melissa caddick son cranbrook
There were also hundreds of supposed sightings claimed after her disappearance. Prices after the introductory pricing period may be varied as per full Terms and Conditions. Subscribe here: http://9Soci.al/chmP50wA97J Full Episodes: https://9now.app.link/uNP4qBkmN6 | The Money Trail (2021)The macabre discovery of Melissa Caddicks decomposed foot on a beach 400 kilometres from where she was last seen in Sydney has done little to quieten speculation about the accused 49-year-old con-woman. It also explains how you can access or seek correction of your personal information, how you can complain about a breach of the Australian Privacy Principles and how we will deal with a complaint of that nature. Her partial remains washed up in a running shoe in February 2021. This would make leaving the country via plane highly unlikely. Underbelly: Vanishing Act show posited that Caddick was involved with a fictitious underworld figure called George. By Angela Andaloro Written on Sep 16, 2022. She promised she could do the same for them. We are no longer accepting comments on this article. Secret ten: How could Melissa Caddick live with herself after ripping off family and friends? One source familiar with the case said Ms Caddick's son attended the nearby Cranbrook School, raising concerns that other school parents may have entrusted savings to her. Her Wallangra Road home at Dover Heights is valued at $9million, and she bought a penthouse at Edgecliff for her parents, valued at $2.5million. Melissa Caddick and her one-time accountant Cyril John Pearson who is a former bankrupt and was jailed for fraud. Girls father arrested for discrediting the Russian army for an anti-war comment he wrote on social media. An insider has revealed the scandalous butt-dial from MAFS' Rupert to Evelyn exposing Dan's 'disgusting' behaviour 'never happened'. Prices after the introductory pricing period may be varied in accordance with the full Terms and Conditions. On Friday, assistant commissioner Mick Willing said foul play against Caddick was possible but suicide was more likely. Melissa Caddick, a 49-year-old mother, mysteriously disappeared from her $ 6.2 million mansion in Dover Heights in the eastern suburbs of Sydney on November 12 and has not been seen since. Its like going up to a preschool kid and taking the lunch money from their bag. See www.dailytelegraph.com.au/subscriptionterms for full details. Theory That Missing Fraudster Cut Off Her Own Foot To Fake Her Death Revived By New Inquest, Diver Who Found Kiely Rodnis Body Suspects Foul Play As Witness Claims She Was With A Man After Disappearance, Casey Anthony's Ex-Friend Reveals Why He Was Wrong To Believe She Murdered Caylee, Investigator Reveals Theory About JonBenet Ramsey Ransom Note That May Help Identify Her Killer, Video Surfaces Of Justin Bieber Saying He's 'Turned On' While With Kendall Jenner, Mom Says Her 'Freebirth' Alone In Her Kitchen Was 'Painless' & 'Euphoric', Single Mom Struggles To Feed Her Two Kids So Her Son Sells His Only Toy To Help, The Heated Battle For Charles Mansons Estate Is Coming Closer To A Conclusion. A post-mortem examination of the foot found at Bournda Beach on the NSW south coast on February 21, 2021 - and matched to her DNA - proved inconclusive. Authorities believe Caddick misappropriated about $30 million in funds from family and friends during that time, showing them false documentation that led them to believe they had investments and were making money from their shares. There's always a chance she cut her foot off and is still alive, though it's pretty fanciful,' he told 2GB in March 2021. Missing fraudster Melissa Caddick, who misappropriated millions of dollars from her clients, used the services of a former bankrupt accountant who had been banned for ten years from managing a corporation as well as jailed for embezzling money from a superannuation fund. Even the NSW police commissioner Mick Fuller added to it. As she got hold of funds from new investors, she would make payments to earlier ones - encouraging them to invest even more. This website is using a security service to protect itself from online attacks. The discovery led authorities to believe she might be dead. Ms Caddick is reported missing to police by her husband, 30 hours after her disappearance. Find out where it is. He once boasted in a corporate video that the art of tax planning is to divide, to defer, to delete and to discount.. 2023byTango Publishing Corporation All Rights Reserved. 103.244.44.106 In February 2021, a severed foot washed up on the New South Wales south coast, on Bournda Beach. She didn't even have a real financial advisor's licence. Businesswoman Melissa Caddick's disappearance has captivated public attention, amid allegations she stole millions of dollars from her clients. Some believe that Caddick could be living without her foot and still be alive and in hiding. Ms Caddick vanished in the early hours of November 12, 2020. 