Privacy Policy
Your privacy is very important to me.
This Privacy Policy demonstrates my firm commitment to privacy and security. This Privacy Policy describes how I may collect information from all those who may purchase Products, what I do with the information I collect, and the choices Visitors and Members have concerning the collection and use of such information. I request that you read this Privacy Policy carefully.
Personal Information I Collect and How It Is May Be Used
Introduction. I collect information in different ways from Customers who access the various Services and the network of Web sites accessible through my Service.
Registration: You may be asked to provide certain personal information when you sign up for my Products or Services including name, address and telephone number.The personal information collected from you during the
registration process is used to manage each account (such as for billing purposes). This information may be shared with third parties, as stated herein, or in special circumstances.
I do not ask for any credit card details. That is all handled by Paypal on their website.
My Partners and Sponsors: Some products and services may be offered to Visitors and Members in conjunction with an affiliate, independent contractor seller or non-affiliated partner. To provide Visitors and Members
some of these products and services, the partner may need to collect and maintain personal information.
I DO NOT SUPPLY YOUR DETAILS TO ANY THIRD PARTY FOR ANY OTHER PROMOTIONAL OFFERS.
Online Advertisements: I may display online advertisements. If you choose to buy from any of those advertisements I am not responsible for any problems you may have.
Responses to Email Inquiries: When Visitors or Members send email inquiries to me, the return email address is used to answer the email inquiry I receive.
Voluntary Customer Surveys: I may periodically conduct both business and individual customer. I encourage my customers to participate in these surveys because they provide me with important information that helps me to improve the types of products and services I offer and how I provide them to you.
I may take the information I receive from individuals responding to my Customer Surveys and combine (or aggregate) it with the responses of other customers I may have, to create broader, generic responses to the survey questions (such as gender, age, residence, hobbies, education, employment, industry sector, or other demographic information). I then use the aggregated information to improve the quality of my services to you, and to develop new services and products. This aggregated, non-personally identifying information will not be shared with third parties.
I may disclose personal information about Visitors or Members, or information regarding your use of the Services or Web sites accessible through my Services, for any reason if, in my sole discretion, I believe that
it is reasonable to do so, including: credit agencies, collection agencies, merchant database agencies, law enforcement, or to satisfy laws, such as the Electronic Communications Privacy Act, the Child Online Privacy Act, regulations, or governmental or legal requests for such information; to disclose information that is necessary to identify, contact, or bring legal action against someone who may be violating my Acceptable Use Policy or Terms Of Service, or other user policies; to operate the Services properly; or to protect my business.
I do not maintain a process for an individual consumer who uses or visits my commercial Web site or online service to review and request changes to any of his or her personally identifiable information that is collected through our Web site or online service.
See the section below entitled “Revisions To This Policy” for a description of the process by which I notify consumers who use or visit my commercial Web site or online service of material changes to my privacy policy for this Web site or online service.
The effective date of this privacy policy is listed at the end of this privacy policy under the heading, “Last updated.”
Depending on the visitor’s activity, on my commercial Web site, the following “personally identifiable information” may be collected, in addition to information set forth in other sections of this document.
The term “personally identifiable information” means individually identifiable information about an individual consumer collected online by our company from an individual and maintained by me in an accessible form, and may include any of the following:
1. A first and last name.
2. A home or other physical address, including street name and name of a city or town.
3. An e-mail address.
4. A telephone number.
“Cookies” and How I May Use Them. A “cookie” is a small data file that can be placed on your hard drive when you visit certain Web sites. I may use cookies to collect, store, and sometimes track information for purposes stated herein as well as for statistical purposes to improve the products and services I provide.
Advertisers and partners may also use their own cookies. I do not control use of these cookies and expressly disclaim responsibility for information collected through them.
My Commitment to Children’s Privacy. Protecting children’s privacy is especially important me. It is my policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws. Therefore I restrict my Web site to persons eighteen years or older.
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEBSITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA) AND IS NOT MONITORED AS DOING SO.
My Commitment to Data Security: Services and Web sites I sponsor have security measures in place to protect the loss, misuse, and alteration of the information under my control. While I make every effort to ensure the
integrity and security of my network and systems, I cannot guarantee that my security measures will prevent third-party “hackers” from illegally obtaining this information.
Where to Direct Questions About my Privacy Policy: If you have any questions about this Privacy Policy or the practices described herein, you may contact me through the contact information provided on this Web site.
Revisions to This Policy: I reserve the right to revise, amend, or modify this policy, my Terms Of Service agreement, and my other policies and agreements at any time and in any manner, by updating this posting. Your
use of this site after such changes are implemented constitutes your acknowledgment and acceptance of these changes. Please consult this privacy statement prior to every use for any changes.
