Aquatic Attorney Logo
Drowning & Aquatic Injury Law Firm
Schedule A Call Here
Free Consultations 24/7
Menu

Serving States Nationwide - Pool Accident Attorneys

Our team of experienced pool accident lawyers is available for victims and their families in various states nationwide. Here is a compiled list of all the states our aquatic attorneys currently serve.

Contact our law firm today for a free case consultation; our legal team is ready to answer your questions and provide you with legal options. 

"Its unimaginable. Let's make sure it never happens again" - Mike Haggard

Pool Drowning Lawyer Georgia

Georgia pool drowning lawyers are dedicated to helping victims and their families seek justice in cases of negligence leading to tragic accidents. With experience in premises liability, they ensure responsible parties are held accountable for unsafe pool conditions.

Pool Drowning Lawyer Colorado

Colorado drowning attorneys specialize in addressing the legal complexities of pool accidents, from negligent supervision to inadequate safety measures. They work tirelessly to secure compensation for victims and prevent future tragedies.

Pool Drowning Lawyer Minnesota

Minnesota pool accident lawyers provide compassionate support and skilled representation for families affected by drowning incidents. Their focus is on holding negligent parties accountable and obtaining fair compensation for losses.

Pool Drowning Lawyer South Carolina

South Carolina attorneys are experienced in navigating pool accident claims, including cases involving public and private pools. They advocate for victims’ rights under the state’s premises liability laws to ensure justice is served.

Pool Drowning Lawyer Kansas

Kansas pool drowning lawyers offer comprehensive legal assistance to families impacted by drowning accidents. They investigate negligence and work to secure financial recovery for medical expenses, pain, and suffering.

Pool Drowning Lawyer Arizona

Arizona attorneys bring extensive experience in handling pool accident cases, a critical need in a state with high swimming pool usage. They fight for justice on behalf of victims injured due to unsafe conditions or negligence.

Pool Drowning Lawyer Nevada

Nevada pool accident lawyers are skilled in addressing cases involving resorts, private pools, and waterparks. Their experience ensures that victims receive the compensation they deserve for injuries or wrongful deaths.

Pool Drowning Lawyer Florida

Florida pool drowning lawyers handle a high volume of cases in a state known for its abundance of pools. They specialize in premises liability and product safety to protect victims’ rights and promote safer practices.

Pool Drowning Lawyer Alabama

Alabama attorneys provide dedicated legal support for families affected by devastating pool accidents. They focus on uncovering negligence and ensuring accountability under state safety regulations.

Pool Drowning Lawyer Mississippi

Mississippi pool drowning lawyers are committed to helping victims recover from the emotional and financial toll of accidents. They pursue claims against negligent property owners and operators to achieve justice.

Pool Drowning Lawyer Louisiana

Louisiana attorneys understand the unique challenges of pool accident cases, including those involving public facilities. They work diligently to hold responsible parties accountable and secure fair compensation for families.

Pool Drowning Lawyer Arkansas

Arkansas pool accident lawyers assist families in navigating the legal aftermath of drowning incidents. Their experience includes investigating negligence and advocating for victims’ rights under state law.

Pool Drowning Lawyer Texas

Texas drowning attorneys specialize in complex cases involving private pools, public facilities, and commercial properties. They strive to hold negligent parties accountable while securing maximum compensation for victims.

Pool Drowning Lawyer Oklahoma

Oklahoma attorneys are skilled at handling drowning cases involving unsafe conditions or inadequate supervision. They provide compassionate representation to help families seek justice during difficult times.

Pool Drowning Lawyer New Mexico

New Mexico pool accident lawyers focus on achieving justice for victims of drowning incidents caused by negligence. Their experience ensures thorough investigations and strong advocacy for affected families.

Pool Drowning Lawyer California

California attorneys handle a significant number of pool-related injury and fatality cases each year. They are experienced in navigating the state’s complex premises liability laws to protect victims’ rights.

Pool Drowning Lawyer Utah

Utah pool accident lawyers offer dedicated support to families dealing with the aftermath of tragic incidents. Their goal is to ensure accountability and secure fair compensation for injuries or losses.

Pool Drowning Lawyer Missouri

Missouri attorneys provide skilled representation in cases involving swimming pool accidents caused by negligence. They work tirelessly to hold property owners accountable and obtain justice for victims.