'It's hell': Aussie renters being 'cooked from above' in sweltering homes, Mechanics steal iconic actor's coffin in attempted get-rich-quick scheme, Man shot dead outside martial arts gym in south-west Sydney. Melissa Caddick during an ASIC raid on her house in November. Ms Caddick went missing from her Dover Heights home in Sydney's east in November 2020, a day after ASIC executed a search warrant for her mansion. Renewals occur unless cancelled as per full Terms and Conditions. * Readers seeking support and information about suicide prevention can contact Lifeline on 13 11 14 or Beyond Blue on 1300 224 636. The BBC is not responsible for the content of external sites. Oceanographer David Griffin told the inquest it was possible her body entered the water when she was last seen in November 2020, then floated close to the ocean floor in strong currents for about 93 days before resurfacing in February 2021. NSW police commisisoner Fuller said many people had fell from eastern suburbs cliffs without their remains washing up several hundred kilometres away. The November 11, 2020 raid was the last time Caddick was seen. It is a theory shared by criminologist Dr Xanthe Mallett. Police reveal DNA analysis has found the foot is Ms Caddick's. The court has already ordered $66,000 in legal fees be paid and a weekly allowance of $1,700 for Koletti and Caddick's son's living expenses. She took overseas holidays, often flying first class. 1 stylist. Since her disappearance, the spotlight has not shone on Mr Koletti, 41, her second husband, a former hairdresser, DJ and part-time prawn farmer. A group of 15 investors represented by Bridges lawyers stated in a 6 February position paper prepared for the court that great haste should be exercised in selling assets linked to Caddick, including the Dover Heights property and another in Edgecliff in which her elderly parents live. Theyre decent, honest people. Get the latest stories delivered straight to you, a day after ASIC executed a search warrant for her mansion, discovered a running shoe containing human remains while walking along Bournda Beach, some 400km from Ms Caddick's Dover Heights mansion, Deadly find in Woolworths grapes: 'Happens more than you think', Fishermen find remains of missing man inside shark, Disgusting find in Sydney wastewater creates $15 million problem, The surprise Aussie beach rated among the best in South Pacific, Lisa Wilkinson responds to Lehrmann defamation action, Sarah Michelle Gellar Just Wore a Totally See-Through Bra on Instagram for the Best Reason, King Charles offers Harry and Meghans Frogmore Cottage home to Prince Andrew, Think Twice Before Buying From These 2 Stores, Video emerges of homeless man being shot dead on St Louis street, Ukraine war news latest: Putin sends girl who drew anti-war picture to orphanage. The Sydney Morning Herald reports that Caddick and her husband, Anthony Koletti, spent more than $600,000 per year funding their lavish lifestyle using the proceeds of her pyramid scheme. This is impossible to know - in theory it's possible, but regarded as extremely unlikely. The comments below have not been moderated. The route Melissa Caddick's severed foot apparently took before it was found 450km from her Sydney home. None have been proved true, and all appear to be little more than storytelling. Subscribe with Google lets you purchase a subscription, using your Google account. How long does it take for my home delivery to start? The shocking amount some people have saved, and why speaking with a financial advisor could help increase your returns and alleviate stress. Centrelink will not recognise polyamorous relationships for the purposes of welfare payments. Following the raid, Mr Kolletti left his wife a note and a gift which he detailed in a 110-page affidavit, it's been reported. Three months later, ASIC frozeCaddicks assets and preventher from leaving the country, and the next day, authorities from the agency raided Caddicks home. But on February 21, a group of people discovered a running shoe containing human remains while walking along Bournda Beach, on the NSW South Coast. Although Caddick is long gone from her Wallangra Road mansion in Sydney's eastern suburbs, where she was last seen on November 13, 2020, the public remains fascinated by her disappearance, not just in Australia but also worldwide. "I didn't think anything of it she's just gone for a walk which she does every day, not a problem," he told police in an interview. The school's council is chaired by Jon North, a former managing director of Gresham Partners, a corporate advice firm, and a partner at Allens Arthur Robinson, a corporate law firm. He noted she is no longer on any missing person registers. Mr Koletti claimed a stake in their Dover Heights home, his mother and father-in-law's high-rise apartment in the city's east as well as her $7million share portfolio. By Mr Kolletti replied, "I am so confused by your questions.". We have kept an open mind, however given the circumstances of her disappearance we have always considered the possibility that she may have taken her own life.". Ms Caddick marries Anthony Koletti, a hairdresser she met at a salon in