This is a personal blog page. And any news, views or opinions represented in this blog are personal and belong solely to the blog owner and do not represent those of people, institutions or organizations that the owner may or may not be associated with in professional or personal capacity unless explicitly stated.

Any news, views or opinions aired on these pages are not intended to malign any religion, ethnic group, club, organization, company, or any individual.

All content provided on this blog is for informational and educational purposes only.  And the majority of them are gathered from various reliable sources and the source details/links are given along with it.  Since the owner of this blog makes no representations as to the accuracy or completeness of any information, news or note on this site or found by following any link on this site.
The owner will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information.
The owner of this site is not responsible for any of the actions by the advertisers or sponsors.

Rights Reserve 

The owner of the blog reserve the right to change the focus of this blog, to shut it down, sell it or to change the terms of use (go to a paid platform). This is applicable fully at the owner’s discretion.

Disclaims All Liability For Damage

The blog owner is not responsible for and expressly disclaims all liability for damage of any kind arising from use, reference to, or reliance on any information contained on the site. While the information contained in the site is periodically updated, no guarantee is given that the information provided on the Website is correct, complete and update.

Also, the website may include links providing direct access to other internet resources, including websites etc. The web owner is not responsible for the accuracy or content information contained in these sites.

Third Party Links

Links from this website to third-party sites do not constitute an endorsement by this web of the parties of their products and services. The advertisements and product or service information does not constitute an endorsement by the web owner and has not investigated the claims made by any advertiser. Product information is based solely on material received from suppliers

Downloadable Files and Images

Any downloadable files, including but not limited to pdfs, docs, jpegs, pngs, is provided at the user’s own risk. The owner will not be liable for any losses, injuries, or damages resulting from a corrupted or damaged file.

Copyright Policy

Philipscom Associates are the legal copyright holders of all material on this blog and that others cannot use it to reprint or publish without the prior written consent of the blog owners.

Readers’ Write Or Comments

Comments on these pages are always welcome.
However, the blog owner reserves the right to edit or delete any comments submitted to this website without notice due to:
1.  Comments deemed to be spam or questionable spam.
2. Comments including profanity.
3. Comments containing vulgar language or concepts that could be deemed offensive.
4. Comments containing hate speech, objectionable language, credible threats, or direct attacks on an individual or group.
The blog owner is not responsible for the content in comments.
This blog disclaimer is subject to change at any time.  Updated on November 27, 2016
For Philipscom Associates