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The material and information at this URL is provided for information only. It may not be construed as professional advice or instruction.

The author is not writing in any professional capacity. No action or inaction should be taken based solely on the contents of this information. Action or inaction on any matter should be decided in consultation with an appropriate professional.

While efforts are made to ensure that the information at this URL is accurate and up to date, no legal responsibility is accepted for errors, omissions or misleading statements.

The owner of this domain does not accept liability for direct, indirect, special, consequential or other losses or damages of any kind arising out of an intended or unintended visit to this URL or use of information contained within it.

The owner of this domain cannot be made or held responsible for loss, damage or expense that might be caused by action, or inaction, that a visitor to this URL  might decide during or after his or her visit. The responsibility for such action or inaction is and remains with the visitor of the URL/domain, not with the URL/domain itself.

This URL contains links to other URLs. The owner of this URL is not responsible and does not accept responsibility for information at URLs he does not own. The inclusion of hyperlinks must not be taken to mean endorsement by the owner of this URL of the linked-to URL. Hyperlinks may be affiliate links, whereby the owner of this URL receives financial compensation should a purchase be made at the linked-to URL. The owner of this URL is not  responsible for information at URLs he does not own and manage, even when the URLs are so-called affiliate links. The owner of this URL does not guarantee the quality of any product or service purchased at URLs which he does not own or manage.

The following disclosure is directed by the FEDERAL TRADE COMMISSION, (see 16 CFR Part 255) – Guides Concerning the Use of Endorsements and Testimonials in Advertising, the purpose of this policy is to establish any compensatory affiliation betIen the site owner and affiliate networks Amazon, Clickbank, Commission Junction, Google, Share-A-Sale and any individual vendors they represent and that the site owner has established an affiliate relationship:

This website is a operated and maintained by Beat Schindler. For questions about this website, please contact beat@beatschindler.com

This website may at times accept forms of cash advertising, sponsorship, paid insertions or other forms of affiliate compensation. The compensation received may or may not influence the advertising content, topics or posts made on this site. That content, advertising space or post may not always be identified as paid or sponsored content. Not all content is written or presented for the sole purpose of receiving affiliate income. The owner of this website is compensated through various affiliate programs and some content presents opinions on products, services, websites and various other topics. Even though as the owner(s) of this website I may receive affiliate compensation for reviews or advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this website are purely the website’s’ own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question. This website does contain some content which may or may not present a conflict of interest. This content may not always be immediately identified due to the nature of posting methods.

You, the visitor or customer of this website, should assume that any and all links on this site are affiliate links. If you click on these links and go visit the resulting site, a cookie will be set in your web browser that will cause me to receive a commission - “IF” - you purchase a product on the other end. This is a legitimate way to monetize and pay for the operation of web sites. Hyperlinks on this site are in most cases shortened, and in some cases cloaked for functionality and tracking purposes. Link tracking, shortening and cloaking is common practice in affiliate marketing. Select vendors may pay to place advertising on my site in the form of banners, widgets, and hyperlinks. That said, I am not responsible and cannot be made responsible for claims or testimonials made on paid advertising links.

I would like you to buy the services and products I write about through my affiliate link rather than someone else's, and may be influenced by that fact. I value integrity, openness and honesty highly, and will always strive to be fair and balanced. I do not believe a conflict of interest exists, but you, the visitor or customer, must decide.