Creatness - Legal Terms and Privacy Policy

Disclaimer

The information contained here is not intended as investment advice or any form of advice, and it must not be relied upon or construed as such. The information is provided solely for general education or information purposes and neither purports nor intends to be general advice, specific advice or advice of any kind. No consideration has been given or will be given to the recipient’s individual investment objectives, financial situation or specific needs. In this regard, you should consult your own financial or other advisor. Investments can rise and fall in value. The decision to invest or trade and the method selected is a personal decision and may involve risk. Any information provided must not be construed as providing recommendations in relation to any securities or other financial products. It does not constitute and must not be construed as an offer of securities or other financial products, nor is it an invitation to you to take up securities or other financial products. The recipient releases absolutely the creator of this information Lee M. Spano or his company or other associated entities, employees, consultants, or associates from all or any responsibility or liability for any losses, claims or demands that may be incurred as a result of the recipient using the information for investment or other purposes.

Website Legal Terms and Conditions

These are the terms and conditions of use of this Website, owned and operated by the Proprietor, Lee M. Spano. They apply to you if you are a user of this Website. It is intended to ensure that you know your rights and obligations when using this Website. Please read all of these terms and conditions carefully. Please look out for any amendments to these terms and conditions that we might make in the future.

Definitions

1. "We, Our, Us, Lee, Creatness, Lee M. Spano" refer to the Proprietor, Lee M. Spano and any company subsidiaries, company parents, employees, officers and directors, agents, contractors, third party content providers, licensors, affiliates, associates, and their respective officers, directors, employees, agents and contractors.

2. “You”, your", “the recipient”, “the user”, “readers” refer to you as the user of this Website or content provided on or through the Website.

3. "Website" unless indicated otherwise, refers to this Website and its contents, pages and publications.

Copyright and Use

4. The material on this Website is protected by copyright under the laws of Australia and, through international treaties, other countries.

5. You may view this Website solely for your own information, research or study. You must not download, copy or print out or otherwise obtain any contents of the Website without the express written permission of Lee M. Spano, this including, but not limited to, picture images and literary works. Should you wish to request such permission, please E-mail.

6. Similarly, you must not reproduce, frame, transmit (including broadcast), or otherwise use any of the material on the site, including picture images, literary works, audio and video excerpts, except as expressly permitted by the written consent of Lee M. Spano. Should you wish to request such permission, please E-mail.

8. The information contained within the Website is for your personal, non-commercial use only. You must not use the Website for commercial purposes or to otherwise conduct any business.

9. You acknowledge that the Website could include technical inaccuracies or typographical errors and we make no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of any information or material accessible via the Service.

10. You agree that any content downloaded or otherwise obtained through the use of the Website is done at your own discretion and risk and that you will be solely responsible for any damages to your computer system or loss of data that results from the download of such content.

Release and Indemnity

11. The Website provided to you is not fault free and relies on factors outside our control. The Website is provided to you at such times and by means as we decide from time to time.

12. Lee M. Spano will have no obligation or liability of any kind to you with respect to any malfunction of our or other equipment or software or the provision, storage or use of the Website or any part thereof and, without limiting the generality of the foregoing, for any delays, interruptions, errors or omissions howsoever occasioned (including negligence on our part and our respective employees, contractors and agents) in collecting, recording, processing, storing or disseminating the Website or the accuracy thereof. Nothing in this paragraph will exclude, restrict or modify any condition or warranty implied in these terms and conditions by law where to do so would render this clause void.

13. Accordingly, you agree to defend, indemnify and hold harmless Lee M. Spano from and against all claims, liability, and expenses, including legal fees and costs, arising out of your use of the Website or your breach of any provision of these terms and conditions.

14. You expressly agree that use of the site is at your sole risk. Lee M. Spano does not warrant that the Website will be uninterrupted or error free. Nor do they make any warranty as to the results that may be obtained from the use of the site, or as to the accuracy, reliability, completeness, or contents of any content, information, material, postings, or posting responses found on the site, any merchandise or services provided through the site, or any links to other sites made available on the site.

15. The site and all content, material, information, postings, or posting responses found on the site are provided on an "as is" basis without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose.