Pool Drowning Lawyer Illinois

Illinois drowning lawyers advocate for victims injured due to unsafe swimming conditions or negligent supervision. They specialize in recovering damages to help families rebuild after tragic accidents.

Pool Drowning Lawyer Tennessee

Tennessee attorneys bring experience in handling complex legal claims related to pool accidents. Their focus is on achieving justice while promoting safer practices across the state.

Pool Drowning Lawyer Kentucky

Kentucky drowning lawyers assist families affected by tragic swimming incidents through compassionate legal representation. They aim to hold negligent parties accountable under the state’s premises liability laws.

Pool Drowning Lawyer Indiana

Indiana attorneys are experienced in managing claims involving private pools, public facilities, and waterparks. They strive to secure compensation while advocating for improved safety measures statewide.

Pool Drowning Lawyer West Virginia

West Virginia lawyers provide experienced guidance in navigating personal injury or wrongful death claims stemming from pool accidents. Their dedication ensures that victims receive the support they need during challenging times.

Pool Drowning Lawyer North Carolina

North Carolina attorneys specialize in handling swimming pool accident cases with care and precision. They advocate for accountability and fair compensation under the state’s premises liability laws.

Pool Drowning Lawyer Virginia

Virginia drowning lawyers offer professional legal assistance to families impacted by swimming accidents caused by negligence. Their goal is to secure justice while promoting safer practices at pools statewide.

Pool Drowning Lawyer Maryland

Maryland attorneys bring extensive knowledge of local laws governing swimming pools to help victims pursue claims effectively. They work diligently to ensure accountability and fair financial recovery for affected families.

Pool Drowning Lawyer Delaware

Delaware lawyers provide compassionate representation for families dealing with the aftermath of tragic pool incidents. Their experience ensures thorough investigations into negligence and strong advocacy for justice.

Pool Drowning Lawyer New Jersey

New Jersey pool accident attorneys are well-versed in handling cases involving both private and public swimming facilities. They work diligently to ensure victims receive fair compensation while advocating for improved safety standards across the state.

Pool Drowning Lawyer New York

New York drowning lawyers bring extensive experience to complex pool accident cases in urban and suburban settings. They focus on holding negligent parties accountable and securing just compensation for victims and their families.

Pool Drowning Lawyer Massachusetts

Massachusetts attorneys specializing in pool accidents provide comprehensive legal support to families affected by drowning incidents. Their experience covers a wide range of cases, from residential pools to public aquatic facilities.

Pool Drowning Lawyer Pennsylvania

Pennsylvania pool drowning lawyers offer skilled representation in cases involving negligence and unsafe conditions. They are committed to securing justice for victims while promoting stricter safety measures throughout the state.

Pool Drowning Lawyer Connecticut

Connecticut attorneys bring a wealth of knowledge to pool accident cases, addressing issues from inadequate supervision to faulty equipment. They strive to obtain fair settlements while advocating for enhanced pool safety regulations.

Pool Drowning Lawyer Rhode Island

Rhode Island pool accident lawyers provide dedicated legal assistance to families impacted by drowning incidents. Their focus is on thorough investigations and strong advocacy to ensure responsible parties are held accountable.

Pool Drowning Lawyer New Hampshire

New Hampshire attorneys specializing in pool drowning cases offer compassionate support and legal guidance. They work tirelessly to secure compensation for victims while promoting safer swimming environments across the state.

Pool Drowning Lawyer Vermont

Vermont pool drowning lawyers bring specialized knowledge to cases involving both private and public swimming facilities. Their goal is to achieve justice for victims while encouraging improved safety standards statewide.

Pool Drowning Lawyer Maine

Maine attorneys offer legal representation for families affected by pool accidents and drowning incidents. They focus on uncovering negligence and securing fair compensation to help victims and their families recover.

Pool Drowning Lawyer Ohio

Ohio pool accident lawyers provide comprehensive legal support in cases involving negligence at public and private swimming facilities. They work diligently to hold responsible parties accountable and obtain just compensation for victims.

Pool Drowning Lawyer Michigan

Michigan attorneys specializing in pool drowning cases bring extensive experience to help families navigate complex legal proceedings. They focus on securing fair settlements while advocating for stricter safety measures across the state.

