PHK Consultants opened this site for the personal information of its users. No commercial exploitation, no reproduction and/or representation, even partial of the data which are presented there, could be carried out, without prior and written PHK Consultants consent. Nothing on this web site should be construed as constituting a proposition of contract between PHK Consultants and any one else.

PHK consultants declines any responsibility for any direct or indirect damage that may result from using its site or any decisions taken on the basis of information found there. PHK consultants also rejects any liability for viruses that may infect your computing system while accessing or browsing its site and its files you may download. The user of this web site recognises to use these information under his own responsibility.