Terms

Disclaimer

Products linked to from this website are done with affiliate links, which may earn me a commission. To help defray website operating costs and in accordance with FTC Guidelines please be advised that some of the links contained on this website may be linked to either my products and/or affiliate partner products. In some instances, this website receives commissions for products viewed or purchased on affiliate websites via my referral.

Although I may receive commissions for products purchased or viewed on affiliate websites via my referral, I do not receive revenue for writing any product reviews, nor do I receive free products for evaluation. All products featured and/or reviewed on this website are chosen by me and given independent review — good or bad.

Any and all comments, testimonials or contributing posts are the sole responsibility of the contributing author, and although I try my best to research reputable and accurate information, I cannot be responsible or held liable for posts and comments for which I am not the author and encourage you to do your due diligence and follow up for any product or service recommendation contributed by guest authors or commenter(s).

Affiliate links benefiting this website are provided to my visitors so that they may independently evaluate 3rd party merchant offerings referenced or referred by this website.

This website provides links to third parties, merchant partners and/or otherwise, that are deemed appropriate and relevant for my visitors who come to this website looking for information, entertainment or otherwise.

This website promotes only those merchants that, in my opinion that are worthy of my visitors’ consideration. I encourage all of my visitors to do further research into any products and services recommended or referred to by this website, before making any purchases or investments of any kind.

This website may also link to or reference merchants who, in the opinion of this website and its contributors, are not worthy of doing business with in an attempt to educate consumers and expose scams and fraudulent marketers.

No Warranties

This website is provided “as is” without any representations or warranties, express or implied. karlstephenonline.com makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, karlstephenonline.com does not warrant that:

this website will be constantly available, or available at all; or
the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

Limitations of liability

karlstephenonline.com will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

to the extent that the website is provided free-of-charge, for any direct loss; for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if karlstephenonline.com has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit karlstephenonline.com liability in respect of any:

death or personal injury caused by karlstephenonline.com negligence; fraud or fraudulent misrepresentation on the part of karlstephenonline.com; or any matter which it would be illegal or unlawful for karlstephenonline.com to exclude or limit, or to attempt or purport to exclude or limit, its liability.

Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other Parties

You accept that, as a limited liability entity, karlstephenonline.com has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against karlstephenonline.com officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect karlstephenonline.com‘s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as karlstephenonline.com

Unenforceable Provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

This website disclaimer is based on a precedent created by template-contracts.co.uk and published by freenetlaw.com

Earnings and Income Disclaimer

We make every effort to ensure that we accurately represent these products and services and their potential for income. Earning and Income statements made by our company and its customers are estimates of what we think you can possibly earn. There is no guarantee that you will make these levels of income and you accept the risk that the earnings and income statements differ by individual.

As with any business, your results may vary, and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees concerning the level of success you may experience. The testimonials and examples used are exceptional results, which do not apply to the average purchaser, and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual’s success depends on his or her background, dedication, desire and motivation.

There is no assurance that examples of past earnings can be duplicated in the future. We cannot guarantee your future results and/or success. There are some unknown risks in business and on the internet that we cannot foresee which can reduce results. We are not responsible for your actions.

The use of our information, products and services should be based on your own due diligence and you agree that our company is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products and services.

Privacy Policy

This privacy policy sets out how karlstephenonline.com uses and protects any information that you give karlstephenonline.com when you use this website.

karlstephenonline.com is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

karlstephenonline.com may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from March 1st, 2010.

What we collect

We may collect the following information:

  • name and job title
  • contact information including email address
  • demographic information such as postcode, preferences and interests
  • other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

  • Internal record keeping
  • We may use the information to improve our products and services.
  • We may periodically send promotional email about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.
  • Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Controlling Your Personal Information

You may choose to restrict the collection or use of your personal information in the following ways:

  • whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
  • We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

Links To Other Websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.