The information contained on this website and the resources available for download through this website is not intended as, and shall not be understood or construed as, financial advice. It is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual case. The same applies to the content on this website related to care and wellness. The materials presented are for general information purposes only, and is not intended to be and should not be treated as a substitute for professional medical advice, diagnosis or treatment. You are advised to present all your medical questions to your own health care provider for management and treatment. We hereby expressly disclaim any assumption of any risk or responsibility or liability for your use and reliance of this website.

In consideration for your use of and access to this website, you agree that in no event will we or any other party involved in creating, producing or delivering this website or any site linked to this website, be liable to you or any other party in any manner whatsoever for any decision made or action or non-action taken by you in reliance upon the information provided through this website.

The “Website” means this website and all content of the Website, as published by Adventist Charitable Foundation Limited (ACF).

By accessing this Website, you agree to and accept these terms of use and disclaimers. If you do not agree to and accept such terms of use and disclaimers, do not access this Website or any page thereof.

No Advice
The content of the Website is for general information purposes only. Information and materials contained in the Website do not constitute professional advice in any area (including financial, investment, medical or legal advice), and do not cater to any individual circumstances. Please consult professional advisors if you have questions and need advice for your individual circumstances.

No Representation or Warranty
ACF makes no representation or warranty of any kind as to the accuracy or completeness of the content of the Website (including all information and materials contained in the Website).

No Liability
ACF shall have no liability to you or any party for any loss or damage of any kind, whether direct or indirect, which may be incurred through access to the Website or the use of any content of the Website (including all information and materials contained in the Website).

Changes to content of the Website
ACF may change the content of the Website (including all information and materials and these terms of use and disclaimers) at any time, with immediate effect and without prior notice.