Home
Connect with us:
facebook
twitter
youtube
flickr
Monmouth County
GOVERNMENT
Board of Freeholders
Clerk of the Board
County Clerk
Sheriff
Surrogate
Boards & Commissions
Freeholder Meeting Info
County Administrator
County Departments
Competitive Bidding
Elected Officials
Prosecutor
NEWS ROOM
News Releases
News Subscription
Videos
DEPARTMENTS
INFORMATION CENTER
ADA Compliance
County Directory
Hospitals
Libraries
Local News Media
Municipalities
Public Schools
Senior Centers
TOURISM
Calendar of Events
Attractions
Historic Sites
EMPLOYMENT
Human Resources Home
Job Openings
How to Apply
Fingerprint Instructions
New Employee Orientation
CONTACT US
Email a Freeholder's Office
Directions
County Phone Directory
Courthouse
Employee Services
Monmouth County Planning Board Reports & Data
Community Development
2017 MCFHB Member List
FY2017 Homebuyer Packet
Public Notice 2016 Caper
FY2016 CAPER
MCFHB Meeting Dates 2017
MCFHB Members 2017
CD_First Time Homebuyer Packet_FY2017
Notice of Public Comment Period FY2017
HOME Substantial Amendment FY2016
CDBG Substantial Amendment FY2012
Annual Action Plan FY2017
2016 Annual Action Plan
CD Notice of Public Comment Period FY2013,14 &15
CD Home Substantial Amendment FY2015
CDBG Substantial Amendment FY2015
CDBG Substantial Amendment FY2013 & FY2014
MCFB Members 2016
Substantial Amendment to the Monmouth County CD Office Annual Action Plans for FY 2013
2015-2019 Five-Year Consolidated Plan and 2015 Annual Plan
Limited English Proficiency Four Prong Analysis and Language Assistance Plan
CD_12_2015_Substantial Amend Draft
CDBG_11_2015_Notice of Public Comment Period
Draft AAP fy 2016 Public Comment Period ad
Draft Annual Action Plan Fiscal Yr 2016
Substantial Amendments to Community Development's Annual Action Plans for Fiscal years 2008-2014
Monmouth County Strategic Plan to Prevent and End Homelessness (2014)
Amendment to CDBG Annual Action Plan FY2013
Analysis of Impediments to Fair Housing 2011 (as submitted 01-04-12)
Public Notice for Substantial Amendment FY2011
County Master Plan
Master Plan Chapter 12
Appendices - Appendix G
Appendices - Appendix F
Appendices - Appendix E
Appendices - Appendix D
Appendices - Appendix C
Appendices - Appendix B
Appendices - Appendix A
Appendices Project Team and Acknowledgements
Appendices Board of Chosen Freeholders
Appendices Table of Contents
Master Plan Table of Contents
Appendices Title Page
Master Plan Glossary of Terms
Master Plan Project Team and Acknowledgements
Master Plan Board of Chosen Freeholders
Master Plan Title Page
Master Plan Chapter 14
Master Plan Chapter 13
Master Plan Chapter 12
Master Plan Chapter 11
Master Plan Chapter 10
Master Plan Chapter 9
Master Plan Chapter 8
Master Plan Chapter 7
Master Plan Chapter 6
Master Plan Chapter 5
Master Plan Chapter 4
Master Plan Chapter 3
Master Plan Chapter 2
Master Plan Chapter 1
FINAL Master Plan Volume II
FINAL Monmouth County Master Plan Volume I
Monmouth County Master Plan Infographic
Master Plan Project Overview
Consultative Documents Figure
Master Plan Figure 1.5
Master Plan Figure 3.2 Soils
MCPB Resolution 2016-10
Figure 1.3 Documents Incorporated into MP by Reference
Master Plan Figure 4.4
Figure 13.2
Master Plan Figure 12.4
Figure 8.6
