Terms of Use
Last Updated on March 29, 2017
Welcome to this Web site (the “Site”), which is owned and operated by Tony Melvin (throughout these Terms of Use “TM” refers collectively to Tony Melvin and his companies, their subsidiaries, affiliates and related companies). TM maintains the Site as a service to its visitors, subject to the following Terms and Conditions concerning the use of the Site (“Terms of Use”). When you use the Site, you accept the Terms of Use; if you do not agree to the Terms of Use you may not use the Site. TM reserves the right to modify content on the Site and these Terms of Use periodically without prior notice.

Use of Content on the Site 
You may view, download and print contents from the Site subject to the following conditions: (a) the content may be used solely for information purposes; and (b) the content may not be modified or altered in any way. You may not republish, distribute, prepare derivative works, or otherwise use the content other than as explicitly permitted herein.

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of TM without the express written consent of TM. You may not use any meta tags or any other “hidden text” utilizing TM’s name or trademarks without the express written consent of TM. You may not use any TM logos or other proprietary graphic or trademark as part of the link without express written permission.

You do not acquire any ownership rights to any content in the Site. Any unauthorized use terminates the permission or license granted by TM.

Reviews, Comments, Communications, And Other Content 
You may submit comments and provide other content so long as the content is not obscene, illegal, threatening, or defamatory and so long as the content does not invade the privacy or infringe the intellectual property of a third party. Further, such content may not contain software viruses, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of the information.

By submitting information, you grant TM a nonexclusive, royalty-free, perpetual, irrevocable and fully sub licensable right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute and display such content throughout the world in any media. By submitting information you also represent and warrant that that the content is accurate; you own or have permission to use the content that you submit; and that use of the content will not cause injury to any person or entity.

Products and Services Offered By TM on the Site 
TM offers products and services on the Site. When you enroll to obtain a product or service from TM on the Site, you accept the specific agreement applicable to that product or service. Your use of any such product or service offered on the Site is governed by the Terms and Conditions in the agreement for that product or service. Except as provided in that agreement, TM does not warrant that any product descriptions or content contained in this Web site is accurate, current, reliable, complete or error-free.

Copyright Information & Trademark Ownership
The Site and the content within the Site are the property of TM or its suppliers and are protected by Australian copyright laws and international treaty provisions. The compilation, organization and display of the content and trademarks used on and in connection with this Site are the exclusive property of TM or its suppliers. TM reserves all rights in the Site and its content not specifically granted in any agreements with TM or in the Terms of Use.

Privacy Statements 
Because we respect your right to privacy, we have developed a Privacy Statement to inform you about our privacy practices. Please view the Privacy Policy.

Third Party Web Sites and Information 
The Site may provide hyperlinks to third party Web sites or access to third party content. TM does not control, endorse, or guarantee content found in such sites. You agree that TM is not responsible for any content, associated links, resources, or services associated with a third party site. You further agree that TM shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only.

Legal & Financial Advice
This site is intended to give you legal or financial information, NOT advice, and nothing on this website should be considered legal or financial advice. TM is NOT a legal or financial advisor and no information or forms provided on this website is intended or may be construed as advice. Although TM will use its best endeavors to explain all relevant matters and instructions to you clearly, you may, however, misinterpret such explanations and/or instructions or you may omit to read all instructions. TM is not liable in any respect for any such misinterpretation or omissions. You have either received your own independent professional advice OR you have made your own deliberate decision not to obtain the relevant advice and you accept any risks of having done so.

Disclaimer 
EXCEPT AS EXPRESSLY STATED IN AN AGREEMENT BETWEEN YOU AND TM, ALL CONTENT, SERVICES, PRODUCTS AND SOFTWARE PROVIDED ON THIS WEB SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. TM AND ITS SUPPLIERS AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, TM DOES NOT WARRANT THAT THE SITE, ITS CONTENT, OR THE PRODUCTS AND SERVICES IT OFFERS ON THE SITE MEET YOUR REQUIREMENTS. SUBJECT TO THE TERMS OF ANY AGREEMENT BETWEEN YOU AND TM, TM, ITS SUPPLIERS AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, EVEN IF TM, ITS SUPPLIERS OR LICENSORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Indemnity 
You agree to defend, indemnify, and hold harmless TM, employees, attorneys and agents (“Indemnities”) against all claims, expenses, liabilities, losses, costs and damages, including reasonable attorney’s fees, that the Indemnities may incur (i) in connection with your use of the Site or any hyper linked Web site or (ii) resulting from content you supply.

Applicable Laws 
All matters relating to your access to and use of the Site shall be governed by Australian federal law or the laws of the State of NSW without regard to its conflict of law principles. Any legal action or proceeding relating to your access to or use of the Site shall be instituted in the State of News South Wales state or Australian federal court.

If there is a determination that any provision of these Terms of Use is invalid or unenforceable, that determination will not affect the rest of the Terms of Use and the Terms of Use shall be deemed amended to the minimum extent necessary to make them valid and enforceable.

Contact Information 
If you have any questions regarding these Terms of Use, please contact us.
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