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The advice, statements, processes and procedures we share are OPINIONS based on personal experience and strictly are for EDUCATIONAL PURPOSES. The information we provide is NOT intended to replace legal advice from a lawyer.

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Under no circumstances shall we have any responsibility or liable for any loss or damages of any kind as a result of the use of the information on our website or reliance on any information provided on the site. YOUR USE OF THE WEBSITE AND ANY RELIANCE ON THE INFORMATION CONTAINED IN OUR WEBSITE IS SOLELY AT YOUR OWN RISK.