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Whilst every effort has been made to make these documents easy to use correctly, each financial situation could have characteristics which might render their use inappropriate which is why it is always advisable to consult a certified financial advisor if there is any doubt. Accordingly neither the members, publishers, approving financial advisors nor distributors shall be liable to any person in respect of any loss or damage caused or alleged to be caused directly or indirectly by what is contained or omitted in any document or form.
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Each person's situation is, however, unique. If you feel that your particular needs require more specificity than provided within these standard documents, you should consult a registered financial advisor in your area.