Expense Sharing Application Help & Information (Back to the application)

Frequently asked questions (FAQ's):

Points to be noted have been highighted in red.

  1. What are the things I need to do before I start using this application?
  2. How could this application be used in practice?
  3. Any general tips on how to use this application?
  4. How do I enter an expense?
  5. How do I amend/edit an expense?
  6. How do I delete an expense?
  7. How do I close or open an expense?
  8. How do I enter a loan?
  9. How do I sort the "Expense Listing?
  10. What do the different expense status icons mean?
  11. Why did the expense disappear when I closed it?
  12. How do I enter an expense where another person (or persons) owes me and the expense is not to be shared?
  13. How do I enter an amount where the expense is not to be shared (i.e.the only participant is the payer)?
  14. One person should pay more (or less) than an even split of an expense. How can I do this?
  15. What do the "Participants Portion only" input boxes do?
  16. How do I handle expenses in a foreign currency?
  17. What are the implications of changing the base currency?
  18. Will changing the foreign currency rate affect earlier expenses that use that rate?
  19. Why can I enter negative amounts in the "Participant's portion only" fields?
  20. How do I add, amend or delete a participant?
  21. How do I add another currency, delete a currency or amend the rate for an existing currency?
  22. How do I add, amend or delete a regular expense?
  23. How do I change the payer of an expense?
  24. How do I set the default consumer tax rate?
  25. How do I turn off field help tips?
  26. How do I turn off update success messages?
  27. Why is the participant dropdown empty?
  28. How can people enter expenses independently?
Contact me if you couldn't find the answer here




Frequently asked questions (FAQ's) (Back to the top)

1) What are the things I need to do before I start using this application? (Back to the top)

There are a few things that should be done before using this application. These are set out here more or less in order of importance.


2) How could this application be used in practice? (Back to the top)

This application could probably be useful to people who are share a house or are members of some other fairly static (unchanging) group that need to share expenses.
A suggested method would be to collect expense documents (invoices, receipts, scribbled notes, etc.) in a box. Write on each document who actually paid and the parties who will share in the expense.

If the bills are itemised, include a note against any specific items that apply to one person only and are not to be shared. Where a portion of an expense applies to only one person, the total (if there are multiple items that are for one person only, they will need to be added together) of these amounts must be entered in one of the " Participant's portion only" boxes (depending on whether the amounts include tax already or don't). On an itemised list, all items that have no name against them are to be shared.

At the end of the month (or as often as required), generally one person (although this task can be shared) enters all the expenses in the application.

Example of splitting a single itemised bill (amounts already include tax):

Item 1        30-00        (Person A)
Item 2        45-00        (Person B)
Item 3        26-00
Item 4        36-00
Item 5        25-00        (Person A)
Total        162-00
TAX of 27-00 (at a rate of 20%) is included in the above total
If both Item 1 and item 5 are only for Person A, then an amount of 55 (30 + 25) should be entered in the "Participant's Portion Only (with tax)" column for Person A.
Item 2 is only for Person B, so an amount of 45 should be entered in the "Participant's Portion Only (with tax)" column for Person A.

Enter the following values in the application:
Example of splitting an itemised bill (amounts already include tax):
Screenshot - Expense split - 2 people

Two suggested methods for a system of sharing expenses on a long term basis are:
At any stage, expenses could be exported so that you have a record outside of the application.


3) Any general tips on how to use this application? (Back to the top)


4) How do I enter an expense? (Back to the top)

  1. Click on the "Add an Expense" button. A new expense header line appears.


  2. Screenshot - Add expense(blank header)

  3. Complete all the required fields on the expense header. The fields that are available are:

    • Expense Description - This is always required.
      Manually type in an expense description or select one of the saved expense descriptions (regular expenses) that appear in the dropdown list.
      You can amend the description even if you have used the dropdown list.
      If a regular expense is required but does not appear in the dropdown list, you need to add it.

    • Expense Date - This is an optional field and can be left blank.
      If you wish to fill out this value, click on the dropdown arrow to bring up the calandar control and then select the appropriate date.

    • Total Amount - This is always required.
      The total amount should be the figure that includes any tax that was payable, i.e. it should be the total amount that was charged for the expense.

    • Who Paid? - This is always required.
      This is the person or party who actually incurred the expense.
      Click on the dropdown list and select the appropriate person or party. This list is populated from the participants you have entered on the settings tab.
      If the required person or party does not appear in the dropdown, you will need to add them.

