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This site is owned and operated by (“”). These terms of use apply to and govern your and any authorized user of your account if you have one, use of this site, including all services provided therein. Your use of this site signifies your agreement to be bound by these terms of use. If you do not agree to be bound by these terms of use, do not access or otherwise use this site. reserves the right, at its sole discretion, to change, modify, add or remove any portion of this site or these terms of use, in whole or in part, at any time. Changes to these terms of use will be effective when posted. You agree to review these terms of use periodically to be aware of any changes. Your continued use of this site after any changes to these terms of use are posted will be considered acceptance of those changes. grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon for your personal use only, provided that you comply fully with these terms of use. Your participation in on-line communications occurs in real time and is not edited, censored, or otherwise controlled by cannot and does not screen content provided by users of the site. Notwithstanding the foregoing, reserves the right to monitor content on the site and to remove content which, in its sole discretion, determines to be harmful, offensive, or otherwise in violation of these terms. In order to maintain an informative and valuable service that meets the needs of the users of the site and avoids the harm that can result from disseminating statements that are false, malicious, violate the rights of others, or otherwise harmful, it is necessary to establish the following rules to protect against abuse: Unless you are participating in an area of the site that requires or encourages anonymity, use your real name in online communications. You may not post or transmit any message which is libelous, defamatory or which discloses private or personal matters concerning any person.


You may not post or transmit any message, data, image or program which may be deemed indecent, obscene or pornographic. You may not post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion.


You may not interfere with other users use of the site. You may not post or transmit any file which contains viruses, worms, “Trojan horses” or any other contaminating or destructive features. You may not post or transmit any message which is harmful, threatening, abusive or hateful. It is not the site’s intent to discourage you from taking controversial positions or expressing vigorously what may be unpopular views; however, reserves the right to take such action as it deems appropriate in cases where the site is used to disseminate statements which are deeply and widely offensive and/or harmful. You may not post or transmit charity requests, petitions for signatures, chain letters or letters relating to pyramid schemes.


You may not post or transmit any advertising, promotional materials or any other solicitation of other users of the site for goods or services except in those areas (e.g., a classified bulletin board), if any, that are designated for such purpose. You may not list or send unsolicited mass emails to 10 people or more if such e-mail could reasonably be expected to provoke complaints from its recipients.


You may not use the facilities and capabilities of the service to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the site in any manner not allowed for herein. controls the operation of this site and makes no representation that these materials are appropriate or available for use in your specific locations. If you use this site from your locations, you are responsible for compliance with applicable local laws.


The entire contents of the site are copyrighted by under international copyright laws. You may print and download portions of material from the different areas of the site solely for your own non-commercial use. You may make:

(a) one machine readable copy,

(b) one backup copy, and

(c) one print copy of any portions of material downloaded from the different areas of the site solely for your non-commercial use.


Any other copying, redistribution, retransmission or publication of any downloaded material, is strictly prohibited without the express written consent of or any third party information provider to the site. You agree not to change or delete any proprietary notices from materials downloaded from the site.


Any material, information or other communication you transmit or post to this site will be considered non-confidential and non-proprietary communications. shall have no obligations with respect to the communications. and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use the communications and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes. No compensation will be paid with respect to the use of your submission, as provided herein. is under no obligation to post or use any submission you may provide and may remove any submission at any time in its sole discretion.




You understand that cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties.

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the site for the reconstruction of any lost data. You assume total responsibility and risk for your use of the site and the Internet. does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or non-infringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the site, any merchandise, information or service provided through the site or on the Internet generally, and shall not be liable for any cost or damage arising either directly or indirectly from any such transaction.

It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the Internet generally. does not warrant that the site will be uninterrupted or error-free or that defects in the site will be corrected.


The site and any software made available on the site are provided on an “as is, as available” basis. The documents and related graphics published on this site may include technical inaccuracies or typographical errors. Changes are periodically made to the information herein. and/or its respective suppliers may make improvements and changes in the product(s) or the program(s) described herein at any time.