Figure 12.5
Figure 12.3
Figure 10.9
Figure 10.8
Figure 10.7
Figure 8.6
Figure 6.3
Figure 6.2
Figure 5.4
Figure 5.1
Figure 3.6
Figure 3.3
Figure 3.1
Master Plan Figure 2.15
Master Plan Figure 2.14
Master Plan Figure 2.13
Master Plan Fiugre 2.11
Master Plan Figure 2.10
Master Plan Figure 2.9
Master Plan Figure 2.7
Master Plan Figure 2.6
Master Plan Figure 2.5
Master Plan Figure 2.4
Master Plan Figure 2.3
Master Plan Figure 2.2
Master Plan Figure 4.1
Master Plan Figure 1.1 Regional Location Map
Figure 11.2
CRS - Sandy
CRS Meeting Minutes 07-13-17
Asset Mapping Flyer v7 26 17-2
Flood Ins legislation
Elevation Certificate checklist
Flood Ins changes effective 4-01-17
Surging Seas Web Tool Presentation
CRS Meeting Minutes 04-13-17
CRS Agenda 041317
Know Your Zone Official Logo
CRS_Are you flood ready - New Jersey Specific
CRS_Seven Best Practices for Risk Communication
CRS FEMA Flyer Retrofitting Flood Prone Residential
CRS Elevation Certificate Checklist 2015
CRS FEMA 55 Course 02-15-17
Important Notices 11-22-16
FEMA Flood Map Appeal Resolution Nov. 2016
CRS Newsletter Sept-Oct 2016
CRS Meeting Minutes 10-13-16
NaCo Award Winner Logo 2016
CRS Meeting Minutes 07-15-16
CRS Checklist for credit under Activity 310 (05-13-16)
CRS Meeting Minutes 04-21-16
CRS Important Notices Updates as of 04-12-16
CRS New Elevation Cert Update 04-12-16
CRS Meeting Agenda 04-21-16
Avon's Flood Damage Prevention Ordinance
CRS Users Group Meeting 01-21-16
CRS Improtant Notices, Updates 03-04-16
Freeholder Resolution 2016-0229
NFIP Fact Sheet Trans Task Force Update 2-19-16
CRS High Watermark Res 2016-0229
CRS Freeholder Res 2014-0201
CRS Page as updated 03-04-16
FEMA Floodproofing Certificate
FEMA Elevation Certificate and Instructions
CRS_FEMA Memo_Claim Review 09-2015
CRS FEMA Memo W-15038
CRS User Group Meeting 07-23-15
FEMA NFIP Insurance Reform Primer 04-07-15
FEMA Emergency Supplies Checklist
Prepare for Emergencies Now: Information to Get Ready
CRS_6. Natural Floodplain Benefits
CRS_4.5. Build_Back_Safer_Stronger
CRS_3.4. Flooding_What to Know_What to Do
CRS_2.3. Why You Need Flood Insurance
CRS_2.3. NFIP TopTen Facts for Consumers
CRS_1.2.3 Hurricane Flooding_Understanding Risk
CRS User Group Guidelines
CodeMaster for Flood Resistant Design
Please review the Closing Comments on the last page for use of this publication
High Water Mark Initiative (Possible CRS credits)
Homeowner Flood Insurance Affordability Act of 2014
Non Conversion Agreement Instructions
CRS_NonConversionAgreement Right to Inspection
CRS_NonConversionAgreement No Inspection
CRS_NonConversionAgreement Annual Inspection
USDA-NRCS Emergency Watershed Protection Program - Floodplain Easement Program 2014
CRS Quick Checklist and Supporting Documents (excel file)
Monmouth Co. Long Term Recovery Group-WR Community Assessments
Mold Guidelines for New Jersey Residents
Understanding Mold Investigations & Remediation
Atlantic Highlands ordinance 04-2013
Highlands ordinance O-13-02
Highlands ordinance O-13-05
Highlands ordinance O-13-18
Keyport ordinance 05-13 (Flood Damage Prevention)
Little Silver ordinance 237-13 Zoning District Regs (Coastal Flood Hazard Area)
Marlboro ordinance 2013-05 Motor Vehicle Service Station (Alternate Energy Source)
