Please read this agreement carefully and completely before using this website. Your use of this website indicates your understanding and acceptance of and agreement to the following terms:

Unless otherwise indicated (or is obvious in the circumstances) we own all copyright in the contents as published. You may make a temporary copy of part or all of this site on your computer for the sole purpose of viewing it, and print a hard copy of a whole page of this site for personal use, as long as any copyright notice is not removed.

You may not otherwise reproduce, adapt, store in a retrieval system, transmit, print, display, perform, publish or create derivative works from any part of the contents, cause any contents to be framed or included in another website, or commercialise the contents, except with our prior written consent or as permitted by law.

This website and its contents are made available for the sole purpose of providing general information on relevant issues and access to related resources. All content is provided merely for educational and informational purposes, and should not be used as a substitute for or supplement to specific and precise expert advice. The relevance, accuracy, completeness and timeliness of informational and other content is not warranted or guaranteed. As such, no content should be relied upon, and no action or inaction should be taken on its basis.

This website and its contents are not maintained by any advertiser or by the owners or operators of any other site linked thereto. We do not control, endorse, sponsor or approve any advertiser or its site or site content or any other site or its content linked thereto. We do not warrant or guarantee the quality or suitability of advertiser goods and services. Please consult with our advertisers directly should you have any questions about their goods and services.

We and our advertisers and the owners and operators of any other sites linked thereto disclaim all express or implied representations and warranties in relation to the information and resources contained herein and linked thereto, including, without limitation, any implied warranties of merchantability, fitness for purpose or continuing availability.

You expressly agree that, to the maximum extent permitted by law, neither the owners nor operators of this website nor its advertisers nor the owners or operators of any other sites linked thereto are or shall be responsible or liable for any claim, loss or damage, of any kind, directly or indirectly resulting from your use or disuse of this website or of the information and resources contained herein or linked thereto.

You expressly agree that in no event will this website, its owners or operators be liable for any claim, loss or damage, of any kind, directly or indirectly arising in connection with the provision and supply of goods and services by our advertisers or by the owners or operators of any other sites linked thereto.

You agree to indemnify, defend and hold harmless the owners and operators of this website, its advertisers and the owners and operators of any other sites linked thereto from any claim, loss, damage or expense (including reasonable solicitor’s fees) resulting from your violation of this agreement or your use or disuse of this website.

Our failure to insist on strict enforcement of any provision(s) of this agreement shall not be construed as a waiver of any provision or right.

This agreement and the resolution of any dispute related to this agreement or this site shall be governed by and construed in accordance with the laws of Victoria (Australia), without giving effect to any principles or conflicts of law. Any legal action or proceeding between this website, its owners or operators, its advertisers or the owners or operators of any other sites linked thereto and you related to this agreement or this site shall be brought exclusively in a state or federal court of competent jurisdiction sitting in the state of Victoria (Australia).