CashCowUK.com
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USER AGREEMENT AND PRIVACY POLICY
(Terms & Conditions 2009)

Please read user agreement before using this service. By continuing to use CashCowUK.com , you agree to abide by the conditions of this agreement.
CashCowUK.com (TM) SERVICE USER AGREEMENT © 2009. All Rights Reserved.

1. Welcome to CashCowUK.com ("Service"). By using this Service, you agree to be bound by all of the terms of this Agreement and by the CashCowUK.com Discussion Guidelines. The Service is currently free to all users. CashCowUK.com ("We"), reserve the right to charge for this Service in the future. In such event, we will notify you in advance, and give you an opportunity to subscribe to this Service. We reserve the right to change the terms of this Agreement or to modify any features of this Service at any time. By registering for this Service and/or continuing to use this Service after the posting of Notices regarding such changes, you agree to be bound by such changes.

2. You represent that you have read and agree to abide by the CashCowUK.com Discussion Guidelines.

3. This Service (including, but not limited to, text, photographs, graphics, video and audio content) is protected by copyright as a collective work or compilation under the copyright laws of the United Kingdom and other countries. All individual articles, content and other elements comprising this Service are also copyrighted works. You must abide by all additional copyright notices or restrictions contained in this Service. By posting content on the Service, a user is giving CashCowUK.com the right to display such content on the Service and any affiliated publications/websites and to distribute such content and use such content for promotional and marketing purposes.

4. (a) Except for content you have posted on the Service, or unless expressly permitted, you may not copy, reproduce, distribute, publish, enter into a database, display, perform, modify, create derivative works, transmit, or in any way exploit any part of this Service, except that you may download material from this Service for your own personal use as follows: you may make one machine readable copy and/or one print copy that is limited to occasional articles of personal interest only. Without limiting the generality of the foregoing, you may not distribute any part of this Service over any network, including a local area network, nor sell or offer it for sale. See our Rights & Permissions section for more information on distribution. In addition, these files may not be used to construct any kind of database.
(b) CashCowUK.com has been specially designed for presentation of content in a unique format and appearance to our users. We are concerned about the integrity of our Service when it is viewed in a setting created by a third party that includes advertising or other materials that we have not authorized to be displayed with our Service. Without limiting the provisions of (5a), neither you nor any third party shall make use of the contents of the Service in any manner that constitutes an infringement of our rights, including copyright or that has not been authorised by us.
(c) Just as CashCowUK.com requires users to respect our copyrights, and those of our affiliates and partners, we respect the copyrights of others. If you believe in good faith that your copyrighted work has been reproduced on our site without authorisation in a way that constitutes copyright infringement, please contact us via the Contact Us page and will take the necessary action This contact information is only for suspected copyright infringement. Contact information for other matters is provided elsewhere on this site. Any personal information you provide in your email will be used only for purposes related to your email.

CashCowUK.com forbids the advertising of, and selling of counterfeit (fake) goods. Anyone found to be advertising for sale, or selling any such goods through our Service will have their account terminated immediately, without notice, foregoing any monies or items owed (pending investigation), and be banned from future use of the Service. We treat such infringements very seriously and will inform the license holder and Trading Standards to take appropriate action. If you believe counterfeit goods are being advertised on CashCowUK.com, or you have been sold counterfiet or otherwise fake goods, please let us know via the Contact Us page for further investigation.

5. You will be responsible for all charges incurred while your account is being used, if any, including charges for any goods or services. You are also responsible for all statements made or materials posted under your account, including liability for harm caused by such statements or materials. You may not transfer, sell, or otherwise assign your rights or obligations under this Agreement.

6. You agree to indemnify and hold harmless CashCowUK.com and its parent and affiliates, and their directors, officers, managers, employees, shareholders, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable legal fees, resulting from any violation of this Agreement or the CashCowUK.com Discussion Guidelines, or the failure to fulfil any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide us with such cooperation as is reasonably requested by us.

