DISCLAIMER

This manual is not legal advice and is not a substitute for legal or risk management advice. You should obtain competent legal or risk management advice on anything discussed in this manual and not rely upon the explanations of the law and risk management set out in these materials. These materials are intended solely to help you determine when to seek professional advice. While every effort has been made to make these materials as accurate as possible, the matters discussed here are complex and these materials are necessarily simplistic and incomplete. The author will not be responsible for any errors.

Under no circumstances will the author of this manual or his law firm be liable to any person for any bad thing that may happen because a reader disregarded this warning.