Important: - Failure on your part to read the disclaimer below will in no way at any time adversely affect the liability of Ibby Karbhari.

**********DISCLAIMER**********

The information contained in this message and/or on any media and/or any attachments and/or documentation supplied here within:

1. Does not constitute an offer or an acceptance of an offer or a representation or warranty, nor shall it form any part of a legally binding contract.
   
2. Has been compiled with care but no representation or warranty (express or implied) is made as to its accuracy or completeness and no liability can be accepted for any loss arising from the use of any of the information.
   
3. May include opinions or views, which unless expressly stated otherwise, are not those of me or any person in relation would have vicarious liability or responsibility.
   
4. Is not guaranteed to be free from any so-called computer viruses and it is strongly recommended that you check for such viruses before down- loading or installing it to your computer equipment. However, every possible effort has been taken to check that this information is virus free prior to dispatch.
   
5. may include hypertext links to the sites of other companies or persons, the content of which, Ibby Karbhari has no control over and accepts no liability!
   
6. Any self extracting application, Utility and/or compressed file(s) Pertaining to this publication or downloaded and/or installed is the responsibility of the original creator/copyright owner with respect to its reliable and efficient opperation. Ibby Karbhari supplies this product in good faith, but makes no recommendation concerning it, and can accept no liability for any performance problems which may emerge during its installation and/or at any time thereafter.
   
7. Whilst every care has been taken in the compilation of this publication, no responsibility for loss suffered by any person acting or refraining from action as a result of any material in this publication (including appendices) can be accepted by Ibby Karbhari.
   
8. You agree and accept that I am unable to exercise control over the content of the information on the Internet. I am not in a position to monitor how you use the Services/Products, and so you agree to indemnify me against any claim that is brought against me, or any costs or liability that I incur, as a result of your use of the Services/products. I accept no responsibility for any action brought against you arising from service misuse.
   
9. I give no warranty that the Services/products will be continuously available and/or supported. You are in a better position than I am to evaluate any potential loss you may suffer by using the Service(s), and to insure if appropriate. I shall not be liable in contract, tort (including negligence or breach of statutory duty), misrepresentation or otherwise for any indirect or consequential loss or damage (whether for loss of profit, loss of business, loss of data, depletion of goodwill or otherwise), costs, expenses or other claims for consequential compensation whatsoever (whether or not caused by my negligence or that of agents or sub-contractors) which arise out of or during connection to the Internet or the use of any services/products. I also cannot be liable for the quality or accuracy of information received through the Service(s) or the Internet. Nothing in this clause shall exclude or limit my liability for death or personal injury caused by my negligence or for fraudulent representations. It is your responsibility to carry out computer virus precautions. I will not be responsible for loss arising out of computer viruses, whether they are introduced through software found here, or transmited via the use of the Internet or otherwise. From time to time, Internet addresses or sites are disconnected or cannot be found. I am not responsible for maintaining sites other than my own.
10. Software: For any software whether induced, extracted or found and which is or is not downloaded by you through the Service(s) you agree that you are solely responsible for registering any software that requires such registration, and paying any regulated charges thereafter, with the relevant software owner.
    
11. Amendments: I reserve the right, at my discretion, to change, modify, add, or remove portions of these terms and conditions (and the provisions of any policies applicable without notice.
    
12. Governing Law: You and I both agree to submit to the exclusive jurisdiction of the English courts. We both accept that a Court may strike out or override any part of these terms and conditions if it considers them to be illegal, unenforceable or unfair, pursuant to some statutory provision. In such cases a Court can enforce the terms and conditions as if the offending clause or clauses had never been contained in them. Should any provision or portion of these terms and conditions be held invalid or unenforceable by a court of law for any reason, it shall be deemed omitted and all other provisions of these terms and conditions shall continue in full force and effect. Please Note: If legal advice or other expert assistance is required, the service of a competent professional person should be sought.

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