7. This Service is available "as is." We do not warrant that this Service will be uninterrupted or error-free. There may be delays, omissions, interruptions and inaccuracies in the news, information or other materials available through this Service. We are not responsible for the availability or content of other services that may be linked to this Service. We do not make any warranties, express or implied, including without limitation, those of merchantability and fitness for a particular purpose, with respect to this Service or any information or goods that are available or advertised or sold through this Service. We do not make any representations, nor do we endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database displayed, uploaded or distributed in this Service or available though links in this Service. We reserve the right to correct any errors or omissions in this Service. Although we intend to take reasonable steps to prevent the introduction of viruses, worms, "Trojan horses" or other destructive materials to this Service, we do not guarantee or warrant that this Service or materials that may be downloaded from this Service do not contain such destructive features. We are not liable for any damages or harm attributable to such features. If you rely on this Service and any materials available through this Service, you do so solely at your own risk.

8. CashCowUK.com, its parent and afilliates, and their directors, officers, managers, employees, shareholders, agents and licensors are not liable for incidental, indirect, consequential, special, punitive, or exemplary damages of any kind, including lost revenues or profits, loss of business or loss of data, in any way related to this Service or for any claim, loss or injury based on errors, omissions, interruptions or other inaccuracies in this Service (including without limitation as a result of breach of any warranty or other term of this Agreement). Any claim against us shall be limited to the amount you paid, if any, for use of this Service.

9. This Agreement may be terminated by either party for any reason at any time. Sections three (3) and six (6) through nine (9) of this Agreement shall survive such termination.

10. This Agreement shall be governed by the laws of the United Kingdom. BY CONTINUING TO USE CashCowUK.com, YOU AGREE TO ABIDE BY THE TERMS OF THIS AGREEMENT.

CashCowUK.com PRIVACY POLICY
(as of 1st January, 2009)
At the same time that CashCowUK.com is committed to bringing you information tailored to your individual needs, we recognise the importance of protecting the privacy of your personally identifiable information. In adopting this privacy policy, our intent is to balance our legitimate business interests in collecting and using personally identifiable information and your reasonable expectations of privacy. Please note: this policy applies only to information collected by CashCowUK.com online, as specified below, and does not govern or apply to information collected or used by CashCowUK.com or its affiliates through other means.

What personally identifiable information do I provide to CashCowUK.com?
CashCowUK.com asks you to provide various types of personally identifiable information to enhance your experience on our site. During registration, CashCowUK.com asks for information such as your name, e-mail address, year of birth, gender, post code, country, street address, Job Title, Primary Responsibility, Job Industry and Company Size. The more information you provide, the better we are able to customise your experience. We may also ask you for other information at other times - such as when you enter a contest or participate in a promotion, when you post an online ad, when you participate in our message boards, or when you order products from us. Whenever you provide personally identifiable information to us, we will make an effort to link to our privacy policy. See below about "cookies" and what other information is collected.

How does CashCowUK.com use my personally identifiable information?
Our primary goal in collecting personally identifiable information is to provide you, the user, with a customised experience on our network of sites. This includes personalisation services, interactive communications, online shopping and many other types of services, most of which are completely free to you.

CashCowUK.com uses the personally identifiable information you provide to us in several ways. Some examples follow.

A user's personally identifiable information may be used by CashCowUK.com for editorial purposes such as to contact you as part of an online survey. Additionally, we may also use the information provided by you to: 1) contact you with legal notices, 2) to advise you of any material changes or additions to our Service or terms and conditions, and 3) account status (including confirmation of registrations). If you do not wish to receive the foregoing and therefore unregister from the site, please contact us and ask to have your registration account deleted. Once your account has been deleted, you will no longer have access to CashCowUK.com, however, you may re-register at any time.
Finally, we reserve the right to send you offers and information about CashCowUK.com and its affiliates. However, if you no longer wish to receive the foregoing, please contact us to request removal from this list.

