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Disclaimer | Terms & Conditions | Comments & Privacy Policy

All content provided on this Website is for informational purposes only. The owner of this Website makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. The owner will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information.

Information, documents, articles, posts, comments or any other form of written statement published on this website/blog are the opinions of individual authors and do not necessarily reflect the views of No information on this blog /website will be understood as official. uses the main (pages without the /blog suffix) to express the official opinions and activities of

Links to external sources are not intended as endorsements, on behalf of, of any companies/organizations, products/services offered or views expressed therein.

These terms and conditions of use are subject to change at any time and without notice.

Comments are welcomed and encouraged on this site, but there are some instances where comments will be edited or deleted as follows:

1. Comments deemed to be spam will be deleted. Including a link to relevant content is permitted, but comments should be relevant to the post topic.

2. Comments with links to sites considered spam sites or “bad neighborhoods” will be deleted.

3. Comments including profanity will be deleted.

4. Comments containing language or concepts that could be deemed offensive will be deleted.

5. Comments that attack a person individually will be deleted.

6. Only submit materials for which you hold a copyright.

Comments made on this blog can be personal views. Comments will not be construed as official positions of your company/employer/writer /author, unless stated explicitly.

The owner of this blog /website reserves the right to edit or delete any comments submitted to this blog /website without notice and to take action against any account that violates these rules.

Participants on this blog are fully responsible for everything that they submit in their comments. All comments submitted to this blog are in the public domain.

This comment policy is subject to change at any time without notice.

Please note: The views which are expressed in the comments areas are not our views, nor the views of any of our staff or our related entities. We accept no liability in respect of any material posted in the comments areas, nor are we responsible for the content and accuracy of that material.

If you place reliance on material posted in the comments areas you do so at your own risk, and you indemnify us (and our related entities) from any liabilities, claims, costs, loss (including consequential loss) or damage suffered or caused by reason of your reliance on any material posted in the comments areas.

If you submit material for a comments area, these terms and conditions apply:

This website and the use of it are governed by the laws of England and Wales. The English and Welsh courts shall have exclusive jurisdiction over any disputes connected to or arising out of use of the website.

If you use information or services provided on this website from outside the UK, you are responsible for ensuring your use conforms to local laws as well as the laws of England and Wales.

Your information will be managed in accordance with the law, including the Data Protection Act 1998, of the United Kingdom

Your personal information on your user page is used to facilitate dialogue and networking within this website. We will only disclose your personal information outside this website with your prior consent. No names, email addresses or contact information registered through this blog /website will be sold to third party sources.

We collect information about your visit to this website, only to analyze content performance through the use of cookies, which you can turn off at anytime by modifying your Internet browser’s settings.

We are not responsible for the republishing of the content found on this site or media without our permission.

This privacy policy is subject to change without notice.

You will not post any material in the comments areas:

(a) which is not original work in which you own the copyright, or which in any way violates or infringes (or could reasonably be expected to violate or infringe) the copyright, registered trademark or intellectual property rights of another person;

(b) which is (or could reasonably be expected to be) obscene, offensive, pornographic, vulgar, profane, indecent or otherwise illegal;

(c) which is (or could reasonably be expected to be) defamatory of any person;

(d) which racially or religiously vilifies, incites violence or hatred, or is likely to offend, insult or humiliate others based on race, religion, ethnicity, gender, age, sexual orientation or any physical or mental disability; or

(e) which you know or suspect (or ought reasonably to have known or suspected) to be false, misleading or deceptive.

You will not use the comments areas for the purpose of: (a) advertising, promoting or soliciting any goods or services, or otherwise engaging in trade or commerce; or (b) providing any financial advice, or advice of any kind in relation to any financial product.

You agree to fully indemnify and hold us (and our related entities) harmless against any liabilities, claims, costs, loss (including consequential loss) or damage incurred as a result of any material you post in the comments areas, or as a result of any breach by you of these terms and conditions.

Notwithstanding any indemnity provided by you under these terms and conditions, we and/or our related entities retain the right to assume the conduct of any defence to a claim brought against us, and of any proceeding or appeal issued by us, and you agree to provide all reasonable cooperation (including by making available relevant documents) that we may require from you in relation to any such claim, proceeding or appeal. Governing law

These terms and conditions shall be construed and applied in accordance with the laws of United Kingdom of Great Britain, and you consent to the exclusive jurisdiction of the United Kingdom Courts to determine any matter or dispute which arises under these terms and conditions in accordance with the laws of the United Kingdom.