Terms of Service

Your personal information will be managed in accordance with our privacy obligations. For further information about how we manage personal information and details of how to make an enquiry or lodge a complaint, please refer to the Privacy Statement.

Information, data and advice on this website is provided on the basis that site users undertake responsibility for assessing the relevance and accuracy of its content. Stephen J Palmai
makes no representations, either expressed or implied, as to the suitability of anything on this website for any particular purpose.

All efforts have been made to ensure that material is accurate and current, however:

Stephen J Palmai makes no warranty, or guarantee, or promise expressed or implied, that the material on the site is complete or up to date.

Stephen J Palmai accepts no liability or responsibility for any loss or damage suffered as a result of direct or indirect use or application of any material or information on the Site.

The views and opinions of the many authors expressed via the site do not necessarily represent those of Stephen J Palmai. 

Copyright Notice

This website and its content are subject to copyright under the laws of Australia and other countries. Unless otherwise indicated, copyright in this website and its content is owned by Stephen J Palmai.

In addition, third parties may own the copyright in some materials incorporated within this website and, in such cases, written permission may be required from these parties to use such material. To seek written permission from the third-party source, you must contact them directly prior to using their content.

Users must not modify any content nor remove the copyright notice from any content on this website.

Other than as permitted under the Copyright Act 1968 (Cwth), no material on this website may be reproduced without the prior written consent of Stephen J Palmai.

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