Your access and use of this website is subject always to the following terms.
In accessing this website you agree to accept unaltered these terms.
These terms are subject to change without notice.
Copyright
- This website is owned and operated by Craig Ray & Associates and its content is protected by Australian and international copyright laws.
- You may not use, copy, modify or deal with the content of this website in any unauthorised way without the express written consent of Craig Ray & Associates.
- All copyright rights are reserved. (c) 2014.
Liability
- Any use of this website, including accessing the website, use of content or information on the website and any and all external links, bookmarks, cookies or other features whether they be internal to this website or hosted externally is done so at the sole risk of the user.
- Craig Ray & Associates accepts no liability whatsoever for any damage, loss or injury caused as a direct or indirect result of the use of this website, including any viruses, trogans or other malware.
- To the maximum extent allowed by law, we hereby expressly exclude and limit our liability for any damage that may arise as a result of this website and its use and content.
Disclaimer
- The use of this website is subject to the website Disclaimer.
Privacy
- Any information gathered through this website may be used by Craig Ray & Associates in accordance with its Privacy Policy.
Opinions
- The opinions of individual authors contributing to this website or to external websites linking to or from this website are their own opinions and they are not necessarily endorsed by Craig Ray & Associates.