Terms of Use
By accessing this website, you acknowledge and agree to the following terms and conditions.

Disclaimer and Limitation of Liability
This website and its content are provided “as is” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. While every effort is made to ensure the accuracy and reliability of the information presented, no guarantee is made regarding its completeness, timeliness, or applicability. Mark Ralph is not liable for any loss or damages, direct or indirect, arising from the use of or reliance on this website or the information it contains.

No Legal Advice
The information on this website is provided for general information purposes only and does not constitute legal, medical, or financial advice. Viewing or interacting with this website does not create a client-consultant relationship. If you require professional advice, please seek it from a qualified practitioner.

Links to Other Websites
Links to external websites are provided for convenience only. Mark Ralph does not endorse, approve, or guarantee the accuracy or content of external sites and is not responsible for their practices or policies.

Trademarks
Any trademarks, service marks, or trade names used or displayed on this website are the property of their respective owners and may not be used without prior written consent.

Copyright
All content on this website, including text, graphics, logos, and downloadable materials, is protected by copyright law and is the property of Mark Ralph unless otherwise noted. Unauthorized use or reproduction is prohibited.

Non-Commercial Reproduction
Content from this site may be reproduced for non-commercial purposes without charge or further permission, provided that:

• The material is not modified;

• Proper credit is given to Mark Ralph as the source;

• The reproduction is not represented as an official version nor as being endorsed or affiliated.

Commercial Use
Reproduction or distribution of any materials on this site for commercial purposes is strictly prohibited without prior written permission.

Contact Information
For questions regarding this disclaimer or for requests related to copyright, please contact me through the Contact page of this website.