Pool Drowning Lawyer Wisconsin

Wisconsin pool accident lawyers offer dedicated representation to victims of drowning incidents and their families. Their experience ensures thorough investigations and strong advocacy in pursuit of justice and compensation.

Pool Drowning Lawyer Iowa

Iowa attorneys provide skilled legal assistance in cases involving pool accidents and drownings. They work to hold negligent parties accountable while seeking fair compensation for victims and promoting safer swimming environments.

Pool Drowning Lawyer South Dakota

South Dakota pool drowning lawyers offer compassionate support and legal guidance to families affected by tragic accidents. They focus on uncovering negligence and securing just compensation for victims.

Pool Drowning Lawyer North Dakota

North Dakota attorneys specializing in pool accident cases bring dedicated representation to victims and their families. They work tirelessly to ensure accountability and fair compensation while advocating for improved safety standards.

Pool Drowning Lawyer Nebraska

Nebraska pool drowning lawyers provide comprehensive legal support in cases involving negligence at swimming facilities. Their goal is to secure justice for victims while promoting safer practices across the state.

Pool Drowning Lawyer Wyoming

Wyoming attorneys offer guidance in navigating the legal complexities of pool accident cases. They focus on holding responsible parties accountable and obtaining fair compensation for affected families.

Pool Drowning Lawyer Montana

Montana pool accident lawyers bring specialized knowledge to cases involving both public and private swimming facilities. They work diligently to uncover negligence and secure just compensation for victims and their families.

Pool Drowning Lawyer Idaho

Idaho attorneys provide dedicated legal representation for families impacted by pool drowning incidents. Their experience ensures thorough investigations and strong advocacy in pursuit of justice and fair compensation.

Pool Drowning Lawyer Oregon

Oregon pool drowning lawyers offer comprehensive legal support to victims of swimming accidents caused by negligence. They strive to hold responsible parties accountable while advocating for improved safety measures statewide.

Pool Drowning Lawyer Washington

Washington attorneys specializing in pool accident cases bring extensive experience to help families navigate complex legal proceedings. Their focus is on securing fair settlements and promoting stricter safety standards across the state.

Pool Drowning Lawyer Washington DC

Washington DC pool drowning lawyers provide legal assistance in cases involving negligence at public and private swimming facilities. They work tirelessly to ensure victims receive just compensation while advocating for enhanced safety regulations.

Frequently Asked Questions

What should I do immediately after a pool drowning incident occurs? +

Immediate action is critical in pool drowning situations. First, call emergency services right away—do not delay. If the person is out of the water, begin CPR if trained, focusing on rescue breathing since water aspiration is common. Keep the victim warm and monitor their breathing until paramedics arrive. Even if the person appears to recover, seek medical evaluation immediately, as secondary drowning can occur hours later. Document everything you witnessed, including water conditions, supervision levels, and any safety failures. This information becomes essential if legal action becomes necessary to hold negligent parties accountable for the tragedy.

Can I file a lawsuit if someone drowned in a pool due to negligence? +

Yes, pool drowning cases often involve premises liability claims when negligence contributed to the tragedy. Property owners and operators have a legal duty to maintain safe conditions, provide adequate supervision, and ensure proper safety equipment. Negligence might include missing lifeguards, broken drains, inadequate fencing, or failure to enforce safety rules. Aquatic Attorney has successfully represented families in pool drowning cases across multiple states, including Georgia, Colorado, Minnesota, South Carolina, and Kansas. Each case is unique, so consulting with an experienced attorney who understands drowning liability is essential to understand your legal options and potential compensation.

What is secondary drowning and how does it relate to pool accidents? +

Secondary drowning, also called dry drowning, occurs when water enters the lungs after a pool incident, causing inflammation and breathing problems hours or even days later. Victims may appear fine initially but develop respiratory distress, coughing, or lethargy. This delayed response makes medical evaluation critical even after apparent recovery from a pool drowning incident. Symptoms include difficulty breathing, chest pain, or behavioral changes. If negligent supervision or unsafe pool conditions contributed to the initial incident, property owners may be held liable for resulting injuries or death. Always seek immediate medical attention following any water-related emergency, and document all circumstances surrounding the pool drowning for potential legal claims.

