TERMS

 

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE

Alexander Lewis Publishing Ltd registered in England number 9726094 registered Office 86 - 90 Paul Street London EC2A 4NE.

The “if only” book is only a guide and the information provided is designed to provide helpful guidance on the subjects discussed. Some points are general comments simplified. Dealing with finances can be a complicated matter and so you cannot hold the publisher responsible for any action you take, or do not take, based only on what is written in this book. References are provided for informational purposes only and do not constitute endorsement of any kind. Statistics mentioned may be out of date. For assessment of your financial circumstances and relevant solutions available to you, contact a qualified, regulated, independent adviser. If you are given a copy of the “if only” book by your employer, it is important to understand that your employer is not endorsing the book and guidance provided and is not liable for any advice given by any advisers or third parties.

TERMS OF WEBSITE USE
This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.ifonly.money (our site), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference. By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.

OTHER APPLICABLE TERMS
These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

• Our Cookie Policy which sets out information about the cookies on our site.
If you purchase goods from our site, our Terms and conditions of supply will apply to the sales.

CHANGES TO THESE TERMS
We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

CHANGES TO OUR SITE
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.

ACCESSING OUR SITE
Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.
You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
Our site is directed to people residing in the United Kingdom.

We do not represent that content available on or through our site is appropriate or available in other locations. We may limit the availability of our site or any service or product described on our site to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk.

YOUR ACCOUNT AND PASSWORD
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at administration@alexanderlewispublishing.com

INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

NO RELIANCE ON INFORMATION
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

LIMITATION OF OUR LIABILITY
Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, our site; or
• use of or reliance on any content displayed on our site.
If you are a business user, please note that in particular, we will not be liable for:
• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or
• any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of- service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any goods by use to you, which will be set out in our Terms and conditions of supply.

THIRD PARTY LINKS AND RESOURCES IN OUR SITE
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

APPLICABLE LAW
If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

TRADE MARKS
If only and Alexander Lewis Publishing are registered trade marks of the respected author and or Alexander Lewis Publishing Ltd.

CONTACT US
If you have any questions about this privacy policy or our treatment of your personal data, you can contact by:

Email: administration@alexanderlewispublishing.com

or by post to: Alexander Lewis Publishing Ltd 86 - 90 Paul Street London EC2A 4NE

Alexander Lewis Publishing Ltd will respect your privacy and ensure that all sensitive and personal information provided to us is lawfully processed and held in accordance to the Data Protection Act 1998.

We are registered and licensed with the Information Commissioners Office (ICO) license number ZA134105 and abide to the regulatory rules and procedures.

Controlling your information
Alexander Lewis Publishing Ltd will control the data you supply and we agree to collect and control this information in accordance with the Data Protection Act 1998.

How do we collect information?
We collect information from you when you submit an enquiry, visit our site, call us for information and send us an email. The information we collect is:

Your name
Your email address
Your company name, address, telephone and fax number

Using your information
We will only use the information you provide us with to: Process your order

Make improvements to our service Action any requests you make
Supply you with requested information

Links to third party websites
This web site may contain links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.

Correction/Updating Personal Information
If a user's personally identifiable information changes (such as your post code), or if a user no longer desires our service, we will endeavor to provide a way to correct, update or remove that user's personal data provided to us.

Notification of Changes
If we decide to change our privacy policy, we will post those changes on this website so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Use of cookies
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org

Contact
If you have any questions about this privacy policy or our treatment of your personal data, you can contact us by:

Email: administration@alexanderlewispublishing.com

or by post to: Alexander Lewis Publishing Ltd 86 - 90 Paul Street London EC2A 4NE

Thank you for visiting our site.

Alexander Lewis Publishing Ltd