(I and we refers to Patrick
Ramon, owner of this website)
The author and publisher of this website and materials, have
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The author and publisher make no representation or warranties
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They disclaim any warranties (expressed or implied),
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advice of a competent legal, tax, accounting or other
professional should be sought.
The author and publisher do not warrant the performance,
effectiveness or applicability of any sites listed here. Any
potential results that are discussed on this site, or any sites
owned by the author and publisher, are for your guide only.
I cannot guarantee your success, in any particular endeavor.
What works for me, or my associates, may not work well for you.
This is a fact of life, and one that you should be fully aware
of when you act upon my advice.
All links are for information purposes only and are not
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