information and examples provided herein are for information
purposes only. They should not be relied on as a substitute for
professional advice or as a substitute for the applicable
federal and provincial legislation.
the material in this site has been carefully prepared, Joji
Pantoja and her staff do not make any representations,
warranties or guarantees, express or implied, regarding the
accuracy or completeness of this information and will be
indemnified and held blameless for any use or misuse of the
following information contained herein.
use of the following information without full disclosure and
consultation will be the sole responsibility of the individual,
corporation, organization or any other entity using it.
information provided in this Web Site will change over time.
is the responsibility of the user as described above to not use
this information or any facilities described within in a way
that may be interpreted as unlawful.
designer of this site and/or any related persons or corporations
assume no responsibility or liability whatsoever for any losses
or damages of any sort resulting from the use or reliance upon
any materials presented hereinafter or from actions taken or not
taken based on information given to the users of this Web Site.