Some links on this site may let you leave ‘s site. The linked sites are not under the control of and is not responsible for the contents of the linked site, any linked site contained in a link site, or any changes or updates to such sites. provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by of the site. You understand further that the Internet contains unedited materials some of which are sexually explicit or may be offensive to you. You access such materials at your risk. has no control over and accepts no responsibility whatsoever for such materials.



Under no circumstances, including, but not limited to, negligence, shall be liable for any indirect, special, exemplary, or consequential damages that result from the use of, or the inability to use, the site, the site materials, or the software, even if has been advised of the possibility of such damages.


Applicable law may not allow the limitation or exclusion of liability or exemplary, incidental, or consequential damages, so the above limitation or exclusion may not apply to you.

In no event shall ‘s total liability to you for all damages, losses, and causes of action (whether in contract, tort [including, but not limited to, negligence, or otherwise) exceed the amount paid by you, if any, for accessing this site.




You agree to indemnify, defend and hold harmless, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the site from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by you.

The provisions of these Terms of Use are for the benefit of and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.



You understand and agree that may, in its sole discretion and at any time, terminate your password, account or use of any forum, and discard and remove any content posted or submitted by you to any forum, for any reason. may also, in its sole discretion and at any time, discontinue any forum or limit or restrict any users access thereto, for any reason. You understand and agree that may take any one or more of these actions without prior notice to you.


Should take any of these actions, it may, in its sole discretion, immediately deactivate and/or delete any or all information about and concerning your account, including your Registration Information and submitted content.

You understand and agree that shall not have any liability to you or any other person for any termination of your access to any forum and/or the removal of information concerning your account.


USE OF MATERIAL encourages individuals and organizations to share their impressions of materials; in fact, we maintain that sharing is one of the best methods to internalize content. However, our worldwide organization has the stewardship of providing professional education, development and coaching and disseminating material.

In doing so, it is essential for us to maintain the integrity of our material and ensure that there is accurate and appropriate representation and presentation of our materials. actively pursues unauthorized use of its materials to the extent known by materials are protected by international copyright and trademark laws. is bound by those laws to regulate the use of their intellectual property. For this reason, the following are ways in which allows its material to be used:



Your organization may become licensed to use material internally. also offer open enrollment, corporate and customized products and services that may fit your needs. has licensed and franchised or otherwise worked cooperatively with organizations that have expressed an interest in utilizing the concepts in our material within their organization and would welcome the opportunity to do so with you.

To learn more about our licensing & franchising procedures, please call (65) 6338 5669.



If you would like to use materials on a limited basis, you must submit a request to do so. reviews each request on a case-by-case basis, and may or may not approve your request in its sole discretion. Please allow 3-7 weeks for your request to be processed. will notify you in writing of its decision to either approve or disapprove your request.

Additional use fees may be charged in's reasonable discretion. Permission is hereby granted to you, an individual user of this site, without further written authorization from for you to print out or photocopy up to ten (10) copies of an article found of this site subject to the following terms and conditions:

The article must be owned by periodically posts articles from third party sources. Permission must be obtained from the proper owner. The article copies may only be distributed free of charge and for personal reference only.

The article copies will not be used or distributed as part of a education, development & coaching program or in conjunction with any product and/or service. You agree to include the existing copyright found at the bottom of the article on each copy.

If a copyright notice does not exist, you agree to include the following notice with each copy: © [Year] Reprinted with permission from All rights reserved.

Permission is hereby granted to you, an individual user of this site, without further written authorization from for an individual or organization to excerpt quotes from a product and services, subject to the following terms and conditions:

* The excerpted quote must be owned by utilizes quotes from third party sources throughout its products. Permission must be obtained from the proper owner.
* The quote is less than fifty (50) words and does not include trademarks.
* The quote is used as less than five percent (5%) of the entire work in which it will appear.
* The quote is used within text or as a stand alone quote as long as the quote does not appear as a chapter heading, title, on the book cover, on product packaging, or on marketing pieces.
* The quote is not used in any manner that is taken out of content or misrepresents the intended meaning of the author.
* Proper acknowledgement to the author and source of the quote (book, article, etc.) must be included with the quote.
* Use of a model or graphic in connection with a quote is prohibited without further written authorization from

Any use not allowed for in this Section requires separate review and written permission from

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