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Phillips Consulting Limited hereby states that while you are authorised to view, copy and print this document, this is subject to the following conditions:

The document is used for informational purposes only. It is  also to be strictly used for non-commercial purposes and any copy of this document or portion thereof must include this copyright notice in its entirety.

Note that any program, publication, article, design, product, process, software, technology, information, know-how or idea described in this document may be the subject of other rights, including other intellectual property rights, which are owned by Phillips Consulting Limited or other interested parties and are not licensed to you hereunder.

This document is intended to provide general information on a particular subject or subjects and is not an exhaustive treatment of such subject(s). Accordingly, the information in this document is not intended to constitute legal, accounting, tax, investment, consulting, or other professional advice or services. Before making any decision or taking any action which might affect your personal finances or business, you should consult a qualified professional advisor.

This document and the information contained herein is provided "as is", and Phillips Consulting Limited makes no express or implied representations or warranties regarding this document or the information. Without limiting the foregoing, Phillips Consulting Limited does not warrant that the document or information will be error-free or will meet any particular criteria of performance or quality.
Phillips Consulting Limited expressly disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. You use of this document and information is at your own risk. You assume full responsibility and risk of loss resulting from the use of this document or information. 

Phillips Consulting Limited will not be liable for any special, indirect, incidental, consequential or punitive damages or any other damages whatsoever, whether in an action of contact, stature, tort ( including without limitation, negligence) or otherwise, relating to the use of this document or information.

If any of the foregoing is not fully enforceable for any reason, the remainder shall nonetheless continue to apply.

Phillips Consulting Limited's web site contains links that lead to resources maintained by third parties over whom Phillips Consulting Limited has no control. Phillips Consulting Limited makes no representations or warranties as to the accuracy of, or any other aspect relating to those resources.


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