Disclaimer

The contents in this blog are for information purposes only . They are not intended to be a professional or expert advice. They are my opinions and experiences which may not necessarily reflect the opinions of any organisation or company that I am affiliated with. I reserve the right to change the overall content and focus. While I try to be as accurate as I can, there may be errors or omissions. I am not able to disclose all information needed to assess a particular situation. Please consult an independent professional advice for your specific needs. If you need advice on legal matters, please consult a lawyer.