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By accessing and using this website you acknowledge and agree that use of this website and the content is entirely at your own risk.

The information contained on this website is for information purposes only.

It is not intended to provide accounting, legal, investment, financial, curative or other advice to you, and you should not rely upon the information to provide any such advice.

All information posted on this website is intended only as a basis for further discussion, inquiry and study.

Joyzeal.com disclaims any liability for direct, indirect or consequential loss arising in connection with the use of the contents of this website or reliance on those contents by any person or organisation, whether in its original form or altered in some way by the user.

Joyzeal.com gives no warranties nor make any representation in respect of the contents of this website. We advise users of this website to seek their own appropriate independent professional advice to matters raised in this website.

Joyzeal.com will not be liable for any direct, incidental, consequential or indirect damages, loss or corruption of data, loss of profits, goodwill, bargain or opportunity or loss of anticipated savings resulting from your access to, or use of, or inability to use the site and the content, whether based on warranty, contract, tort, negligence or any other legal theory, and whether or not we know of the possibility of such damage.

Links to other sites are inserted for convenience and do not constitute endorsement of material at those sites or any associated organization or service.

We also disclaim all liability and make no representations or warranties for any products or services sold or provided to you by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between you and them.

This website will not be responsible for any loss, claims, damage or demands from its use.

This policy is subject to change at any time.

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