    • Currency - This is always required but the user's base currency will default in.
      If another currency is required, select if from the dropdown list. This list is populated from the currencies you have entered on the settings tab.
      If the required currency does not appear in the dropdown, you will need to add it.

    • Exchange Rate - This is required if you have selected another currency besides your base currency.
      If the currency of the expense is your base currency, the "Exchange Rate" field is not visible and no rate is required to be entered.
      If the currency of the expense is not your base currency, (i.e. you have selected another currency from the dropdown list), the "Exchange Rate" field is visible and a rate is required to be entered. The "Exchange Rate" can be overwritten if it has defaulted in from the rates you set for currencies on the settings tab.
      If the rate that has defaulted in is not correct, it can be updated.
      The rate cannot be zero.

  4. Save the expense by clicking on the "Save/Update" button. The expense is saved and the expense payer is added as a participant to the expense.
    Note that the expense cannot be saved until all the required fields have been completed. The "Save/Update" button is only enabled when all required fields have been completed.


  5. Screenshot - Add expense(single participant)

  6. Add other participants to the expense - An expense has no effect on the "statement of amounts owed" until participants (other than the expense payer) are added. If the person who paid is the only party to the transaction, then no one owes anything as the payer cannot owe himself.

  7. Complete all the required fields for the participant. The fields that are available are:

    • Participant - this is always required. A participant expense cannot be added without first selecting a participant.
      If a required participant does not appear in the dropdown list, that person will need to be added in the "Participants" section on the settings tab.

    • Participant's portion only(with tax) - this is an optional field. Enter the portion of the expense (inclusive of consumer tax) that is attributable to that participant only.

    • Participant's portion only (excluding tax) - this is an optional field. Enter the portion of the expense (excluding consumer tax) that is attributable to that participant only.

    • Tax Rate % (for amount excluding tax) - This field is related to the "Participant's portion only (excluding tax)" field. It has no effect unless a value is entered in the "Participant's portion only (excluding tax)" field.
      It grosses up the "Participant's portion only (excluding tax)" value using the provided tax rate percentage.

      The "Tax Rate %" can be overwritten.
      The tax rate will default in when each new participant is added to the expense.
      If the tax rate (the one that is most often required if there are several rates in your country) is not correct, it can be changed. Some countries may have several consumer tax rates, for example there may be different rates for basic goods and luxury goods. This application will only hold one tax rate so if the rate that applies to the expense in question is not the rate you have saved as the consumer tax rate, you will have to manually change the tax rate. You need to check the detailed invoice for the expense in question to see what tax rate applies to a certain item.

      NOTE: You may need to manually change the tax rate if there are several different consumer tax rates in your country.

  8. Click on the "Add" button. A new participant is added to the expense.
    Repeat the add participant step until all required participants have been added.

  9. Screenshot - Add expense(2 participants)


5) How do I amend/edit an expense? (Back to the top)

An expense can only be edited if it is in the "Add/Edit Expense" section at the top of the main application screen.
If the expense is not in that position you need to find it in the "List of all expenses" (if the list is hidden you should click on the title "List of all Expenses" to expand the list) which appears below the "Add/Edit Expense" section.
Click on the "Edit" button next to the expense that you wish to edit.

Screenshot - Edit expense(list)

The expense will be moved to the "Add/Edit Expense" section.
Once the expense is in this section it can be edited in the normal way.

Screenshot - Edit expense(header)

Note that every line (the main expense header and each of the one or more participants that have been added to the expense) that needs to be edited should be updated separately.


6) How do I delete an expense? (Back to the top)

An expense can be deleted from two places: if it is in the "Add/Edit Expense" section or if it is in the "List of all expenses" section:

  • If the expense appears in the "Add/Edit Expense" section, click the "Delete" button on the right of the expense header line.
    A success message will appear (if these are enabled) and the expense will be deleted.

  • Screenshot - Delete expenses(header)

  • If the expense appears in the "List of all expenses" section, there are 2 options for deleting the expense:
    1. If the expense appears in the "List of all expenses" section, click the "Delete" button on the right of the appropriate expense line.
      A success message will appear (if these are enabled) and the expense will be deleted.
      Note that only the expense header is displayed in the "List of all expenses" (you cannot see details of the other participants) so be sure that you are deleting the correct expense.

