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Terms of Use Agreement and Disclaimer

The publisher, author of this ebook has made her best efforts in creating this eBook. The
contents and information presented in this book are prepared with utmost care by the author and every effort has been made by the author to present the data accurately.

 The publisher, author makes no warranties or statement with reference to applicability, accuracy and completeness of the contents of this eBook.

 The publisher and author disclaim any warranties (implied or express) or merchantability for any specific or general purposes. Therefore, the author and publisher will in no effect be held responsible for any indirect, direct, incidental, special, punitive or any other consequential damages originating indirectly or directly from the usage of this material, as the content is provided without any warranties.

 This product, ebook, is  copyrighted by Dr.Kumuda Gururao. Hence no part of the ebook may be copied, sold, changed to different format or used in any other way than is suggested in the ebook whatever be the circumstances.