Further, if you told us in your account preferences that you would be interested in receiving e-mail from us, we may send you e-mails about CashCowUK.com products, promotions, or services as well as on behalf of other companies. However, if you no longer wish to receive any of the foregoing, you may change your preferences for the future at any time by clicking on the following link:

In order to provide services free of charge, we may, from time to time, display advertisements. CashCowUK.com delivers targeted advertisements on behalf of advertisers. Advertisers give us an advertisement and tell us the type of audience they want to reach (for example, females over 25 years old). We take the advertisement and display it to users meeting that criteria. In this process, the advertiser never has access to individual account information. You will only receive special offers via e-mail from CashCowUK.com consistent with your stated preferences. You can change your preferences at any time.

CashCowUK.com also does research on our users' demographics, interests and behavior based on the information you provide to us including upon registration, on order forms, during a promotion, as well as from our server log files or from surveys. We do this to better understand and serve our users. This research is compiled and analysed on an aggregated basis and CashCowUK.com may share this aggregated data with advertisers or other businesses. In addition, under confidentiality agreements, CashCowUK.com may match user information with third party data.

Do other companies or people have access to personally identifiable information I provide to CashCowUK.com?
When you are on an area of CashCowUK.com and are asked for personally identifiable information, you are providing that information to CashCowUK.com, its divisions or affiliates, or vendors providing contractual services for CashCowUK.com (such as hosting vendors and list managers). If personally identifiable information is being provided to and/or maintained by any company other than these, our policy is that we will not transfer that personally identifiable information unless notice is given prior to transfer. If you do not want your information to be shared, you can choose not to allow the transfer by not using that particular service or by expressing this preference, if requested. Additional information about personally identifiable information follows.

Promotions: Promotions that run on CashCowUK.com.com may be sponsored by companies other than CashCowUK.comor may be co-sponsored by CashCowUK.com and another company. Some or all personally identifiable information provided by you during a promotion may be shared with the sponsor. If information will be shared, we will disclose such sharing prior to the transfer. You can decide not to participate in the promotion if you don't want your personally identifiable information to be shared. In certain circumstances, you may not be able to participate in a particular promotion if you chose not to share personally identifiable information. Currently, most CashCowUK.com promotions are limited to UK Advertisers and Links: CashCowUK.com advertisers, or Web sites that have links on our site, may also collect personally identifiable information directly from you. The information practices of companies collecting data on our site or Web sites linked to CashCowUK.com are not covered by this privacy statement.

Marketplace: If you make a purchase or request a service from a business in Marketplace, the information you provide for that transaction (as well as tracking information and cookies as described below) is provided directly to the Marketplace business. Businesses listed in CashCowUK.com Marketplace have separate privacy and data collection practices. CashCowUK.com has no responsibility or liability for these independent policies. For more information regarding the business and its privacy policy, go to that business' home page and click on the appropriate link.
Other: If we run competitions or contests on the site, you may be required to provide additional information such as your telephone number and address in order to participate. The exact rules may vary in each case but the specific rules for any contest will state how that information may be used. If you told us in your account preferences that you would be interested in receiving e-mail from us, we may send you e-mails about CashCowUK.com products, promotions, or services as well as on behalf of other companies. You can change your account preferences at any time. In addition, in each advertising email you will be provided an ability to opt-out of receiving future emails from the advertiser.

We do not control the privacy policies of our advertisers, sponsors or other sites or businesses to which we provide hyperlinks or access. Please visit the sites of these businesses to review their privacy policies.

CashCowUK.com users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others.

Except as stated in this privacy policy or at the time of collection, a user's personally identifiable information will not be transferred to a party outside CashCowUK.com, its divisions or affiliates, or its service vendors unless notice is given at the time of collection or prior to transfer. CashCowUK.com may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our User Agreement or may be causing injury to or interference with (either intentionally or unintentionally) CashCowUK.com's rights or property, other CashCowUK.com users, or anyone else that could be harmed by such activities.
Data Security: We have in place physical, electronic and managerial procedures to protect the information we collect online. However, as effective as these measures are, no security system is impenetrable. We cannot guarantee the security of our database, nor can we guarantee that the information you supply will not be intercepted while being transmitted to us over the internet.

What information do web servers collect?
Web servers serving CashCowUK.com automatically collect certain non-personally identifiable information, such as which pages each user visits and the domain name (e.g., earthlink.net) of visitors. This information is used for various purposes including internal review, to tailor information to individual visitors, and for traffic audits. We also provide this information (as well as information from third-party market researchers) about our users on an aggregated, anonymous basis to our advertisers.