Middletown Flood Management Ordinance 2013-3082
Middletown ordinance2013-3089 (zoning regs conformance)
Monmouth Beach ordinance (flood damage prevention & land use)
Monmouth Beach ordinance (definitions & building height limitations)
Neptune Township ordinance 13-11
Sea Bright ordinance 3-2013 (flood damage prevention & land use)
Sea Bright ordinance 1-2013 (definitions)
Sea Bright ordinance 08-2013 (Flood Damage Prevention)
Development Review
DRC Meeting Minutes 09-25-17
DRC Meeting Agenda 10-23-17
DRC Meeting Minutes 09-11-17
DRC Meeting Agenda 10-10-17
DRC Meeting Agenda 09-25-17
DRC Meeting Minutes 08-28-17
DRC Meeting Minutes 08-14-17
DRC Meeting Agenda 09-11-17
DRC Meeting Minutes 07-24-17
DRC Meeting Agenda 08-28-17
DRC Meeting Agenda 08-14-17
DRC Meeting Minutes 07-10-17
DRC Meeting Minutes 06-26-17
DRC Meeting Agenda 07-24-17
DRC Meeting Agenda 07-10-17
DRC Meeting Minutes 06-12-17
DRC Meeting Agenda 06-26-17
DRC Meeting Minutes 05-22-17
DRC Meeting Minutes 05-22-17
DRC Meeting Agenda 06-12-17
DRC Meeting Minutes 05-08-17
DRC Meeting Agenda 05-22-17
DRC Meeting Minutes 04-24-17
DRC Meeting Minutes 04-10-17
DRC Meeting Minutes 03-27-17
DRC Meeting Agenda 05-08-17
DRC Meeting Agenda 04-24-17
DRC 1st quarter application 2017
DRC 4th quarter application 2016
DRC Meeting Agenda 04-10-17
DRC Meeting Minutes 03-13-17
DRC Meeting Minutes 02-27-17
DRC Meeting Agenda 03-27-17
DRC Meeting Minutes 02-13-17
DRC Meeting Agenda 03-13-17
DRC Meeting Agenda 02-27-17
DRC Meeting Minutes 01-23-17
DRC Members 2017
DRC Meeting Agenda 02-13-17
DRC Meeting Minutes 01-09-17
DRC Meeting Schedule 2017
DRC Meeting Minutes 12-12-16
DRC Meeting Agenda 01-23-17
DRC Meeting Agenda 01-09-17
DRC Revised Meeting Schedule 2016
DRC Meeting Minutes 11-28-16
DRC Meeting Minutes 11-14-16
DRC Meeting Minutes 10-24-16
DRC Meeting Minute 10-11-16
DRC Meeting Minutes 09-26-16
DRC 3rd Quarter Applications 2016
DRC 2nd quarter applications 2016
DRC 2nd Quarter Applications 2016
DRC Meeting Minutes 09-12-16
DRC Meeting Minutes 08-22-16
DRC Meeting Minutes 08-08-16
DRC Meeting Minutes 07-25-16
DRC Meeting Minutes 07-11-16
DRC Meeting Minutes 06-27-16
DRC Meeting Minutes 06-13-16
DRC Meeting Minutes 05-23-16
DRC Meeting Minutes 05-09-16
DRC Meeting Minutes 04-25-16
DRC Meeting Minutes 04-11-16
Road Widening Deed of Dedication
DRC 1st quarter applications 2016
DRC 4th quarter applications 2015
DRC Meeting Minutes 03-28-16
DRC Meeting Minutes 03-14-16
DRC Meeting Minutes 02-22-16
DRC Meeting Minutes 02-08-16
DRC Meeting Minutes 01-11-16
DRC Members 2016
DRC Members 2016
2014 Annual Action Plan
MP_5.0 Farmland Preservation Recommendation Summaries
DR_Deed of Dedication Road Widening_2015
BridgeMap_1986
Bridge Map
Monmouth County Bridge Map
Subdivision Application
Site Plan Application
Monmouth County Road Plan Text Image
Monmouth County Road Plan Text (October 2012)
Monmouth County Road Plan Map (October 2012)
MC Draft Road Plan - Public Notice
MC Draft Road PlanText and Schedule (PDF)
MC Draft Road Plan Map (PDF)
Development Regulations Volume 1
Development Regulations Volume 2
Development Review Fee Schedule (Updated January 2013)
Site Plan Application
Subdivision Application
Performance Surety Bond
Letter of Credit