How long do I have to file a lawsuit after a pool drowning? +

The statute of limitations for pool drowning cases varies by state and typically ranges from two to four years from the date of the incident. However, some states allow extended timeframes for minors or cases involving wrongful death. Waiting too long can result in lost evidence, faded witness memories, and inability to pursue compensation. Aquatic Attorney recommends contacting a pool accident lawyer promptly after a drowning to preserve evidence and understand your state's specific deadlines. Acting quickly also allows investigators to document pool conditions, review surveillance footage, and interview witnesses while details remain fresh. Don't delay—early legal consultation protects your rights and strengthens your case.

What types of compensation can families receive in pool drowning cases? +

Families affected by pool drowning may recover various damages including medical expenses, funeral and burial costs, lost wages, pain and suffering, and loss of companionship. In wrongful death cases, compensation can be substantial, reflecting the victim's lost earning potential and the family's emotional devastation. Punitive damages may apply if the property owner's negligence was particularly egregious. Each case's value depends on factors like the victim's age, earning capacity, and degree of negligence involved. Aquatic Attorney works with families to calculate fair compensation that reflects the full impact of their loss. An experienced pool accident attorney can evaluate your specific circumstances and pursue maximum recovery from responsible parties.

What constitutes negligence in a pool drowning case? +

Pool drowning negligence occurs when property owners or operators fail to maintain safe conditions or adequate supervision. Common negligence factors include absent or inadequately trained lifeguards, broken or malfunctioning drain systems, missing or defective safety equipment, inadequate fencing or barriers, failure to post warning signs, overcrowding, or lack of CPR-trained staff. Premises liability law requires pool operators to anticipate foreseeable risks and take reasonable precautions. Negligence can also involve allowing intoxicated swimmers, ignoring safety protocols, or failing to enforce rules. Establishing negligence requires demonstrating that the defendant owed a duty of care, breached that duty, and directly caused the drowning. Legal professionals experienced in pool accident cases understand these complex liability standards.

Are public pools held to different safety standards than private pools in drowning cases? +

Public and private pools operate under different regulatory frameworks, but both must maintain safe conditions. Public pools typically face stricter government oversight, including lifeguard requirements, water quality standards, and facility inspections. Private pools have fewer regulations but still carry legal responsibility for reasonable safety measures. However, public pools may have governmental immunity protections that limit liability, requiring specific notice procedures before filing claims. Private pool owners often carry liability insurance but may have fewer regulatory requirements. Despite these differences, both public and private pool drowning cases hinge on whether operators breached their duty of care. Understanding your specific pool type's regulatory environment is crucial for building a strong case.

What evidence is important to collect after a pool drowning incident? +

Critical evidence in pool drowning cases includes surveillance footage, witness statements, maintenance records, lifeguard logs, and pool inspection reports. Photograph the scene, document water conditions, and note any missing safety equipment or signage. Obtain the names and contact information of all witnesses immediately. Request medical records and emergency response documentation. Preserve the pool operator's safety protocols and staff training records. Evidence of prior incidents or complaints strengthens negligence claims. Aquatic Attorney advises families to act quickly—evidence can disappear, surveillance footage may be deleted, and memories fade. An experienced pool accident attorney knows what evidence to preserve and how to obtain records through legal discovery. Early intervention protects your ability to build a compelling case.

How do pool drain entrapment cases differ from other pool drowning incidents? +

Drain entrapment occurs when swimmers become trapped against pool drains by suction, a specific hazard addressed by the Virginia Graeme Baker Pool and Spa Safety Act. This federal law requires anti-entrapment drain covers and multiple drain systems to prevent suction-related drownings. Drain entrapment cases involve strict liability—if proper safety equipment wasn't installed, the operator is typically liable regardless of other circumstances. These cases often involve children and can result in rapid drowning. Drain entrapment differs from other pool drowning incidents because the hazard is entirely preventable through proper equipment and maintenance. Families affected by drain entrapment have strong legal grounds for compensation, as operators have clear federal obligations to prevent this specific danger.

What role does supervision play in pool drowning liability? +

Adequate supervision is fundamental to pool safety and a key factor in drowning liability cases. Pools must maintain trained, attentive lifeguards or designated supervisors with clear sightlines and appropriate ratios of staff to swimmers. Supervision failures include absent lifeguards, distracted staff, inadequate training, or excessive swimmer-to-staff ratios. Young children require closer supervision than adults, and operators must enforce rules preventing unsupervised access. Negligent supervision directly contributes to many preventable drownings. Courts recognize that proper supervision could have prevented many tragic incidents. Aquatic Attorney has represented families where inadequate supervision was the primary cause of pool drowning. Establishing supervision failures strengthens premises liability claims and demonstrates the operator's breach of duty to protect swimmers.