What are cookies and how does CashCowUK.com use them?
CashCowUK.com may place a "cookie" on the browser of a CashCowUK.com user's computer to store and sometimes track information about you. A cookie can be used to tell when your computer has contacted a Web site; we may also use the information for editorial purposes and for other purposes such as measuring certain traffic patterns. For example, cookies are used to ensure that you don't see the same ad too many times in a single session and that you do not have to reenter your login name or password during your visit. We may also use cookies to track your progress and number of entries in some of our promotions and contests. Advertising service vendors that serve ads into our site may also use their own cookies. You may opt-out of the cookies delivered by CashCowUK.com by changing the setting on your browser. Please be aware that this will disable all cookies delivered to your browser, not just the ones delivered by CashCowUK.com.
Kids under 16: Do not send any information about yourself to us - including information like your name, address or e-mail address. In general, we do not knowingly collect personally identifiable information from children under 16. If, in limited circumstances, we do knowingly collect personally identifiable information from a child under the age of 16, we will do so only with verified parental consent prior to collection. In the event that we learn that we have collected any personal information from a child under the age of 16 without verification of parental consent, we will delete that information from our database as quickly as possible.

Technology on the Internet is developing at a rapid pace, and we need to maintain our flexibility in the online arena. If we need to change our policy in the future, we will post these changes as soon as they go into effect.
© Copyright 2009 CashCowUK.com

Discussion Guidelines
We welcome your participation in article and blog comment threads, CashCowUK.com Discussions and other discussion forums, where we encourage you to analyze, comment on and even challenge CashCowUK.com articles, blogs, reviews and multimedia features. It is our hope that you'll take the opportunity to interact with leaders in our community, with the journalists, editors and management of CashCowUK.com users.

In order to keep these experiences enjoyable and interesting for all of our users, we ask that you follow the rules outlined below. By participating in CashCowUK.com Discussions or Reader Forums, or by submitting comments to articles, blogs, reviews or multimedia features, you are consenting to these rules.

1. You agree that you are fully responsible for the content that you post. You will not knowingly post content that violates the copyright, trademark, patent or other intellectual property right of any third party and that you will remove the same should you discover that you have violated this provision. Likewise, you may not post content that is libelous, defamatory, obscene, abusive, that violates a third party's right to privacy, that otherwise violates any applicable local, state, national or international law, or that is otherwise inappropriate. You will indemnify CashCowUK.com, its employees, agents, and affiliates from any and all claims and/or damages (including but not limited to reasonable legal fees) resulting from any claim brought by any third party relating to content you have posted. You may not post content that degrades others on the basis of gender, race, class, ethnicity, national origin, religion, sexual preference, disability or other classification. Epithets and other language intended to intimidate or to incite violence will not be tolerated.

2. You understand and agree that CashCowUK.com is not responsible for any content posted by third parties. You further understand that, on the unmoderated discussion forums, CashCowUK.com does not monitor the content posted. Nevertheless, CashCowUK.com may monitor the any user-generated content as it chooses and reserves the right to remove, edit or otherwise alter content that it deems inappropriate for any reason whatever without consent. We further reserve the right, in our sole discretion, to remove a user's privilege to post content on our site.

3. You understand and agree that the discussion forums are to be used only for non-commercial purposes. You may not solicit funds, promote commercial entities or otherwise engage in commercial activity in our discussion forums.

4. The discussion forums are for text only. Use of graphics and audio is not appropriate.

5. You acknowledge and agree that you use and/or rely on any information obtained through the discussion forums at your own risk. CashCowUK.com is not in any manner endorsing the content of the discussion forums and cannot and will not vouch for its reliability.

6. For any content that you post, you hereby grant to CashCowUK.com the royalty-free, irrevocable, perpetual, exclusive and fully sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such content in whole or in part, world-wide and to incorporate it in other works, in any form, media or technology now known or later developed.

© Copyright 2009 by CashCowUK.com