Signature & Acknowledgement
Bridge & Culvert Deed
Drainage & Easement Deed
Power Company Easement Deed
Road ROW Easement Deed
Sight Triangle Easement Deed
Slope Easement Deed
Temporary Construction Easement Deed
Traffic Signal Deed
Environmental Sustainability
ARC Meeting Cancellation 10-04-17
MCEC Meeting Minutes 06-01-17
ARC Meeting Agenda 09-06-17
STAC Members 2017
ARC Members 2017
2017 MCADB Member Listing
MCEC Members 2017
ARC Meeting Cancellation 08-02-17
MCADB Notice of Executive Session 07-11-17
ARC Meeting Agenda 07-05-17
Bayshore Dune Planting Photo Gallery
MCEC Meeting Minutes 050417
ARC Meeting Schedule 2017
ARC Meeting Cancellation_060717
ARC Meeting Minutes 030117
ARC Meeting Minutes 020117
WMP Monmouth County PostAdopt041113 Amendments
MCEC Meeting Minutes 040617
ARC Meeting Agenda 050317
MCADB Meeting Agenda 05-02-17
MCEC Meeting Minutes 030917
Eco-Tips Problem Geese
Eco-Tips Hydroponic
JLUS Public Meeting 03-28-17
MCADB Meeting Cancellation 04-04-17
MCEC Hydroponics Flyer 03-29-17
MCEC Meeting Minutes 02-02-17
ARC Meeting Cancellation 04-05-17
MCEC Meeting Dates 2017
MCEC Members 2017
MCADB Archive File Directory 2017
MCADB Dec. 2016 Map
MCADB Non-Binding Interested Landowner Form
MCADB Members 2017
ARC Meeting Agenda 03-01-17
MCADB Accomplishments 2016
ARC Meeting Minutes 10-05-16
ARC Meeting Minutes 12-07-16
MCEC Meeting Minutes 12-01-16
MCEC Meeting Agenda 02-02-17
ARC Meeting Agenda 02-01-17
MCADB Meeting Dates 2017
ARC Meeting Cancellation 01-04-17
MCEC Meeting Minutes 11-03-16
MCEC Meeting Agenda 12-01-16
MCEC Meeting Minutes 10-06-16
MCEC Meeting Agenda 11-03-16
ARC Meeting Cancellation 11-02-16
MCADB Meeting Cancellation 11-01-16
MCADB Meeting Cancellation
MCEC Meeting Minutes 09-01-16
MCEC Meeting Minutes June 2, 2016
MCEC Meeting Agenda 10-06-16
MCEC Newsletter October 2016
ARC Meeting Agenda 10-05-16
MCADB Executuve Session Notice 10-04-16
ARC Meeting Cancellation 09-07-16
Future Wastewater Service Area Map, Jan. 2016
ARC Meeting Cancellation 08-03-16
ARC Meeting Cancellation 07-06-16
MCEC Meeting Minutes 05-06-16
MCEC Meeting Agenda 06-02-16
MCADB Meeting Agenda 06-07-16
ARC Meeting Cancellation 06-01-16
MCEC Meeting Minutes 04-07-16
MCEC Meeting Minutes 03-03-16
MCEC Meeting Agenda 05-05-16
ARC Meeting Cancellation 05-04-16
MCEC Agenda 04-07-16
ARC Meeting Cancellation 04-06-16
SSAMP Request Form
Farmland Pres Conflict Resolution Form
MCEC Meeting Minutes 02-04-16
MCEC Agenda 03-03-16
MCEC Meeting Minutes 12-03-16
MCEC Meeting Schedule 2016
ARC Meeting Schedule 2016
MCEC Agenda 02-04-16
MCEC Members 2016
ARC Meeting Agenda 02-03-16
MCADB Meeting Cancellation 02-02-16
STAC Members 2016
ARC Meeting Agenda 050317
Monmouth Co. DEP Adopted Amendment letter & Public Notice
Monmouth County Farmland Preservation Plan (2008)
NJ Agricultural Mediation Program Form
Preserved Farmland Sign-Order Form
Eco-Tips Dune Protection
EcoTips Energy
Eco-Tips Lawn & Garden
Eco-Tips Plant Invaders
Eco-Tips Problem Geese
EcoTips Rain Garden
Eco-Tips Stormwater Management
Eco-Tips Stream Corridor Protection
Eco-Tips Tree Preservation
Eco-Tips Watershed
Ramanessin FY2007 319 Proposal pdf - Revised 01-09-07
Ramanessin Brook Impact Study
MCADB Meeting Minutes 08-07-13
