Disclaimer & Privacy Policy


The goal of this website is to provide readers and subscribers with practical tips, called Tools for Life Change, to enhance their personal lives.  This is done via articles published, as well as audio and video messages.

Every effort has been made to ensure the accuracy of the information provided.  It is important to take note of the following:  All information on this website is offered without warranty, either expressed or implied.  Therefore the owner of this website will not be held liable for any damages caused directly or indirectly by the information provided on it.



Personal information of subscribers to the Tools for Life Change Newsletter will never be sold or rent out.  It is collected solely for the purpose of sending out the newsletter to people who have subscribed for it.  Subscribers are asked from time to time to forward relevant newsletters to their friends.  If done so, the owner of this website can not be held reliable for any damages or irritations caused by this.

Every Tools for Life Change Newsletter has a section where subscribers can safely unsubscribe if they wish to do so.  Their names are taken off from the newsletter automatically and they should not receive any future newsletters.  If somehow it might happen that they receive another newsletter, they are asked to please inform the owner of this website, in order to check out the reason for this.


The DISCLAIMER & PRIVACY policy might be updated from time to time.

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