People Are Culture Disclaimer

The Legalese


Welcome to People Are Culture (PAC). If you continue to use this website you accept compliance with the following terms and conditions of use.

The term People Are Culture, PAC, or ‘us’ or ‘we’ refers to the owner of the website. The term ‘you’ refers to the user or viewer of our website. The use of this website is subject to the following:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

You may not create a link to this website from another website or document without PAC’s prior written consent.


The information contained in this website is for general information purposes only. The information is provided by PAC and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness or accuracy with respect to the website. Any reliance you place on such information is therefore strictly at your own risk.

PAC will not be liable for any loss or damage resulting from the use of this website.

PAC link to other websites which are not under the control of PAC. These links do not imply a recommendation or endorse the views expressed within them.


This website and its content is copyright of People Are Culture – © People Are Culture 2020. All rights reserved.

Any redistribution or reproduction of part or all of the contents in any form is prohibited.

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.


People Are Culture occasionally works with tourism boards in order to obtain access and insights into specific destinations, etc. Sometimes I receive complimentary activities, accommodation, etc. Should I write about these experiences, I will always give an honest and unbiased assessment. No entity I partner with has any input into PAC’s editorial process and product.

Waterstone Advisors LLC Disclosure

Disclosures: Waterstone Advisors, LLC is a Massachusetts registered investment advisor. Registration with securities authorities does not imply a certain level of skill or training. Investing carries risk of loss, including loss of principal. For additional information and disclosures, please see our ADV Part 2 (the "Firm Brochure”) in the Our Approach page of our website at, or contact us at 978-828-2188.

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