      Screenshot - Delete expenses(list)single

    2. If the expense appears in the "List of all expenses" section, you can also use the bulk functionality to delete one or more expenses. Select the expense or expenses you wish to delete by clicking on the appropriate checkboxes. Select the "Delete" item from the "bulk action" dropdown list directly above the checkboxes. Then click the "Run Bulk Action" button.
      A success message will appear (if these are enabled) and all the selected expenses will be deleted.

      Screenshot - Delete expenses(list)bulk

  • NOTE: An expense cannot be recovered once it has been deleted. All participants that are sharing in the expense will also be deleted.


    7) How do I close or open an expense? (Back to the top)

    An expense can be open or closed from the Expense Edit section or from the "Expense List" section.
    If an expense is already open, the button will display "Close" and if the expense is already closed, the button will display "Open".

  • If the expense appears in the "Add/Edit Expense" section, click the "Open/Close" button on the right of the expense header line.
    A success message will appear (if these are enabled) and the expense will be opened or closed.

  • Screenshot - Close expenses(header)

  • If the expense appears in the "List of all expenses" section, there are 2 options for opening or closing the expense:
    1. Click the "Open/Close" button on the right of the appropriate expense line.
      A success message will appear (if these are enabled) and the expense will be opened or closed.

      Screenshot - Close-Open expenses(list)single

    2. If the expense appears in the "List of all expenses" section, you can also use the bulk functionality to open or close one or more expenses. Select the expense or expenses you wish to open or close by clicking on the appropriate checkboxes. Select the "Open" or "Close" item from the "bulk action" dropdown list directly above the checkboxes. Then click the "Run Bulk Action" button.
      A success message will appear (if these are enabled) and all the selected expenses will be opened or closed. If expenses are already open and then opened again using the bulk open functionality, there is no negative effect. Likewise if expenses are already closed and then closed again using the bulk close functionality, there is no negative effect.

      Screenshot - Close-Open expenses(list)bulk

  • Only the open expenses are taken into account when calculating the amounts due between participants.
    The ability to open and close expenses allows different scenarios to be tested by isolating the expense you wish to test.

    For example if you want to see how a single expense is split between the various participants you could close any other open expenses and then reopen them when you understand how the split will be handled by the system.

    Or if you need to share an expense or expenses with participants other than whom you normally share expenses, you could temporarily close the original expenses while you calculate what is due with these once off participants. Afterwards you would reopen the original expenses.

    NOTE: The calculation of amounts due between parties is only based on open expenses. Closed expenses are excluded from the "Summary of Amounts Owed".


    8) How do I copy an expense? (Back to the top)

    An expense can be copied from the "Add/Edit Expense" section or from the "List of Expenses" section.

  • If the expense appears in the "Add/Edit Expense" section, click the "Copy" button on the right of the expense header line.
    A success message will appear (if these are enabled) and the expense will be copied.

  • Screenshot - Copy expenses(header)

  • If the expense appears in the "List of all expenses" section, there are 2 options for opening or closing the expense:
    1. If the expense appears in the "List of all expenses" section, click the "Copy" button on the right of the appropriate expense line.
      A success message will appear (if these are enabled) and the expense will be copied.

      Screenshot - Copy expenses(list)

    2. If the expense appears in the "List of all expenses" section, you can also use the bulk functionality to copy one or more expenses. Select the expense or expenses you wish to copy by clicking on the appropriate checkboxes. Select the "Copy" item from the "bulk action" dropdown list directly above the checkboxes. Then click the "Run Bulk Action" button.
      A success message will appear (if these are enabled) and all the selected expenses will be copied as new items.

      Screenshot - Copy expenses(list)


  • NOTE: Copied expenses will have the word "Copy" appended to the end of the description. Copied expenses are also created open so even if the original expense was closed, the copied expense will be open.

    9) How do I enter a loan? (Back to the top)

    This is handled the same as the situation where one person pays but the full amount is owed to them by another person. A loan from Person X to Person Y is entered in the normal way that an expense is added, i.e. Person X is the payer and Person Y shares in the expense.
    The only difference between entering a loan and entering an expense to share is that the full amount must be made attributable to Person Y. This effectively means that the total amount is owed by Person Y to Person X.