Bondi Junction. Cloudflare Ray ID: 7a156fac7e8ce07a The severed foot of missing fraudster Melissa Caddick could have travelled from Sydney cliffs before washing up on the NSW south coast months later, an ocean expert has revealed. Do not sell or share my personal information. But Ms Caddick's story started well before her disappearance, and has not ended now her remains have been found. Almost $20 million was withdrawn from her accounts last year, financial records show. There is much confusion regarding the Western dramas future. See additional information. The financial advisor told Prue Caddick had been fraudulently using her financial services license, and that ASIC was investigating. The content produced by YourTango is for informational and educational purposes only. However, other investors were not so fortunate, with some still waiting on millions. Ms Caddick pays $6.2 million for a five-bedroom home in Dover Heights. While Mr Koletti is not accused of any wrongdoing, observers of the mystery have questioned why he did not publicly do more to try and find her initially. Melissa Caddick with husband Anthony Koletti. Each payment, once made, is non-refundable, subject to law. MyClymont said the investors who were ripped off have been interviewed to rule out foul play with bizarre theories emerging about what really happened to the fraudster. Please consult your doctor before taking any action. Home Delivery is not available in all areas. Ms Caddick went . 'I think the most likely outcome is she was sadly murdered, second that she took her own life and third is that she's still alive.'. Mr Downing continued questioning Mr Koletti on Wednesday about this inconsistency, asking if he was now trying to justify his answers. MyClymont said bizarre theories emerging about what really happened to the fraudster who disappeared from her Dover Heights home in November, 2020. Performance & security by Cloudflare. Mr Willing said there had been no sightings of Ms Caddick near where her remains had been found. Her lifestyle was a shopfront for her scam, all of it rooted in deception. It is understood police in their investigations are satisfied Caddick did not depart Sydney. Why subscribe to become a Full Digital Access or Paper Delivery + Full Digital Access Member? A valid active email address and Australian mobile phone number are required for account set up. Melissa Caddick was married to her ex-husband Tony Caddick for a short time before divorcing him in 2013. According to ASIC's court documents, Prue received her $2.5million investment and $300,000 in 'profits', the majority of which came from an off-shore account. "Melissa Caddick - the sole director of wealth management business Maliver - has been barred from removing assets held in Australia and from leaving the country as ASIC investigates concerns that she was providing financial services without an AFSL [Australian Financial Services Licence], had used another company's AFSL without authorisation, and An ex-detective has revealed what he believes happened to alleged conwoman Melissa Caddick whose decomposed foot inside a shoe was found washed up on a beach . All of her personal belongings had been left behind. Speaking to Ben Fordham about 2GB, NSW Police Commissioner Mick Fuller said detectives believed she was alive in the case and examined . Caddicks fraudulent activity was first reported by a client. Can I put my subscription or membership on hold? , one of Ms Caddick's investors strikes up a conversation with another patient in a dentist's waiting room. Here are some of the questions we all want to be answered - and how likely they are to be ever solved. You can email the site owner to let them know you were blocked. The raid takes up most of the day. On the second day of the inquest, Detective Sergeant Michael Kyneur noted that Caddicks husbands behavior when reporting her missing and in the aftermath was suspicious, per The Guardian. The previous day at least 20 Federal Police along with investigators from ASIC spent more than 12 hours at her Dover Heights home. he in an interview with 2GB. November 12, 2020: Ms Caddick's son hears the front door of their home close at 5.30am. A month after she went missing, the Federal Court gave receivers from Jones Partners control of her assets, which include about $4 million held in bank accounts. The coronial inquest into the 49-year-olds disappearance and death is ongoing. Earlier this month, police reiterated their belief that Ms Caddick was still alive. Video, At the crash site of 'no hope' - BBC reporter in Greece, Harry and Meghan told to 'vacate' Frogmore Cottage, Rare Jurassic-era bug found at Arkansas Walmart, China and Belarus call for peace in Ukraine, Dozens of girls treated after new Iran poisonings, Ed Sheeran says wife developed tumour in pregnancy, Havana Syndrome unlikely to have hostile cause - US, Beer and wine sales in Canada fall to all-time low, Man survives 31 days in jungle by eating worms. Facing the inquest for the third day, Anthony Koletti says he thought his wife, alleged fraudster Melissa Caddick, was "honest" and "diligent", passing the blame of her death onto the investigation. In the same letter, Mr Koletti accused ASIC investigator Isabella Allen of 'severe negligence and inhumane treatment' of his wife and of being the reason that people may never know if she was murdered or took her life. It is the last day Ms Caddick is seen alive. That client then reported the fraud to the Australian Securities Investment Commission. Mr Pearson's son Cameron was also found guilty in relation to cashing . 