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1. Jack P. Kruf does not make any claim for the accuracy nor accept any responsibility whatsoever for the information and recommendations contained and presented on the website (the “material”), and does not make any assertion that such material is complete, free of errors or appropriate to specific situations.

2. The content of the website is not necessarily an expression of the opinion of Jack P. Kruf.

3. Jack P. Kruf does not accept any responsibility whatsoever for problems, errors or accidents which may occur in connection with the usage of material found on this website. Jack P. Kruf recommends that the users of the website take an appropriate cautionary approach to the material.

4. The website and material are provided on an “as is” basis without any warranties of any kind. The use of the website and the material is entirely at your own risk. Although Jack P. Kruf will endeavour to ensure that the content of the material is accurate, Jack P. Kruf makes no representations as to the accuracy, reliability, completeness, or timeliness of the material, services, software, text, graphics of the results to be obtained from using this website and the material. Users of the material are expected to exercise their professional judgement when using the material. Jack P. Kruf does not warrant that the website will operate error-free or that the website and its servers are free of computer viruses and other harmful elements. If your use of the website or the material results in the need for servicing or replacing equipment or data, Jack P. Kruf is not responsible for those costs.

5. Jack P. Kruf works continually to ensure that any erroneous information and/or unfounded knowledge available via this website is corrected or removed as soon as is reasonably practicable and that as far as is reasonably feasible such erroneous information or unfounded knowledge is not disseminated. With this in mind Jack P. Kruf is very amenable to receiving any information about possible errors or omissions in the material and information available on the website. Information about dead links on this website can be sent to jackkruf@mac.com.

6. The contents of the website, such as text, graphics, images, photographs, code and other material, are protected by copyright, trade mark and other laws. You must retain all copyright, trademark and other proprietary notices contained in the original material on any copy you make of the Material. You may not reproduce, display, publicly perform, distribute, sell or modify the Material or otherwise use the Material in any way for any public or commercial purpose or otherwise in breach of these terms and conditions. Unauthorised use of the material may violate copyright, trademark and other laws.

7. This website may not be changed or altered either by simple editing or through technical tools. The website may not be copied.

8. Those websites, which are connected to the website via hyperlink, are not part of Jack P. Kruf and thus are outside the control of Jack P. Kruf. This disclaimer includes the content as well as any commercial advertisements contained on such linked websites.

9. Jack P. Kruf can, without warning, change or modify any part of the website.

10. Jack P. Kruf reserves the right to use any material it receives in part or entirety. Jack P. Kruf can use such material on the website, in a newsletter or in any other way, including passing on such material to a third party.

11. Jack P. Kruf accepts no responsibility in relation to any damages whatsoever or howsoever caused by, for example, virus attacks using this website or related media.

Jack P. Kruf