    So if Person X loans $100 to Person Y, the total expense amount is entered as $100 paid by Person X. Person Y is the only other person added as a participant. The full amount of $100 is entered as attributable to Person Y.
    In the "statement of amounts owed", Person Y will owe $100 to Person X.


    Screenshot - Loan

    10) How do I sort the "Expense Listing? (Back to the top)

    The "Expense Listing" section can be sorted in an ascending or descending order on the following attributes: Method:
    1. Select the attribute to sort on from the first dropdown box.
    2. Select the sort order (ascending or descending) from the second dropdown box.
    3. Click the "Sort Expense List" button.

    Click the "Default Sort Order" button to return to the default order. This is a shortcut button and is the same as selecting "Creation Order" and "Descending" from the dropdown list sort fields.


    Screenshot - Sorting the "Expense Listing"

    11) What do the different expense status icons mean? (Back to the top)

    There are 4 different icons:

    12) Why did the expense disappear when I closed it? (Back to the top)

    Sometimes if you close an expense, it will disappear from the screen. The "Show closed expenses" checkbox setting (in the "List of Expenses" section) controls whether closed expenses appear in both the "Add/Edit Expense" section and the "List of Expenses" section.
    So, whether the expense remains on screen or disappears when it is closed, is dependent on if the "Show closed expenses" checkbox is set to display or not.


    Screenshot - Show Closed Expenses

    13) How do I enter an expense where another person (or persons) owes me and the expense is not to be shared? (Back to the top)

    This is handled the same as a loan. Person A pays an expense but the full amount is owed by person B to Person A.

    If Person A pays £100 on behalf of Person B, the total expense amount is entered as £100 paid by Person A. Person B is the only other person added as a participant. The full amount of £100 is entered as attributable to Person B.
    In the "statement of amounts owed", Person B will owe £100 to Person A.


    Screenshot - Expense wholly attributable to another

    If Person A pays £100 on behalf of Person B and Person C (both owe Person A £50), the total expense amount is entered as £100 paid by Person A. Person B is added as a participant. An amount of £50 is entered as attributable to Person B.
    Person C is also added as a participant. An amount of £50 is entered as attributable to Person C.
    In the "statement of amounts owed", Person B and Person C will owe £50 to Person A.


    Screenshot - Person A wholly owed by 2 others

    14) How do I enter an amount where the expense is not to be shared (i.e.the only participant is the payer)? (Back to the top)

    If only the payer is a participant to the expense (Note: the payer is automatically created as the first participant to an expense), the expense has no effect on the "statement of amounts owed" because payers cannot owe themselves.
    The only reason for entering an expense with no other participants (besides the payer) would be to have a memorandum record of the expense.


    15) One person should pay more (or less) than an even split of an expense. How can I do this? (Back to the top)


    16) What do the "Participants Portion only" input boxes do? (Back to the top)

    The "Participants Portion only" input boxes are only required if a particular person or party needs to pay more(or less) than another for a particular expense. For a given expense, if the split is perfectly even between the participants (the persons or parties who need to share the cost of the expense) then these fields are not required. The only thing you would need to do in this case to share the expense, is add the appropriate participants to the expense.

    Where an expense will not be split evenly, there may be an item (or items) on the expense that is/are stated inclusive of tax. There may also be an item (or items) on the expense that is/are stated exclusive of tax.
    The section below, sets out to explain how these should be handled in the application to ensure an equitable split of expenses between the parties.


    17) How do I handle expenses in a foreign currency? (Back to the top)

    Handling foreign currency expenses is unfortunately inescapably more complicated than a standard expense in your base currency.

    NOTE: Whenever you enter a foreign currency rate, ensure that you have the rate the right way round!

    A suggested approach is as follows:

    If you don't want to use the foreign currency functionality at all you could just convert the expense into your base currency (in the case of the third scenario above, "Purchases made using a bank card or credit card", this conversion is already done for you). Generally, apart from the third scenario, not using the application foreign currency would be more difficult than using it especially if there are multiple expenses or foreign currency transactions are not to be split evenly amongst the participants (which will require multiple conversions to base currency).

    If you can't be bothered with caculating the rates, you could just use a general rate for all transactions although this obviously wouldn't be as accurate as using the methods above.

    18) What are the implications of changing the base currency? (Back to the top)

    The base currency can be easily changed when there are no expenses entered or all expenses have been deleted prior to the base currency being changed.
    If there are any expenses in the system, there are some things to be aware of.

