Terms of Use

Last updated: 9 November 2026

By using Ray's Digital World you agree to these terms. If you do not agree, please do not use this blog.

General information only

Articles reflect my own experience and opinions. They are general information, not professional, legal or financial advice. Please consider your own circumstances before acting on anything you read here.

Copyright

Unless stated otherwise, the content on this blog belongs to Rahul Ray. You may quote short extracts with a link back to the original post. Please do not republish whole articles without permission.

Comments

Comments are welcome if they are respectful and relevant. I may remove spam, abusive or unlawful comments. You are responsible for what you post.

Links and advertising

This blog may link to other websites and may show advertising. I do not control those sites or ads, and a link or ad is not an endorsement.

Liability

I try to keep content accurate and current but cannot guarantee it. To the extent permitted by law, I am not liable for loss arising from your use of this blog. Nothing in these terms limits any rights you have under the Australian Consumer Law.

Changes

I may update these terms from time to time. The date above shows when they last changed.

Governing law

These terms are governed by the laws of New South Wales, Australia.

Contact

Questions about these terms can be sent through the Contact page.