The term ‘this website’ or ‘us’ or ‘we’ refers to the owner of the website. The term ‘you’ refers to the user or viewer of our website.
The content of the pages of this website is for your general information and use only. It is subject to change without notice.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
You may not create a link to this website from another website or document without this website’s prior written consent.
These are the Terms and Conditions of Use ("Terms") for smallbusinesstools.org, our related mobile applications or other similar devices (the "Site").
These Terms explain:
✓ How our Site operate
✓ What you can do with our content
✓ What we can do with things you post
✓ Your rights and responsibilities
We may update these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure you're aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our Site after the posting of changes to these Terms, your use of the Site indicates your agreement to be bound to the new Terms.
What we do
Our Site is all about sharing information on Small Business Tools. We provide regularly updated general information, tools, clubs and services with our views on how to save money. After many articles you'll find a link to discuss the articles with other smallbusinesstools.org users via Facebook – plus our Forum is full of people sharing tips, hints and information on how to save money. The information you read on our Site is a great starting point for your further research into what suits your particular Small Business Tools requirements.
What we don't do
Information on our Site does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. If we mention companies on our Site, we usually do so because of their attractive offers. As general policy we don't vet them on customer service or investigate their solvency (how likely they are to go bust). Given that the impact of any information expressed on our Site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.
Links on our Site
Our Site includes details on, or links through to, information provided by other websites. We don't control the accuracy or completeness of that information and cannot accept any responsibility for the content of those websites. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website, please read its contract carefully before deciding to buy. Remember: your contract for those products or services will be with that website, not us.
When you use other websites, any personal information you give them will be dealt with in line with their privacy policies, not ours, so please read the privacy policies of each and every such website before using them!
Some of the links included on our Site are affiliate links. These are links which take you directly or indirectly to a financial product provider and which may result in us receiving a fee or commission as a consequence of you clicking through to its site or purchasing a product from it. However, as our How This Site Is Financed guide makes clear, our independence is paramount to us and our selection of links is not influenced by any fee/commission received by financial providers.
Links from your website:
You are only permitted to link to our Site with our prior written consent provided you:
✓ comply with these Terms and all applicable laws;
✓ do not use any of our trade marks or logos;
✓ link only to those pages (including our homepage, where relevant) we have given you our permission to link to;
✓ do not in any way imply that we are endorsing you, your website, or its products or services;
✓ do not misrepresent your relationship with us or present false information about us;
✓ do not infringe any intellectual property or other rights of any person or otherwise breach all relevant laws and regulations;
✓ do not have content in your website that could be considered distasteful or offensive.
If you breach these terms, we have the right to require that your link is removed and to take whatever other action we think appropriate.
All of the content on our Site is owned by us or our licensers and is protected by English and international copyright laws.
Our content includes any information, features of, or other material found on our Site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this Site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
When you post content on our Site, you agree and represent that you have created that content. You still own any copyright in the text that you post on our Site. However, when you post text, images, video or other media, you expressly grant us a perpetual, fully transferable, worldwide royalty-free licence to republish that text on our Site and to use/redistribute/make available and/or sell that text in any format and on any platform, either now known or hereinafter invented anywhere in the world as part of an edited compilation or otherwise. We may automatically track certain contextual links in your Forum posts, whether through Skimlinks or through our own technology. See our Skimlinks & Affiliated Links guide for more details.
We, or authorised third parties, reserve the right to cut, crop, edit or refuse to publish your content at our or their sole discretion. We may remove your content from use at any time. You acknowledge and accept that the technical requirements of our Site may result in changes to your content to conform with it. We take no responsibility for the deletion or failure to store postings of user content submitted by you or other Site users.
If you're aged under 16 you confirm you have the permission of your parent or guardian to submit content to us.
We encourage debate and the sharing of information between our users. However, we do require that your use of our Forum, Social Media and any other communication systems that we provide is lawful and in accordance with our Forum Rules which are incorporated into these Terms.
We accept no liability for user content on the Site provided by yourself or by others, including any reliance on the accuracy or completeness of such user content. You acknowledge and accept that user content posted on our Site is the opinion of the person posting only and in no way reflects our opinions or attitudes. You further acknowledge and accept that we have no obligation to moderate any content posted by you and other users on the Site.
You warrant that the content you post does not contain extremist views, appear to incite or promote terrorist activities and is not obscene, fraudulent, libellous, threatening, harassing, abusive, hateful or embarrassing to any other person as determined by us in our sole discretion, or illegal. You further warrant that the content you submit to us does not infringe any intellectual property right or proprietary or privacy right of any party or individual.
You agree not to:
✓ post or transmit advertisements for or solicitations of business (whether openly, or under the false guise of an unconnected party);
✓ after receiving a warning or otherwise being banned from the Site, continue to disrupt the normal flow of dialogue, post or transmit comments that are not related to the topic being discussed;
✓ post or transmit chain letters or pyramid schemes;
✓ impersonate another person;
✓ disguise the IP address of the connection used to post any message;
✓ post or transmit any files containing viruses or other harmful computer code;
✓ harvest or otherwise collect or use information about others, including email addresses, without their explicit consent;
✓ allow any other person or entity to use your identification for posting or viewing comments or for communicating with other users;
✓ post the same note more than once or spam;
✓ knowingly post untrue information about another person or business with the intention of harming their reputation or livelihood;
✓ engage in any other conduct that restricts or inhibits any other person from using or enjoying these areas of our Site, or which, in our judgement, exposes us to any liability or detriment of any type;
✓ intentionally make false or misleading statements about investments, their price or their prospects. If you do, you may be committing a criminal offence;
✓ post either intentionally or otherwise, any material that could have the effect of manipulating the market value of any investment. This may be a criminal offence; or
✓ give investment advice by way of business or make financial promotions.
Disclaimer of warranties & liability, indemnity, general & changes
We provide our Site in good faith but we can't and don't warrant the completeness, truth or accuracy of the information or other content or postings found on our Site, or their usefulness for any particular purpose. You acknowledge and agree that: (i) your use of the Site is at your own sole risk; and (ii) you bear full responsibility for your own Small Business Tools research and decisions and that we shall not be liable for any action that you or others take or don't take based on your use of or reliance on information provided by us or other users of our Site.
If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
Our failure or delay to exercise any provision of these Terms shall not be construed as a waiver of any provision or right.
These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.
Changes. These Terms were published on 10 April 2019.
Any questions? If you have any questions about our Site or these Terms, please contact us on firstname.lastname@example.org
Posted: 10 April 2019