    There are 2 scenarios:

    The effect of having expenses with an exchange rate of zero is that the "Statement of amounts owed" cannot be calculated. A message will appear on screen to this effect and will prompt the user to enter exchange rates for all the expenses with a rate of zero. This message will appear until all expenses have either been given an exchange rate or have been deleted.

    For example, there are 4 expenses set up in the system and the base currency is GBP. 2 of the expenses are in USD, 1 expense is in GBP and 1 expense is in EUR.
    If the base currency is then changed to USD, the GBP expense and the EUR expense will have their exchange rates to the USD (the new base currency) set to zero. The system will prompt you to set exchange rates to the USD for these 2 expenses.
    The 2 USD expenses are now in the base currency (and therefore will have a rate of 1) so nothing needs to be done for them.

    Before Base Currency Change
    Screenshot - Before base currency change

    After Base Currency Change
    Screenshot - After base currency change

    19) Will changing the foreign currency rate affect earlier expenses that use that rate? (Back to the top)

    Changing the foreign currency rate does not affect the rate for previous expenses that are in that foreign currency.
    The foreign currency rate that is held against an expense is independent of any changes made to the rate for that foreign currency on the settings tab.


    20) Why can I enter negative amounts in the "Participant's portion only" fields? (Back to the top)

    Negative amounts can be entered to allow "negative offsets" to be entered.
    Make sure you understand how these work before trying to use them.


    21) How do I add, amend or delete a participant? (Back to the top)

    Participants are the people/parties who share in the expenses but the same list is used for the expense payers. The minimum number of participants required is 2 if you are sharing expenses with one other person. A participant's name must be unique - duplicates cannot be added.


    22) How do I add another currency, delete a currency or amend the rate for an existing currency? (Back to the top)

    Currencies are required if you have expenses in multiple currencies. If you only have expenses in your base currency you can ignore this section.


    23) How do I add, amend or delete a regular expense? (Back to the top)

    Regular expenses are just provided to make data entry easier. They allow expense descriptions to be added to a dropdown list so they are available for quick selection instead of manually typing in the expense description. A regular expense description must be unique - duplicates cannot be added. You can choose to utilise regular expenses or you can ignore them.


    24) How do I change the payer of an expense? (Back to the top)

    On the expense header, click on the "Who Paid?" dropdown list and select a new payer.
    Click on the "Save/Update" button.
    A success message will appear (if these are enabled) and the new payer will be automatically entered as a participant to the expense (as well as becoming the payer of the expense).

    NOTE: The original payer will remain as a participant to the expense. If this participant is not required, it will need to be manually deleted.


    25) How do I set the default consumer tax rate? (Back to the top)

    The consumer tax rate may need to be changed (for example if have moved to another country or if the rate in your own country changes).
    On the settings tab, click on the entry field to the left of the "Set Default Consumer Tax Rate" button.
    This will already have a value in it from the initial setup and because this value cannot be 0 (zero).
    Amend the rate to what it should be. Click on the "Set Default Consumer Tax Rate" button.
    A success message will appear (if these are enabled) and the rate is updated.
    The new rate will be automatically defaulted in when additional participants are added to an expense.
    There may be several different consumer tax rates in your country. As this application will only hold one tax rate, you should save the most commonly used rate.
    For example if there is a luxury rate of consumer tax and a standard rate, you are more likely to require the standard rate, so this is the rate that should be saved.

    NOTE: The actual percentage rate should be entered, not a decimal, so if the consumer tax rate is 21%, enter 21 not 0.21.


    26) How do I turn off field help tips? (Back to the top)

    On the settings tab, click on the dropdown list to the left of the "Hide Field Help Information" button.
    Select "Y" to hide field help information. Select "N" to show field help information.


    27) How do I turn off update success messages? (Back to the top)

    On the settings tab, click on the dropdown list to the left of the "Hide Database Update Success Messages" button.
    Select "Y" to hide update success messages. Select "N" to show update success messages.


    28) Why is the participant dropdown empty? (Back to the top)

    A participant can only be added to an expense once. Once a particular participant has been added to an expense, it is no longer available to be added to that same expense.
    If another participant needs to be added to the expense then that participant needs to be added as a brand new participant.