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Terms Of Use & Service
IMPORTANT! THESE TERMS OF SERVICE (TOS) GOVERN YOUR USE OF THIS SITE, WHICH IS PROVIDED BY PHILIP SELWOOD. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE BY ME AT ANY TIME IN MY DISCRETION. YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THESE TERMS OF USE PRIOR TO EVERY USE FOR ANY CHANGES.
Access To This Site
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEBSITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE UNITED STATE’S CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA) AND IS NOT MONITORED AS DOING SO.
To buy products from thgis site you may be asked to provide certain details and confirm that all the information you provide will be correct, current, and complete. If I believe the information you provide is not correct, current, or complete, I have the right to refuse to accept your order.
Restrictions On Use
You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without my express prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this site, or (ii) frame this site, or (iii) hyper-link to this site, without the express prior written permission of an authorized representative of Philip Selwood. For purposes of these Terms of Use, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a userthe impression that such other party has the right to display, publish, or distribute this site or content accessible within this site. You agree to cooperate with our Company in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.
Proprietary Information
The material and content (hereinafter referred to as the “Content”) accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by Philip Selwood is the proprietary information of myself or the party that provided the Content to me, and I or the party that provided the Content to me retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of me, or unless authorized in writing elsewhere on our site, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms of Use
violates Philip Selwood’s intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this site.
Hyper-Links
This site may be hyper-linked to other sites which are not maintained by, or related to, me. Hyper-links to such sites are provided as a service to users and are not sponsored by me nor affiliated with this site or me. I may be an affiliate of such a site. I have not reviewed all of such sites and am not responsible for the content of those sites. Hyper-links are to be accessed at the user’s own risk, and our Company makes no representations or warranties about the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site. Further, the inclusion of any hyper-link to a third-party site does not necessarily imply endorsement by our Company of that site.
I will treat any personal information that you submit through this site in accordance with its Privacy Policy as set forth on this site.
Disclaimer
You understand that I cannot and do not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. I do not assume any responsibility or risk for your use of the Internet.
The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by Company. Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. The Content is provided “as is” and without warranties of any kind, either expressed or implied. I disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, TITLE, OR NON-INFRINGEMENT. I do not warrant that the functions OR CONTENT contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. I do not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and Company may make changes or improvements at any time. You, and not I, assume the entire cost of all necessary servicing, repair or correction IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. I MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and Company does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.
Limitation On Liability
PHLIP SELWOOD, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF PHLIP SELWOOD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO COMPANY FOR THE APPLICABLE CONTENT, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.
Indemnity
You will indemnify and hold Philip Selwood, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (hereinafter known as the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney’s fees of the Indemnified Parties in connection therewith.
You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.
Trademarks
Trademarks, service marks, and logos appearing in this site are the property of Philip Selwood or the party that provided the trademarks, service marks, and logos to Philip Selwood. Philip Selwood and any party that provided trademarks, service marks, and logos to Philip Selwood retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.
Information You Provide
You may not post, send, submit, publish, or transmit in connection with this site any material that:
* you do not have the right to post, including proprietary material of any third party;
* advocates illegal activity or discusses an intent to commit an illegal act;
* is vulgar, obscene, pornographic, or indecent;
* does not pertain directly to this site;
* threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
* seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
* infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;
* violates any law or may be considered to violate any law;
* impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
* advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;
* solicits funds, advertisers or sponsors;
* includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or
telecommunications;
* disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this site;
* includes MP3 format files;
* amounts to a ‘pyramid’ or similar scheme;
* disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or
* contains hyper-links to other sites that contain content that falls within the descriptions set forth above.
Although under no obligation to do so, Philip Selwood reserves the right to monitor use of this site to determine compliance with these Terms of Use, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither Philip Selwood nor any third party that provides Content will assume or have any liability for any action or inaction by Philip Selwood or such third party with respect to any submission.
Security
The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Philip Selwood reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. Philip Selwood reserves the right to investigate suspected violations of these Terms of Use.Philip Selwood reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Philip Selwood to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY PHILIP SELWOOD DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER [COMPANY] OR LAW ENFORCEMENT AUTHORITIES.
Miscellaneous
These Terms of Use will be governed and interpreted pursuant to the laws of England notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in England in connection with any dispute between you and Philip Selwood arising out of these Terms of Use or pertaining to the subject matter hereof. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the courts in England. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain. Philip Selwood may revise these Terms of Use at any time by updating this posting.