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The contents of Harmony’s publications are made available for information purposes only. They do not constitute an offer. Nothing in our publications should be relied upon as constituting legal or other professional advice and advice must be obtained from a suitably qualified professional before applying the information to particular circumstances. Neither Harmony Business Consultants nor any of its subsidiaries or affiliates accept any responsibility whatsoever for any loss occasioned to any person no matter howsoever caused or arising as a result, or in consequence, of action taken or refrained from in reliance on any of the contents of our publications.This website contains information about our services and areas of expertise; none of this constitutes an offer. It is provided for general use only and is subject to change without notice. Whilst we attempt to ensure its accuracy and completeness, none of the information on this website constitutes professional advice and should not be relied upon. To the fullest aextent allowed by law, we do not accept liability for any loss which may arise from reliance on the information on this website. Detailed specialist advice should always be obtained before taking or refraining from any action. Copyright of all information, text and images featured on this site is owned by or licensed to Harmony Business Consultants Ltd.