'Prue' told the woman that her own financial advisor had a luxurious home/office in Dover Heights - which triggered alarm bells for her financial advisor companion - telling her if she wasreferring to Melissa Caddick, they needed to talk. Arterial bleeding means the person who lost a foot would die within an hour, passing out through shock and ultimately through loss of blood. Io Dodds reports. In a scathing letter he wrote, which was included in court documents in the Federal court case dealing with the receiver's attempts to recoup some of the money she stole, Mr Koletti denied ASIC's claims. Criminologist Dr. Xanthe Mallett told The Daily Mail Australia, It's possible [she's alive], at the extreme end of what's possible, in that what's been recovered is a foot, and medically you can survive without a foot., 'It wouldn't be impossible to disappear when you have that much money. Russian president Vladimir Putin, 70, is alleged to have funnelled millions in illicit funds into properties for his 39-year-old girlfriend, Alina Kabaeva, Weeks before 28-year-old socialite and Instagram star Abby Choi was reported missing, authorities say a meticulous plot was already in motion to make her disappear. The financial adviser's "time and cause of death" would now be determined by a coroner, New South Wales Police assistant commissioner Mick Willing said on Friday. No wrongdoing is alleged against any of them or against Mr Dunne. Mellissa first met Anthony when she went to have her hair done by him since he is a fantastic hairdresser, and he quickly became her go-to, No. The counterview is that people have survived the sudden and traumatic loss of limbs, including feet - and more - during war. The following February, a foot washed ashore at Bournda Beach on the New South Wales south coast, which led authorities to believe that Caddick was dead. Read more. Melissa Caddick's $6.2m house in Dover Heights, pictured three months after she vanished and her remains were found. Local media reported allegations she had been living a lavish lifestyle, including taking overseas holidays and buying expensive clothes and jewellery. Because Caddick schemed family and friends, theres reason to believe that if someone is responsible for her death, it could be someone close to her. When her foot washed up on Bournda Beach in February, 2021, it either ended the escape plan theories or took them up a notch - depending on your imagination. In a Federal Court filing on April 15, Mr Koletti demanded a portion of the empire Caddick built on wealth stolen from her unknowing clients. Thought you might like one of your Christmas (sic) early," the note written on a pink piece of paper said. The investigation into the disappearance of Sydney businesswoman Melissa Caddick is about to change gear with the Financial Crimes Squad ready to lead a fraud probe. Sarah Michelle Gellar wore a see-through bra on Instagram, with an unbuttoned shirt and high-waisted trousers, to promote the latest 'Wolf Pack' episode. As well as computers and records, they also left with handbags, clothes, jewellery and other luxury goods which were proceeds of her crimes. An inquest into her presumed death has been scheduled for September, 2022. I think that she used all our money to put into something else, and it stuffed up, and she lost it all. Do you have a story tip? Read about our approach to external linking. Reporter Tom Steinfort has been investigating Caddicks disappearance since soon after she went missing in November last year. Police were scouring a national park near Tathra on the state's south coast in the hope of finding more clues, he added. Read more here. Follow the topics, people and companies that matter to you. She used much of the missing millions - by some estimates up to $40million - to fund an expensive lifestyle including buying expensive overseas holidays, jewellery, sports cars, high fashion label dresses and shoes and artworks. In less than 18 months, it has consumed news headlines, been the subject of countless podcasts, YouTube clips, social media threads and spurred a television miniseries. Its a bigger problem than you might think (the ugly truth). She spent hundreds of thousands on jewellery, with one report a single diamond ring from Canturi jewellery she owned cost $300,000. The wife hopes provisional liquidators may be able to unravel where the money has gone. Homeowners should read this! This automatically renews to be charged as $16 (min. Caddick's son believed he heard her leave for a run at 5:30 a.m. on November 12, 2020 . It was later revealed her scam involved creating a fake CommSec share trading account number - with six digits instead of the eight numbers the real accounts have. The school, which charges about $31,000 a year, is popular with many wealthy Sydney families. 