    29) How can people enter expenses independently? (Back to the top)

    Generally a single person of an expense sharing group would enter all the expenses into the application and let the other parties know how much they owe. However you can share your login details so that other people can also enter expenses. It's entirely up to you if that's how you want to do it.







    About this application: (Back to the top)

    This application has been designed to allow expenses to be shared between two or more parties, in varying combinations, on an ongoing basis.
    It is meant to be as simple as possible while still allowing complicated scenarios to be handled. In its most basic form, it can be used to share expenses between 2 people in a single currency (the user's base currency).
    Amounts owed are cumulatively totalled and netted off so that only the final balance between any 2 parties is shown.
    In theory, an unrestricted number of people can share an unrestricted number of expenses in any combination of expense payer and expense participant.
    Expenses can also be entered in any world currency with input facilitated by holding foreign currency rates against the base currency.
    The base currency of the application can be changed.
    The system can handle offsets - where one person or party should pay more (or less) than everyone else.
    It can handle amounts loaned from one person or party to another.
    A summary of the amounts due can be exported in csv format (which can be opened in Excel).
    Expenses can be closed (and then reopened) so that they can be excluded from the calculation of amounts due.








    Mission Statement: (Back to the top)

    The main aims of this application are :

    • To provide an intuitive and useful (timesaving) way to divide expenses between parties.
    • To provide clear help information to assist users in using the website.
    • To listen to user feedback and incorporate helpful suggestions into the application functionality.
    • To strive to improve the user's experience.
    • To secure the user's data so that it cannot be illegally accessed.
    • To never sell user's contact details or other private data.
    • To vet all advertising on the website so that only advertisements for reputable products or services are displayed.








    Glossary of terms: (Back to the top)

    The following terms may need further clarification:

    • Base currency - this is the currency that your expenses are mainly incurred in. This would usually be the currency of your country of residence but it does not have to be.

    • Closed Expense - an expense that will NOT be taken into account when calculating the amounts due between participants in the "Summary of amounts owed" section. These expenses are shown with strikethrough text in the "List of Expenses" section and the "Edit Expense" section to indicate they are closed.

    • Consumer tax rate - this is the rate of tax in your country. It is normally called General Sales Tax (GST) or Value Added Tax (VAT) or just Sales Tax.
      Some countries may have multiple rates for example there may be different rates for basic goods, standard goods and luxury goods. This application will only hold one rate so you should save the rate that is most likely to be applied (usually the standard rate).

    • "Edit Expense" section - this section is where an expense can be edited. An expense cannot be edited if it is not in this section. Click the "Edit" button next to an item in the "List of Expenses" section to move it to the "Edit Expense" section.
      The expense participants are visible when an expense is in the "Edit Expense" section.

    • "List of Expenses" section - this section shows all the expenses (both open and closed) that have been entered in the system. This list can be hidden and it can also be sorted by any field in an ascending or descending order.

    • Open Expense - an expense that will be taken into account when calculating the amounts due between participants in the "Summary of amounts owed" section.

    • Participant - a person or party sharing in an expense, i.e. a person or party that owes another for expenses incurred by that other person or party. The same list is used for the expense payers.
      An expense cannot be shared if the only participant is the expense payer. At least one other participant needs to be added for the expense to be shared.

    • Payer - a person or party who actually pays the expense and thus is owed by other people or parties. A payer automatically becomes a participant in an expense. An expense cannot be shared if the only participant is the payer. At least one other participant needs to be added for the expense to be shared.

    • Regular expense - an expense that reoccurs on a regular basis, e.g. Electricity and Gas. The application can store such repeated expense descriptions in a dropdown list, which should speed up input of expenses.

    • "Summary of amounts owed" section - this is the whole purpose of the application. This section shows who owes who. It is only based on the open expenses. Closed expenses are completely excluded from the calculation. Amounts are netted off between the parties.








    Disclaimer: (Back to the top)

    • Expense sharing calculation - Every effort is made to ensure that the information provided by this website is correct and accurate. Notwithstanding this, no liability is accepted for any loss or inconvenience caused by reliance on the information provided by this site or by incorrect use of this site leading to erroneous results being generated.
      It is your responsibility to ensure and check that you are using the functionality correctly.

    • External web links and advertisements - This website contains links to other websites and advertisements. While every attempt is made to vet these, no liability will be accepted for any loss suffered as a result of reliance on the information provided by such websites or advertisements.








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