MCADB Meeting Minutes 07-10-13
MCADB Meeting Minutes 06-05-13
MCADB Meeting Minutes 05-01-13
MCADB Meeting Minutes 04-03-13
MCADB Meeting Minutes 03-06-13
MCADB Meeting Minutes 01-09-13
MCADB Meeting Minutes 12-05-12
MCADB Meeting Minutes 09-05-12
MCADB Meeting Minutes 08-01-12
MCADB Meeting Minutes 06-06-12
MCADB Meeting Minutes 05-02-12
MCADB Meeting Minutes 04-04-12
MCADB Meeting Minutes 03-07-12
MCADB Meeting Minutes 02-01-12
MCADB Meeting Minutes 12-07-11
MCADB Meeting Minutes 11-02-11
MCADB Meeting Minutes 10-05-11
MCADB Meeting Minutes 08-03-11
MCADB Meeting Minutes 07-06-11
MCADB Meeting Minutes 06-01-11
MCADB Meeting Minutes 05-04-11
MCADB Meeting Minutes 04-06-11
MCADB Meeting Minutes 03-02-11
MCADB Meeting Minutes 02-02-11
MCADB Meeting Minutes 11-03-10
MCADB Meeting Minutes 10-06-10
MCADB Meeting Minutes 09-01-10
MCADB Meeting Minutes 08-04-10
MCADB Meeting Minutes 07-07-10
MCADB Meeting Minutes 06-02-10
MCADB Meeting Minutes 05-05-10
MCADB Meeting Minutes 03-03-10
MCADB Meeting Minutes 02-03-10
MCADB Meeting Minutes 12-02-09
MCADB Meeting Minutes 11-04-09
MCADB Meeting Minutes 10-07-09
MCADB Meeting Minutes 08-05-09
MCADB Meeting Minutes 07-01-09
MCADB Meeting Minutes 06-03-09
MCADB Meeting Minutes 05-06-09
MCADB Meeting Minutes 04-01-09
MCADB Meeting Minutes 02-04-09
MCADB Meeting Minutes 01-07-09
JLUS for NWS Earle
Preliminary Rocommendations 09-27-17
JLUS Open House Flyer 09-27-17
NWS Earle JLUS Study Fact Sheet
Maps
List of Preserved Farms as of 11/30/2015
List of MCADB Preserved Farms as of 11/30/2015
Growth Management Guide Monmouth County, 1982
General Development Plan 1969-1985
Study of Land Use and Physical Characteristics, 1967
1982 Monmouth County Growth Management Guide Map
1969 Monmouth Co General Development Plan Map
Directions to County Offices (Updated July 2012)
2012 Preserved Farmland Map
MCPB Directions 2011
Monmouth County Map
Planning Board
2017 Merit Award Notice
MCPB Merit Ward Application 2017
MCPB Notice of Meeting Time Change 08-21-17
MCPB 2017 Meeting Dates Revised
MCPB_Meeting Cancellation_071717
2017 Profile - Final
2017 Profile
MCPB Members 2017
Elements of the Growth Management Guide
Wastewater Management Plan Map (February 2012)
Wastewater Management Plan Full Text (February 2012)
Bayshore Trail System Design Manual (1993)
Bayshore Waterfront Access Plan (1987)
Land Use in the Swimming & Manasquan River Reservoir Watersheds (1985)
Resolution No.17 Creating the Monmouth County Planning Board
2006 Monmouth County Open Space Plan
2006 Monmouth County Open Space Plan Map
MCPB Meeting Minutes 11-18-13
MCPB Meeting Minutes 10-21-13
MCPB Meeting Minutes 09-16-13
MCPB Meeting Minutes 08-19-13
MCPB Meeting Minutes 07-15-13
MCPB Meeting Minutes 06-17-13
MCPB Meeting Minutes 05-20-13
MCPB Meeting Minutes 04-15-13
MCPB Meeting Minutes 03-18-13
MCPB Meeting Minutes 02-19-13
MCPB Meeting Minutes 01-22-13
MCPB Meeting Minutes 08-20-12
MCPB Meeting Minutes 07-16-12
MCPB Meeting Minutes 06-18-12
MCPB Meeting Minutes 09-20-10
MCPB Meeting Minutes 08-16-10
MCPB Meeting Minutes 07-19-10
MCPB Meeting Minutes 06-21-10
MCPB Meeting Minutes 05-17-10
MCPB Meeting Minutes 04-15-10
MCPB Meeting Minutes 03-15-10
MCPB Meeting Minutes 02-16-10
MCPB Meeting Minutes 01-19-10