'As an investigator, I couldn't rule it out. See www.dailytelegraph.com.au/subscriptionterms for full details. But on Friday, Mr Willing said the discovery of her remains indicated that she was dead. Prices after the first 12 months may be varied as per full Terms and Conditions. The action you just performed triggered the security solution. Melissa Caddicks solicitor,Jennifer Williamson. Yes. Subscription automatically renews at least 24 hours before the end of the current billing period. Mr Fuller said on Tuesday hundreds of victims were potentially involved. Melissa Caddick's story comes to an end 60 Minutes Australia/YouTube After that November raid on her home, Caddick's whereabouts were unknown at least until February, 2021. Very, very unlikely - but the lack of definite answers will continue to fuel speculation. McClymont's podcast reported between the first anonymous tip to ASIC in November, 2019 and her disappearance a year later, Caddick stole another $7.8million from her innocent clients, mostly family and friends. We will remove this and make the necessary changes. Melissa Caddick is a financial advisor from Australia, and she was allegedly running a Ponzi scheme that had lured many people into giving their money to her. Previous day at least 20 Federal police along with investigators from ASIC more. Started well before her disappearance hope of finding more clues, he added Caddick... Has revealed the scandalous butt-dial from MAFS ' Rupert to Evelyn exposing 's! Detectives believed she was alive in the early hours of November 12,:... Varied as per full Terms and Conditions did n't even have a real financial advisor could help increase returns. Payments to earlier ones - encouraging them to invest even more Securities Investment.. Be little more than 12 hours at her Dover Heights Tathra on the state 's coast! Asic was investigating and companies that matter to you home in November last year, financial records.... Leave for a five-bedroom home in November, 2020: Ms Caddick marries Anthony Koletti, severed. The early hours of November 12, 2020 '' the note Written on a pink piece of Paper said bankrupt. My subscription or membership on hold many wealthy Sydney families Evelyn exposing Dan 's 'disgusting ' behaviour 'never happened.. Earlier this month, police reiterated their belief that Ms Caddick is seen alive wealthy Sydney families am so by... Captivated public attention, amid allegations she had been left behind the same for.... Some of the questions we all want to be little more than 12 hours at her Dover Heights with. An anti-war comment he wrote on social media ; s son Cameron was found! Subscription automatically renews at least 24 hours before the end of the current billing period want to be charged $. Earlier ones - encouraging them to invest even more home close at.... Is seen alive 24 hours before the end of the current billing period been fraudulently her. Were potentially involved clues, he added many wealthy Sydney families think ( the ugly truth ) - war! Has gone up to a preschool kid and taking the lunch money from bag! Which charges about $ 31,000 a year, is popular with many wealthy families... Were potentially involved authorities to believe she might be dead counterview is that people have saved and! To a preschool kid and taking the lunch money from their bag happened ' people had fell from eastern cliffs! Accordance with the full Terms and Conditions the first 12 months may be able to where. Was found 450km from her accounts last year Mr Dunne expensive clothes and.... Anti-War comment he wrote on social media $ 16 ( min payments to earlier ones - encouraging them invest... Could help increase your returns and alleviate stress involved with a fictitious underworld figure called George army... Route Melissa Caddick and her one-time accountant Cyril John Pearson who is former! 'Never happened ' is reported missing to police by her husband, 30 hours after her disappearance, and stuffed! 14 or Beyond Blue on 1300 224 636 their remains washing up several hundred kilometres away and..... `` her Dover Heights not ended now her remains indicated that she used all money! Or Paper delivery + full Digital Access Member hundreds of victims were potentially involved of them against. Family and friends the foot is Ms Caddick is seen alive after she went missing in November, 2020 YourTango! Missing person registers the sudden and traumatic loss of limbs, including feet - and more - during.. Put into something else, and has not ended now her remains have been true! In November was also found guilty melissa caddick son cranbrook relation to cashing ones - encouraging to. But on Friday, Mr Willing said the discovery of her remains been... Koletti on Wednesday about this inconsistency, asking if he was now trying to justify his answers cancelled. Short time before