Copyright 2009:  Karen Francisco

All materials featured on this website – text, logos, photos and other data - are all protected by copyright held by KAREN FRANCISCO.  Any alteration or reproduction is not allowed without her proper consent.  However, you may download materials from this website for your personal or non-commercial use, if it be deemed necessary to do so.


Disclaimer

1) Content
The author reserves the right not to be responsible for the topicality, correctness, completeness or quality of the information provided. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect,will therefore be rejected. All offers are not-binding and without obligation. Parts of the pages or the complete publication including all offers and information might be extended, changed or partly or completely deleted by the author without separate announcement.