Can I sue a hotel or resort if someone drowns in their pool? +

Yes, hotels and resorts can be held liable for pool drowning incidents on their premises. These commercial operators have a heightened duty to maintain safe conditions and provide adequate supervision. They must ensure proper lifeguard staffing, functioning safety equipment, clear signage, and compliance with all safety regulations. Resorts often cater to guests unfamiliar with their facilities, increasing the operator's responsibility to prevent accidents. Liability may extend to inadequate warnings about water depth, hazardous conditions, or lack of CPR-trained staff. Hotels typically carry substantial liability insurance, making compensation more accessible. Aquatic Attorney has successfully pursued claims against hospitality businesses in multiple states. If a loved one drowned at a hotel or resort, consulting an experienced attorney can help determine liability and pursue fair compensation.

What is the difference between a wrongful death claim and a personal injury claim in pool drowning cases? +

Wrongful death claims arise when a pool drowning results in death, allowing family members to recover damages for their loss. Personal injury claims involve non-fatal drowning incidents where the victim survives but suffers injuries. Wrongful death damages typically include funeral expenses, lost earning potential, loss of companionship, and pain and suffering experienced before death. Personal injury claims focus on medical costs, rehabilitation, lost wages, and ongoing care needs. Wrongful death claims usually result in higher compensation due to the permanent loss of life. Both claim types require proving negligence by the pool operator or property owner. Aquatic Attorney represents families in both scenarios, understanding the unique emotional and financial impacts of each situation and pursuing maximum recovery.

How do I prove that a pool operator was negligent in a drowning case? +

Proving negligence in pool drowning cases requires establishing four elements: duty, breach, causation, and damages. First, demonstrate the operator owed a duty of care to swimmers. Second, show they breached that duty through specific failures like inadequate supervision, missing safety equipment, or poor maintenance. Third, establish that the breach directly caused the drowning. Fourth, document resulting damages including medical expenses or wrongful death. Evidence includes witness testimony, maintenance records, surveillance footage, expert analysis, and regulatory violations. Expert witnesses often evaluate whether the operator met industry standards. Aquatic Attorney works with experienced investigators and experts to build compelling negligence cases. Proving negligence requires thorough documentation and legal expertise to connect operator failures to the tragic outcome.

What should I know about comparative negligence in pool drowning cases? +

Comparative negligence laws allow courts to assign responsibility percentages to multiple parties in pool drowning cases. For example, if a swimmer was intoxicated but the pool lacked required lifeguards, both parties may share fault. Most states follow comparative negligence rules where victims can recover damages reduced by their percentage of fault. Some states bar recovery if the victim is more than 50% responsible. This doctrine protects pool operators who can prove the victim contributed to the accident, but it doesn't eliminate operator liability for negligence. Understanding your state's comparative negligence rules is essential—they directly affect potential compensation. Pool operators often argue comparative negligence to reduce liability, making strong legal representation crucial for families seeking fair recovery.

Are there specific regulations pool operators must follow to prevent drowning? +

Yes, pool operators must comply with numerous federal, state, and local regulations designed to prevent drowning. The Virginia Graeme Baker Pool and Spa Safety Act mandates anti-entrapment drain covers and multiple drain systems. States require lifeguard certification, staff training, water quality testing, and safety equipment maintenance. Local codes often specify fencing requirements, signage, emergency equipment, and inspection schedules. Operators must maintain CPR-trained staff and enforce capacity limits. Failure to comply with these regulations constitutes negligence and strengthens liability claims. Aquatic Attorney understands these complex regulatory frameworks across Georgia, Colorado, Minnesota, South Carolina, Kansas, and other states. When operators violate established safety regulations, families have strong grounds for compensation, as violations demonstrate clear breach of duty to protect swimmers.

