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The information contained in this site is of a general nature and not intended to serve as advice. No warranty is given in relation to the accuracy or reliability of the information contained herein including information from linked sources. Users should not act solely on the basis of this information and should consult us for formal advice before making any decision. Business Education and Consulting Pty Ltd (trading as The Risk Doctor®) and its employees and agents disclaim all responsibility and liability to any person for loss incurred as a result of acting or failing to act on the basis of information contained on this web site. Any questions regarding this Legal Disclaimer should be directed to Cyril Jankoff.