Although every effort has been made to ensure the accuracy of the calculations, and since Munro Forensic Actuaries (Pty) Ltd and its subsidiaries have no control over the information and variables entered by the user, neither Munro Forensic Actuaries (Pty) Ltd nor its subsidiaries accept any liability in respect of any errors contained herein. Under no circumstances will Munro Forensic Actuaries (Pty) Ltd and its subsidiaries be liable for any loss or damages whatsoever arising from the use of the calculations.