1. We respect your right to privacy and our policy in this regard is as outlined below.  Registration is a requirement in order to download free material from this site.  The registration process should be completed before attempting to download content.  By visiting this website and registering, you are accepting this Privacy Policy.
  2. Registration for content that is described as ‘free’ is always free.  We will never ask you to provide details of your financial assets, bank accounts or credit cards when registering for such content.  We have no connection with any site or entity, should such exist, that may ask for any such information in our name.
  3. We collect information from you when you visit this site or fill in the online registration form. We retain two types of information. (i) Personal data that identifies you or can be used to identify or contact you and may include your name, email address, and you user IP addresses in circumstances where they have not been deleted, clipped or anonymized. Such information is collected from you only if you voluntarily submit it to us. (ii) Like most websites we also gather Non-Personal statistical and other analytical information from all visitors to our website. This is collected on an aggregate basis only and comprises information that cannot be used to identify or contact you.  This may include, for example, user IP addresses where they have been clipped or anonymised, browser types and other anonymous statistical data involving the use of our website.
  4. We will process any Personal Data you provide to us for the sole purposes of providing you with the content you request from this site, contacting you if required in connection with your account, providing occasional emails with information on updates to this site or other information that may be of interest to you, or responding to any communications you might send to us.  We will not use your information for spam-type emails.  We use the Non-Personal Data gathered from visitors to our website in an aggregate form to get a better understanding of where our visitors come from and to help us better design and organize our website.
  5. We will not disclose your Personal Data to third parties for the purposes of advertising, direct marketing, or any other commercial activities unless you have specifically requested this disclosure.  The only other time we will disclose your Personal Data is if we believe in good faith that we are required to disclose it in order to comply with any applicable law, a summons, a search warrant, a court or regulatory order, or other statutory requirement.  We may provide aggregated Non-Personal Data to third parties, but only where such information is combined with similar information of other users of our website. The information we pass on will not include any personal information by which you could be identified.
  6. Our website may contain links to sites not operated by us.  Any  such links are clearly identifiable  and we are not responsible for the content or the privacy policies of these other websites.  We are not responsible for the processes involved on such external sites and we assume no responsibility for the content of material that is contained on or that may be accessed from external sites.  We take no responsibility for the use of any information about you that is voluntarily submitted to those sites by you or that may be collected as a result of your use of other such web sites as this privacy policy does not extend to any web site operated by anybody other than us.
  7. We work to prevent unauthorised disclosures of your personal information by other people, but we are not responsible for any unauthorised disclosures or other breaches of security or for the actions of others if the information was passed to them with your authority or with the authority of anybody other than us.
  8. We reserve the right to transfer information (including your Personal Data) to a third party in the event of a sale, merger, liquidation, receivership or transfer of all or substantially all of the assets of our company provided that the third party agrees to adhere to the terms of this Website Privacy Policy and provided that the third party only uses your Personal Data for the purposes that you provided it to us.  You will be notified in the event of any such transfer and you will be afforded an opportunity to opt-out.
  9. Your Personal Data is held on secure servers hosted by our Internet Service Provider.  The nature of the Internet is such that we cannot guarantee or warrant the security of any information you transmit to us as no data transmission over the Internet can be guaranteed to be 100% secure.  However, we will take all reasonable steps (including appropriate technical and organisational measures) to protect your Personal Data.  You may inform us of any changes in your Personal Data, and we will update or delete your Personal Data accordingly.
  10. Any changes to this Website Privacy Policy will be posted on this website so you are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any time we decide to use Personal Data in a manner significantly different from that stated in this Website Privacy Policy, or otherwise disclosed to you at the time it was collected, we will notify you by email, and you will have a choice as to whether or not we use your information in the new manner.
  11. All the information contained in the material referred to or described on this site is provided for the purpose of information only.  Nothing on this site should be inferred to represent an invitation to invest or otherwise incur expenditure.  Furthermore, we are not responsible for any losses that might be incurred as a result of any decisions in relation to investments that may be undertaken based on information that is contained in material that is accessed directly on this site or from linkages to external sites.
  12. External sites to which linkages may be provided may also charge for some material or services.  Nothing on this site should be interpreted as a recommendation in relation to any such services or content and we have not necessarily verified the veracity of any statements on external sites, nor the viability of incurring expenditure based on information provided by external sites, or claims made on such sites.