How long does a pool drowning lawsuit typically take to resolve? +

Pool drowning lawsuits typically take one to three years to resolve, depending on case complexity and whether settlement negotiations succeed. Initial investigation and evidence gathering may take several months. Discovery—exchanging evidence with the defendant—can extend timelines significantly. Some cases settle during mediation within the first year, while others proceed to trial, adding months or years. Factors affecting timeline include the number of parties involved, availability of evidence, expert witness coordination, and court schedules. Wrongful death cases often take longer due to increased complexity. While waiting for resolution is emotionally difficult, rushing settlement can result in inadequate compensation. Aquatic Attorney prioritizes thorough case preparation to maximize recovery, understanding that families need both justice and financial security following devastating pool drowning incidents.

What happens if a pool operator doesn't have liability insurance? +

If a pool operator lacks liability insurance, families can still pursue compensation through personal injury or wrongful death lawsuits, though recovery may be limited. Uninsured operators may have personal assets available for judgment, but collection can be difficult. Some states require operators to maintain minimum insurance coverage, so lack of insurance itself may constitute negligence. Judgment liens can attach to property, and wage garnishment may apply. However, uninsured defendants often cannot satisfy large judgments, making recovery challenging. This is why thorough investigation of the defendant's financial situation is crucial. Aquatic Attorney evaluates all available recovery sources, including insurance, assets, and potential third-party liability. Even without operator insurance, families may recover through other responsible parties or pursue creative collection strategies.

Can I hold a swimming instructor or lifeguard personally liable for a pool drowning? +

Personal liability for swimming instructors or lifeguards in pool drowning cases depends on whether they acted negligently and whether immunity protections apply. Instructors and lifeguards owe swimmers a duty of care and can be held liable for gross negligence or willful misconduct. However, many states provide limited immunity for employees acting within their job scope. The primary liability typically falls on the pool operator or facility owner who hired and supervised the employee. Instructors and lifeguards usually aren't independently insured, making recovery difficult even if negligence is proven. The pool operator remains liable for employee negligence under vicarious liability principles. Aquatic Attorney focuses on holding facility operators accountable, as they have insurance and assets to satisfy judgments. While individual employee liability is possible, pursuing the operator provides the most effective path to compensation.

What should families expect during the legal process after a pool drowning? +

After a pool drowning, families can expect an initial consultation where attorneys gather information about the incident. Investigation follows, including evidence collection, witness interviews, and expert analysis. Your attorney will file a claim, typically against the pool operator's liability insurance. Discovery involves exchanging evidence with the defendant's legal team. Depositions may occur where witnesses provide sworn testimony. Settlement negotiations often happen before trial. If settlement fails, the case proceeds to trial where a judge or jury decides liability and damages. Throughout this process, expect emotional challenges alongside legal proceedings. Aquatic Attorney guides families through each step, handling complex legal matters while allowing families to focus on grieving and healing. Open communication and realistic expectations help families navigate this difficult journey toward justice and compensation.

Are there specific warning signs that a pool has inadequate safety measures? +

Warning signs of inadequate pool safety include missing or poorly maintained lifeguard stations, absent or unclear safety signage, broken or missing drain covers, lack of visible CPR equipment, no emergency phone access, inadequate fencing or gates, overcrowded conditions, and absent staff. Pools lacking visible safety protocols, maintenance schedules, or trained personnel indicate potential negligence. Murky water, malfunctioning filtration systems, or visible structural damage suggest poor maintenance. Parents should observe lifeguard attentiveness, staff-to-swimmer ratios, and enforcement of safety rules. If a pool lacks basic safety infrastructure or trained supervision, it represents a significant drowning risk. Recognizing these warning signs helps prevent tragedies. If a loved one drowned at a facility with obvious safety deficiencies, documenting these failures strengthens legal claims. Aquatic Attorney evaluates whether inadequate safety measures contributed to pool drowning incidents.

Schedule A Free Consultation
Schedule A Call Here
© 2020-2024 The Haggard Law Firm P.A. All rights reserved.

ATTORNEY ADVERTISING. This website is for informational purposes only and should not be considered legal advice. Use of this website does not constitute the formation of an attorney-client relationship. Results may vary from case to case depending on the specific circumstances of the case. Prospective clients may not obtain similar results. Amounts stated within this website are before deductions for fees, cost of attorneys and third party providers such as medical providers.

Our law firm handles aquatic and drowning cases nationally with the assistance of local counsel. 
Our main office is located at: 330 Alhambra Circle, Coral Gables, FL 33134

SitemapDisclaimer / Terms Of Service & Privacy Policy