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Terms of Use

All terms and conditions, which govern the use of web site (including disclaimers) may only be amended in writing signed by an authorised officer of this site and may amend them from time to time. For details of copyright of this web site see below.

Accuracy of Information and Disclaimer of Warranties

All material on this web site is provided in good faith. It is derived from sources believed to be accurate and current as at the date of publication. Your use of this web site is at your sole risk. Access to this web site is provided on an \’as available\’ basis. Neither, its owner Network Creative Services Pty Ltd, nor its directors or contributors make any representation or warranty that (i) any material on this web site will be reliable, accurate or complete (nor do they accept any responsibility arising in any way for errors in, or omissions from that material); or (ii) your access to this web site will be uninterrupted, timely or secure. will not be liable for loss resulting from any action or decision by you in reliance on the information on this web site, nor any interruption, delay in operation or transmission, virus, communications failure, Internet access difficulties, or malfunction in equipment or software.

General Information Only (Non Advisory)

The material on this web site provides general information only. It is not intended as advice and must not be relied upon as such. You should make your own inquiries and take independent advice tailored to your specific circumstances prior to making any decisions.


The material provided on the web site is copyright protected. You may use this material for your own personal reference only. Except for the temporary copy held in the computer\’s cache and a single permanent copy for your personal reference, the material may not otherwise be used, copied, sold, reproduced, published, stored in a retrieval system, altered or transmitted in any form or by any means in whole or part (except where such use constitutes fair dealing under the Copyright Act) without the prior written approval of or the editor or licensor of You may not use any part of the material on an network site to establish, maintain, provide, or assist in establishing, maintaining or providing your own publications, Internet site or other means of distribution.


If any person or party is seeking permission to publish or reproduce in any form any part of written permission of the publisher is required beforehand, please contact the web site owner at