. NIEMELA PAPPAS & ASSOCIATES reserves the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice (including after you have submitted your order).


You agree to defend, indemnify and hold NIEMELA PAPPAS & ASSOCIATES harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your use of the site, including, without limitation, your use of this Web site in violation of these Terms of Use.

Governing Law and Jurisdiction

This Web site (excluding linked sites) is controlled by from its office within the state of California, United States of America. By accessing this Web site, you and agree that all matters relating to your access to, or use of, this Web site shall be governed by the statutes and laws of the state of California, without regard to the conflicts of laws principles thereof. You and also agree and hereby submit to the exclusive personal jurisdiction and venue of the Superior Court of the District, Sacramento County and the United States District Court for the California with respect to such matters. makes no representation that materials on this Web site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.


Any changes to this legal notice or privacy policy will be communicated promptly on this page.