Terms of use and disclaimer for Ray Templates website

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Ray Templates offer hundreds of freely downloadable Blogger template contributed by various designers and authors. Anyone can register and download the templates for personal or for commercial use. All users of the site are bound by the following terms and conditions. The term "Ray Templates" implies the owner/s of www.raytemplates.com and "user" refers to anyone visiting our website. Ray Templates reserves the right to change or modify the terms of use any time.

Any template submitted to Ray Templates authorizes us to freely distribute the templates
By submitting templates you agree that you own the rights to submit the template and that it does not in any way violates or infringes others rights
All downloaded templates must keep the authors / promoters links / credits intact.
Ray Templates will not be held liable under any circumstances for any damage or loss arising from the use of the templates downloaded from our website.
Use of the templates is solely at your own risk.