Copyright / Disclaimer

Copyright Notice

© Chris Richards and Associates 2012.

The material on this website is protected by copyright under the laws of Australia and, through international treaties, other countries.

You may view this website and its contents using your web browser and save an electronic copy, or print out a copy, of parts of this website solely for your own information, research or study: but only if you (a) do not modify the copy from how it appears unless expressly authorised by Chris Richards and Associates and then only in accordance with Chris Richards and Associates' conditions; and (b) include the copyright notice "© Chris Richards and Associates" on the copy.

You must not reproduce, frame, transmit (including broadcast), adapt link to or otherwise use any of the material on the site, including audio and video excerpts, except as expressly permitted by a current Links Agreement with Chris Richards and Assocaites, by statute or with Chris Ricahrds and Associates' prior written consent.

Third party sites

This website contains links to third party sites. Chris Richards and Associates is not responsible for the condition or the content of those sites as they are not under Chris Richards and Associates control. The link(s) are provided solely for your convenience and do not indicate, expressly or impliedly, any endorsement of the site(s) or the products or services provided there. You access those sites and use their products and services solely on your own risk.

This website contains advertisements for products and/or services provided by third parties. Chris Richards and Associates is not responsible for the products or the prices of those products which are advertised.

The use of a trademark on this site is not intended to indicate any association with or endorsement by the owner of that trademark.

Disclaimer

This publication is intended as a first point of reference and should not be relied upon as a substitute for expert advice. Expert advice should always be sought in relation to any particular circumstances and no liability will be accepted for any losses incurred by those relying solely on this publication.

In compiling the information contained on, and accessed through, this website ("Information") Chris Richards and Associates has used its best endeavors to ensure that the Information is correct and current at the time of publication but takes no responsibility for any error, omission or defect therein.

To the extent permitted by law, Chris Richards and Associates and its employees, agents and consultants exclude all liability for any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, the Information whether or not caused by any negligent act or omission. If any law prohibits the exclusion of such liability, Chris Richards and Associates limits its liability to the extent permitted by law, to the re-supply of the Information.

When you send us any feedback or suggestions in relation to Chris Richards and Associates website, you agree that we can use any ideas, concepts, or techniques contained in the feedback or suggestions. When you participate in any chat sites, forums or other activities involving the publication of materials that you provide in the public forum, you agree that we can reproduce, use and distribute those materials.

Applicable Law

This website (excluding any linked third party sites) is controlled by Chris Richards and Associates. By accessing this site, you accept that any disputes about this website or its contents are to be determined by the courts having jurisdiction in Victoria, Australia in accordance with the laws in force in Victoria, Australia (except any principle of conflict of laws inconsistent with this requirement).

This website may be accessed throughout Australia and overseas. Chris Richards and Associates makes no representation that the content of this website complies with the laws (including intellectual property laws) of any country outside Australia. If you access this site from outside Australia, you do so, on your own responsibility and are responsible for ensuring compliance with all laws in the place where you are located.