I have nothing on my site which has a copyright, thus you are free to copy and use picture or material you wish.

1. My site content is for purposes of information and should no way be construed as advice.
2. Advice provided if any, are by experts or writers and are their personal opinions and not my personal. I advise you to exercise your own discretion in all matters. 
3. I exercise due diligence over the contents of my web pages and information, but I explicitly state that I am not responsible for any errors, omissions or representations on any of our pages or on any links on any of my pages. Please verify all information on your own before making any decision on any matter. I reserve the right to make any changes without notice.
4. Sites that are linked from my site are not under my control and I am not responsible for the contents of any linked site or any site that is linked from a site linked by me. I may provide links for your convenience but that is not to be construed as an endorsement by me.
5. All the information including, but not limited to, trademarks, logos, listings, database, text, graphics, pictures, photographs, design and all textual, audible and visible content are not copyrighted works but my hard work and toil. However, you are free to use any of these and send me a courtesy mail. 
6. The contents of the site are meant for personal use only and may  be downloaded for personal use. 
7. I disclaim any liability for damages caused by downloading of any data or information.
8. I reserve the right to make changes at any time to content, channels, information or any other content without notice and without assigning any reasons.
9. By posting information if any, data or sending information such as unsolicited articles or other materials such as writings, pictures, drawings, etc, you are granting me the right, free of cost and royalty, to use and/or commercially exploit such material without notice at any time in perpetuity and to adapt, translate and to use in such material in any manner on any technology. You further indemnify me against any claim including legal fees and costs for violation of any third party intellectual property or other rights.
10. I reserve the right to delete any postings made on the website without notice and without assigning reason.
11. All registrations are subject to our Privacy Policy.
12. I am not responsible for information or content over which it has no control. However, I will make every effort to remove objectionable content within a reasonable time after if it is brought to my attention in writing in a verifiable form.