Copyright, terms of use, credits, email, disclaimer


All information presented at this site is 1996--, by Andrea James. All rights reserved.


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Terms of use

This consumer information is presented on the internet free of charge and may not be used for anything beyond personal use without written consent from the author. Hardcopy or cybernetic redistribution of any portion for profit requires negotiation with the author. Links to this site are welcome, but please do not reproduce text at other sites without permission. This will help ensure that the latest, most accurate information is available to those who seek it.


Due to a much higher volume of questions and comments than I had anticipated, it may be necessary for me to discontinue answering some correspondence in the future. I will continue to do my best to answer mail in a timely manner, but I ask that anyone sending a question make sure that it has not already been answered at this site. All correpondence becomes the property of Your privacy is my utmost concern. Your identifying information and email address will not be shared with anyone for any purpose. If correspondence is incorporated into materials on the site, all identifying information will be removed, and I will make every effort to work with you to ensure your privacy. Email correspondence is also subject to the disclaimer below.


I am a consumer, and my first-hand transition experiences and work in the field of advertising give me some specific insights into consumer issues for women in transition.

The answers in this document are collected from a variety of sources. Despite the authoritative tone of this document, it is presented for educational interest only, not direct advice. It contains opinions, sweeping generalizations, and possibly errors or omissions that could be potentially misleading. I am not a medical, legal, or financial expert, and any information or advice presented here should be verified with a professional in those fields. I make no claim or warranty as to the suitability of the information herein for application to any particular individual. YOU, the reader, take sole responsibility for interpretation and application of this information. Form your own opinions by doing your own research.

Some pages on this site discuss and compare products or services, some of which include affiliate links. You should make a determination on your own if the information presented here is accurate in your case. This information is based on my personal experience or the first-hand experiences of correspondents. I make no claims or guarantees about the veracity or objectivity of these correspondents, although I make every attempt to verify claims and data sent to me by others.

The information presented herein represents the opinions of me or of cited authors, and does not necessarily represent the official views of any organization or corporation.