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Legal Notices

All rights reserved. Without limiting the rights under the Copyright, Designs and Patents Act 1988 or the Copyright Licensing Agency Ltd, no part of this book may be reproduced, stored or introduced into a retrieval system, or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording, scanning or otherwise) without the permission in writing of the copyright owner and the publisher of this book, except by a reviewer, who may quote brief passages in a review.

Limits of liability/disclaimer of warranty. The publisher, the author and anyone else involved in the preparation of this work make no representations or warranties as to the accuracy or completeness of the contents of this work and specifically exclude all representations, warranties, obligations and liabilities to the maximum extent permitted by law, including without limitation, warranties of fitness for a particular purpose. This book sets out the personal views of the author. It is intended to be no more than a general overview and certain details have been deliberately omitted. The recommendations and examples contained herein may not be suitable for all individuals, businesses or situations. Every effort has been made to offer information that is current, correct and clearly expressed. This book is sold on the understanding that the author and publisher are not engaged in providing formal legal, accounting, or other professional advice and that no such advice has been given in this book.

Neither the publisher nor the author is responsible for the results of actions taken based on information contained in this publication, nor for any errors or omissions. They shall not be liable for any such errors or omissions and there shall be no liability for any loss, injury or damages of any kind caused by the use of the information contained within this book.


Endorsements and representations: Just because certain organisations and websites are referred to in this publication does not mean that the publisher or author endorses any information or is associated with any product that the organisation or website may provide. The names of organisations and the URLs for specific websites may be subject to change between the time of publication and when this book is read or referenced.


Use of names, currencies, income and costs. Company and individual names used in the Case Studies and examples are the product of the author’s imagination or are used fictitiously. Any resemblance to actual companies or businesses either active or inactive, and individuals alive or dead is entirely coincidental.


£ sterling is used as the currency unit (CU) in the Case Studies and examples but figures can be converted to any appropriate currency unit and relative purchasing power. Income and costs used are illustrative only and no reliance should be made on hourly rates quoted.  Some differences may occur in the tables and examples.

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