Terms of Use


    • The use of this website is subject to the following terms of use.
    • The content of the pages of this website is subject to change without notice.
    • This website uses cookies to monitor browsing preferences.
    • Neither I nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and I expressly exclude liability for any such inaccuracies or errors.
    • The information provided on this website has been compiled for your convenience. This information is general in nature and has not taken into account your personal financial position or objectives. We urge you to obtain professional advice before proceeding with any investment.
    • Your use of any information or materials on this website is entirely at your own risk, for which I shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
    • This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
    • All trademarks reproduced in this website, which are not the property of, or licensed to the owners, are acknowledged on the website.
    • Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
    • From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. Unless otherwise mentioned, they do not signify that I endorse the website(s). I have no responsibility for the content of the linked website(s).
    • This website including its directors, affiliates, officers, employees, agents, contractors, successors and assigns, will not accept any liability:
      • for any loss, damage or other injury resulting from its use.
      • for any investment decisions made on the basis of this information. This website does not constitute financial advice and should not be taken as such. We urge you to obtain professional advice before proceeding with any investment.
      • for any damages or losses whatsoever, arising out of, or in any way related to, the use of this site and any other site linked to this site.
      • The limitation on liability contained above applies to direct, indirect, consequential, special, punitive or other damages that you or others may suffer, as well as damages for loss of profit, business interruption or the loss of data or information.
      • Nothing in this website constitutes or is intended to constitute an offer of, or an invitation to purchase or subscribe for any financial product.

Copyright notice:

  • Some product images are the property of Amazon.com.
  • All other material on this website belongs to the owners unless otherwise mentioned. Any infringement on our copyright will be pursued to the full extent of the law.
  • Where materials are attributed to other parties (such as photos), publishing rights were verified and the material was found to be in the public domain at the time of usage. If copyright violations are noticed, please bring it to our attention by contacting us.

Waiver and Release:

  • No web page on this site or email response should be construed as counseling, therapy, legal, financial or other professional advice in any way whatsoever. You hereby release this website and its authors from any liability for any decision you might take based on the information presented on the website.

Also review our Disclosure page.

Counting Every Dollar