MCPB Meeting Minutes 12-21-09
MCPB Meeting Minutes 11-16-09
MCPB Meeting Minutes 10-19-09
MCPB Meeting Minutes 08-17-09
MCPB Meeting Minutes 07-20-09
MCPB Meeting Minutes 06-15-09
MCPB Meeting Minutes 05-18-09
MCPB Meeting Minutes 04-20-09
MCPB Meeting Minutes 03-16-09
MCPB Meeting Minutes 02-17-09
MCPB Meeting Minutes 01-20-09
GMG Cover
2012 MC Profile Cover Image
Reports & Special Studies
At-A-Glance 2017
2016 Profile Report
2016 At-A-Glance
2016 Monmouth County At-A-Glance
2016 At-A-Glance Cover
MCPB At-A-Glance Cover 2016
MCPB At-A-Glance 2016
Measuring Monmouth County's Creative Economy
Monmouth County Historic Sites Inventory 4-30-2014
The Brownfields Redevelopment Handbook: A Step-by-Step Guide for Municipalities
2009 Demographics & Economics Statistics Report
Monmouth County Population 1910-2000
Strategic & Long Range
MC Profile Cover 2016
Panhandle Region Plan
Planning Outreach Brochure Vol. 1
Planning Outreach Brochure Vol. 2
Planning Outreach Brochure Vol. 3
Planning Outreach Brochure Vol. 4
Planning Outreach Brochure Vol. 5
Bayshore Region Plan
Coastal Monmouth Plan Vol.1 Regional Profile
Coastal Monmouth Plan Vol. 2 The Plan
Coastal Monmouth Plan Vol. 3 Appendix
Coastal Monmouth Plan Vols.1-3
Coastal Monmouth Plan Study Area Map
Panhandle Region Plan Draft Final Plan
Western Monmouth Development Plan Final
Western Monmouth Development Plan Corridor
Western Monmouth Development Plan Alternatives
Western Monmouth Dev. Plan Framework & Guidelines
Monmouth County Growth Management Guide, 1995
Monmouth County Scenic Roadway Plan
Entire Report
Scenic Byways Introduction
Scenic Byways Brochure - Program Details
Scenic Byways Narrative Form Template
Transportation
MCTC Member 2017
MCTC Meeting Minutes 06-13-17
MCTC Meeting Minutes 09-12-17
MCTC Meeting Minutes 03-21-17
MCTC Meeting Minutes 05-09-17
MCTC Meeting Agenda 06-13-17
NJT Service Changes for Amtrack Summer Repairs
MCTC Meeting Agenda 05-09-17
MCTC Meeting Agenda 04-18-17
MCTC Meeting Minutes 02-16-17
MCTC Meeting Agenda 03-21-17
MCTC Meeting Minutes 01-10-17
MCTC Meeting Agenda 02-16-17
MCTC Meeting Minutes 10-25-16
MCTC Calendar 2017
MCTC Meeting Minutes 09-13-16
MCTC Meeting Schedule 2016
MCTC Meeting Minutes 04-12-16
MCTC Members updated 10-04-16
MCTC Meeting Agenda 09-13-16
MCTC Meeting Agenda 07-12-16
MCTC Meeting Minutes 03-08-16
MCTC Meeting Minutes 01-12-16
MCTC Meeting Agenda 03-08-16
MCTC Members 2016
MCTC Meeting Agenda 01-12-16
Bus Rapid Transit Opportunities Study final report_2015
2010 Bike Map
2009 Coastal Evacuation Route Study Executive Summary
2009 Coastal Evacuation Route Study Database
2009 Coastal Evacuation Route Study
Roundabouts & Emissions
Division of Planning
Monmouth County Master Plan
Community Rating System (NFIP CRS Program)
Monmouth County Planning Board
Committees & Councils
Administration
Community Development
Development Review
Environmental Sustainability Planning
Geographic Information Systems
Strategic & Long Range Planning
Transportation Planning
Areawide Water Quality Management Program
Calendar
Directions & Hours
Reports & Special Studies
Document Index
JLUS for NWS Earle
Copyright © 2011
Monmouth County
, NJ. All Rights Reserved.
Privacy Policy and Disclaimer