The use of this website is subject to the following terms of use:

• The content of the pages of this website is for your general information and use only and neither the book or this site is an advice tool. It is subject to change without notice.
• This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, certain personal information may be stored by us for use by third parties.
• Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
• Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. This is NOT AN ADVICE site or service. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. Please seek Profesional advice and / or assistance before taking any actions or making any change to your life.
• This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions. It also contains article and material from other authors. Wherever possible original creators have been acknowledged and permission to publish their material has been sought or requested. Should anything herein infringe anyone’s rights please let us know so we may rectify it or remove it.
• All trademarks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
• From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
• Your use of this website and any dispute arising out of such use of the website is subject to the laws of South Africa.