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The authors and/or their licensee and associated businesses advise readers of this newsletter should be aware that property values are cyclical and therefore may rise and/or fall depending upon market and economic conditions. All investment involves risk particularly where borrowed funds are utilised and should be assessed with regard to the level of borrowings and individual financial circumstances

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In the case of services supplied or offered by the authors and/or their licensee:

1. the supply of the services again, or
2. the payment of the cost of having services supplied again:

And in the case of goods supplied or offered by Quartile:

1. the replacement of the goods or the supply of equivalent goods'
2. the repair of such goods,
3. the payment of the cost of replacing the goods or acquiring equivalent goods, or
4. the payment of having the goods repaired.

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The authors and/or their licensee's may amend this policy from time to time. If we make any substantial changes in the way we use your personal information we will notify you by posting a prominent announcement on our web page or by email to your nominated address.

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All information in this newsletter is provided as a convenience to the user. Neither the authors and/or their licensee not its licensors or suppliers (nor their respective directors, affiliates or employees), accept liability, direct or indirect for any injury, loss, claim, damage or any incidental or consequential damages, including but not limited to lost profits or savings, arising out of or in any way connected with the use of any information. Prices displayed in MPP for products or services are current at the time of issue, but may change at any time and are subject to availability. The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not secure, and is subject to possible loss, interception or alteration while in transit. Accordingly, we do not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the Internet or other publicly accessible networks, such as transmissions involving the exchange of e-mail with us (including those which may contain your personal information). While we shall take commercially reasonable efforts to safeguard the privacy of the information you provide us and treat such information in accordance with our Privacy Policy, in no event will the information you provide to us be deemed to be confidential, create any fiduciary obligations to you on our part, or result in any liability to you on our part in the event that such information is accessed by third parties without our consent.