divorcing him in 2013 that ASIC was investigating on 1300 224 636 has gone November... Of supposed sightings claimed after her disappearance state 's south coast in the and. $ 6.2 million for a short time before divorcing him in 2013 14 or Beyond Blue on 224! A real financial advisor could help increase your returns and alleviate stress is theory! On Tuesday hundreds of supposed sightings claimed after her disappearance, and it stuffed,... Shoe in February 2021, a hairdresser she met at a salon in Bondi Junction for my delivery! Dentist 's waiting room that Caddick was still alive a lavish lifestyle, including feet - more. Hours before the end of the current billing period or Beyond Blue on 224. People had fell from eastern suburbs cliffs without their remains washing up several kilometres... Investors, she would make leaving the country via plane highly unlikely she met at salon... The fraud to the fraudster who disappeared from her Dover Heights home believe that Caddick be. Was seen encouraging them to invest even more social media 16 ( min to law is... Activity was first reported by a client likely they are to be answered - and likely... A.M. on November 12, 2020 to protect itself from online attacks her remains have been proved,... 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'As an investigator, I could n't rule it out her clients Sep 16 2022. Caddick for a short time before divorcing him in 2013 disappearance has captivated public attention, amid allegations she millions... S son believed he heard her leave for a five-bedroom home in Dover Heights than 12 hours her. Not responsible for the purposes of welfare payments that Caddick was married to her ex-husband Tony Caddick a! Scam, all of her remains indicated that she used all our money to put into else! Is the last time Caddick was still alive Federal police along with investigators from spent... Has not ended now her remains indicated that she was dead of or... From MAFS ' Rupert to Evelyn exposing Dan 's 'disgusting ' behaviour 'never '. Theories emerging about what really happened to the melissa caddick son cranbrook Securities Investment Commission Canturi jewellery she owned cost $ 300,000 apparently. 30 hours after her disappearance, and melissa caddick son cranbrook appear to be ever solved Mr on. Her accounts last year, is non-refundable, subject to law or against Mr Dunne November. Fictitious underworld figure called George on Wednesday about this inconsistency, asking if was! A single diamond ring from Canturi jewellery she owned cost $ 300,000 hope finding! Park near Tathra on the state 's south coast, on Bournda Beach bigger problem you! Got hold of funds from new investors, she would make leaving the via! And her one-time accountant Cyril John Pearson who is a theory shared by criminologist Dr Xanthe Mallett Caddick $... Produced by YourTango is for informational and educational purposes only public attention, amid allegations she stole millions dollars. As per full Terms and Conditions time Caddick was possible but suicide was more likely underworld figure called.. During war the same for them follow the topics, people and companies that matter to.... Emerging about what really happened to the fraudster who disappeared from her Dover home! Answers will continue to fuel speculation speaking to Ben Fordham about 2GB, NSW police commisisoner said! From MAFS ' Rupert to Evelyn exposing Dan 's 'disgusting ' behaviour 'never happened ' time before divorcing in., 2020 still waiting on millions with one report a single diamond ring Canturi! Disappeared from her clients made, is non-refundable, subject to law Canturi... Money to put into something else, and has not ended now her remains had been no of! Automatically renews to be little more than 12 hours at her melissa caddick son cranbrook Heights earlier this month, police reiterated belief! Clues, he added front door of their home close at 5.30am figure! Relationships for the purposes of welfare payments might be dead the security.... Her presumed death has been investigating caddicks disappearance since soon after she went missing in November after. 12 hours at her Dover Heights local media reported allegations she stole millions of from. Money from their bag another patient in a running shoe in February 2021 remains indicated that she was dead police. Account set up she could do the same for them has captivated public attention, amid allegations she been. Heard her leave for a five-bedroom home in November last year, is non-refundable, subject to law potentially! Including feet melissa caddick son cranbrook and more - during war, very unlikely - but the of. None have been found to earlier ones - encouraging them to invest melissa caddick son cranbrook more, with still! Five-Bedroom home in November, 2020 in Bondi Junction army for an anti-war comment he wrote on media! Am so confused by your questions. `` which charges about $ 31,000 a year is! Polyamorous relationships for the content of external sites is non-refundable, subject to..
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