By using the site, you agree to the terms and conditions (privacy, cookies, etc.) as amended from time to time.
If you don't agree, please do not use the site.


This website uses cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners.

How Google uses data when you use our partners' sites or apps

How to control cookies
You can control and/or delete cookies as you wish for details, see You can delete all cookies that are already on your computer and you can set most browsers to prevent them from being placed. If you do this, however, you may have to manually adjust some preferences every time you visit a site and some services and functionalities may not work.

When you are served with our pages or ads, this may store some codes within your browser that allows us to respond properly to the pages or ads that are delivered. These codes are known as "cookies". For example, these codes let us keep track of how many times you view a page or ad on this site. It helps our network determine where to send you when you click on an ad. or link. Unlike many other networks, we do not use cookies for the purpose of setting unique identifiers that are used to identify you whenever you return to a web site within our network. Most web browsers automatically accept cookies, but you can change your browser to prevent that use if you wish.

We reserve the right to change our policy from time to time. A revised policy will apply to information collected after the date the policy is changed.

privacy statement and other terms

This site may use the services of ad. companies for the serving and/or targeting of ads, promotions and other marketing messages. To do this, the site or ad. companies may collect and store data typically through the use of cookies. By using this site, you agree to this policy. If you don't, then do not use this site.

user information

When you use this site, we use any information you provide to us for the specific purposes only. We collect information to ascertain how many page views we receive, what pages are accessed, which ISPs users use, which browsers are used. The information is aggregated and not used to collect any personal information (unless you disclose such information - see below). This information is obtained for the purpose of targeting relevant pages and information.


We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here and here.

public chats and forums

You should be aware that whenever you post personal information online, through chat rooms, message boards, or email such information can be collected and used by others. You should control the information you disclose in such forums or chat rooms. We do not have any control over and we do not accept any liability or responsiblity for any chat rooms or forums.


This web site contains links to other sites. We are not responsible for the privacy policies of other sites. You should read the privacy policy of each and every web site that collects your personally identifiable information.

third-party measurement services

Advertisers on this site may employ a third-party ad serving service for managing and tracking the performance of advertising. We have no control over the information collected by the third-parties, and may not be held responsible for the actions of the third-party measurement service where collected information is concerned.

other terms

The information on this site must not be construed as specific advice or recommendation of any type or under any circumstances. We do not and cannot guarantee or warrant the information contained on this site is accurate or complete and we do not endorse views opinions or comments that may be presented on the site. The information is subject to change without notice. We are not responsible for any actions resulting  from the use of this site or of any information on the site either by you or any other persons.

Information on this site is for our own ongoing research purposes - you must do your own independent research eslewhere and you should seek advice from your own appointed experts. You should only rely on your own independent research conducted elsewhere and on the expert advice of your own appointed professional advisers and consultants. Reliance must not be placed on any information on this site. Nothing on this site should be used for treating or diagnosing any issue nor for replacing any relationship with your professional adviser. The information on this site is not intended to nor implied to be professional advice of any kind under any circumstances. Always consult your own appointed professional adviser.

All information on the site is our copyright or that of individual authors writers and editors. Reproduction, redistribution, storage, sharing or  modification of the information in any form or for any purpose is prohibited.

We do not warrant the accuracy completeness, timeliness, merchantability or fitness for a particular purpose or for any purpose of the information contained in  this site. We will not be liable to you or to any other party under any circumstances for any errors or omissions or any information or lack of information. We are not in any way liable to you or any third party for any loss whatsoever direct or indirect associated with your use of this site. We make no representations or warranties about the suitability, accuracy or currency of the contents of this site, lack of viruses or any other matter whatsoever with respect to this site or any content. We expressly disclaim and do not warrant that the functioning of this site will be uninterrupted or error free; that any errors will be corrected; that any information on this site is complete, or timely, or will be updated, or the server that makes it available, is or will be free of viruses or other harmful components. You are solely and exclusively responsible for any damage to your computer system or loss of data or any other loss or damage whatsoever directly or indirectly that may result from using this site or any information on the site.

We are not responsible for any information found on linked sites or their links. The links (or any other information, notices, advertisements, etc.) are provided  for convenience only and not as an endorsement of any site, product, service or information. Sites and links change. We cannot monitor such changes. We are not responsible for the availability, the content or the damage which may be caused by such other sites or links. You click on any links or sites at your own sole and exclusive risk and liability.

The information provided by our contributors is not independently verified by us. The views expressed and materials presented  are the personal views of individuals and not ours. This site may contain academic, educational, informational or scientific material which some may find explicit or otherwise offensive. The information is meant for adults or for mature teenagers under adult supervision. We do not accept any responsibility or liability for such materials. We do not provide services for use by children. If you are under the age of 18 (or higher where applicable) you may only use the site with the involvement of an adult (parent or guardian).

The site is provided "as is" without any warranty of any kind either express or implied. We disclaim all representations, warranties and other terms with regard to this site including all implied terms as to merchantability and/or fitness for any purpose or usage of any kind. Images if any are for demonstration purposes only and may not accurately reflect actual products or services if any. If and to the extent the law does not permit the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the fullest extent permitted by law. Our liability shall not under any circumstances exceed the fee paid by you. We shall not be liable under any laws, rules or principles of indemnity. In no event shall we be liable for any damages other than the amount referred to above. All other damages, direct or indirect, special, incidental, consequential or punitive are hereby excluded to the fullest extent permitted by law even if we have been advised of the possibility of such damages.

You expressly acknowledge and agree this site, its licensors, suppliers and business partners if any are not responsible for the results of your decisions resulting from the use of this site or the information contained on the site including but not limited to your choosing to seek or not to seek professional advice from your own appointed experts, or your choosing or not choosing specific products or services based on the information on or accessed through this site. You expressly confirm and warrant that you will not rely on the information on this site and that you will conduct your own independent research and that you will seek expert advice from your own appointed experts. You will indemnify us for all costs claims actions proceedings procedures etc. arising from your use of this site.

You are solely responsible for compliance with the laws applicable to you where you are. This site should only be viewed where it is legal to view it. We reserve the right to withdraw any or all the information or pages or pages from the site at any time without notice. The site may not be available at certain times or at all. We shall not be liable under any circumstances. The terms herein are subject to change without notice.

Please note each individual company/site listed will have their own privacy policy, terms of use and terms and conditions. Consult each site for details.