16. Under no circumstances, including, but not limited to, negligence, shall Lee M. Spano be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, any content, information, material, postings, or posting responses on the site or the site itself. These limitations apply regardless of whether the party liable or allegedly liable was advised, had other reason to know, or in fact knew of the possibility of such damages. You specifically acknowledge and agree that Lee M. Spano is not liable for any defamatory, offensive or illegal conduct of any user, including you.

17. We may from time to time without notice suspend the Website or disconnect or deny you access to the Service:- (a) during any technical failure, modification or maintenance involved in the Website provided that we will use reasonable endeavours to procure the resumption of the Website as reasonably practicable; or (b) if you fail to comply with any agreement (including failure to pay charges due) until the breach (if capable of remedy) is remedied, or does, or allows to be done, anything which in our opinion may have the affect of jeopardising the operation of any Service. Notwithstanding any suspension of any Website under this clause you shall remain liable for all charges due throughout the period of suspension.

External Links and Pages

18. The Website may provide content and messages, and this may include, links to other pages or Websites and resources not operated by us. We (as defined above, but excluding those persons involved in the content and provision of these Websites, content and messages) do not control those sites and are not responsible for their content, condition or availability. The link(s) are provided solely for your convenience and do not indicate, expressly or impliedly, any endorsement of the site(s) or the products or services provided there. You access those sites and use their products and services solely on your own risk. Accordingly, Lee M. Spano is not responsible for matters contained in links to external providers from this site and your agree not to make any claim and against Lee M. Spano in this regard. You access these links and pages, and use any third party products or services independently of us and solely on your own risk. Any enquiries relating to these companies or their products or services should be made direct with them.

No Advice

19. Any information in or via this Website is not intended as any form of advice, and must not be relied upon as such. The information is provided solely for general educational or information purposes and neither purport nor intends to be advice of any kind. No consideration has been given or will be given to the recipients' individual or business circumstances. In this regard, you should consider your own business or other advisor.

20. The recipient releases absolutely agrees to indemnify and keep indemnified Lee M. Spano from all or any responsibility or liability for any losses, claims or demands that may be incurred as a result of the recipient using the information provided by or through this website.

21. The pages of this web site and its contents and links ("publications") have been prepared as information publications without consideration of any of the user’s specific objectives, personal or business situations or needs. Because of this, no user should rely upon the information and/or recommendations contained in these publications. Readers should, before acting on any information contained herein, consider the appropriateness of the information, having regard to their objectives, situations and needs, and consult an appropriate business or other advisor as required.

22. Lee M. Spano believes that the material contained in these publications is based on the information from sources that are considered reliable and is accurate when issued. However, Lee M. Spano does not warrant its accuracy or reliability. All views and information expressed by Lee M. Spano, his officers, agents, representatives, and employees are for the purposes of discussion, or general information only.

23. Other opinions expressed in these publications or other websites or pages are those of the authors and do not necessarily reflect the views of Lee M. Spano, his officers, agents, representatives, and employees. Accordingly, no claim against Lee M. Spano shall be made in this regard.

24. The opinions expressed in these publications are those of the authors and do not necessarily reflect the views of Lee M. Spano, his officers, agents, representatives, and employees.

25. Lee M. Spano is not responsible for matters contained in links to external providers from this site.

No Financial Advice

26. Disclaimer. The information contained here is not intended as investment advice or any form of advice, and it must not be relied upon or construed as such. The information is provided solely for general education or information purposes and neither purports nor intends to be general advice, specific advice or advice of any kind. No consideration has been given or will be given to the recipient’s individual investment objectives, financial situation or specific needs. In this regard, you should consult your own financial or other advisor. Investments can rise and fall in value. The decision to invest or trade and the method selected is a personal decision and may involve risk. Any information provided must not be construed as providing recommendations in relation to any securities or other financial products. It does not constitute and must not be construed as an offer of securities or other financial products, nor is it an invitation to you to take up securities or other financial products. The recipient releases absolutely the creator of this information Lee M. Spano or his company or other associated entities, employees, consultants, or associates from all or any responsibility or liability for any losses, claims or demands that may be incurred as a result of the recipient using the information for investment or other purposes.

27. Lee M. Spano aims to assist investors become more knowledgeable and independent by providing general information, education and publications including this website. As mentioned earlier, Lee M. Spano does not, and it should not be so construed, give any advice including any financial advice or product recommendation. Accordingly, Lee M. Spano does hold an Australian Financial Services Licence (AFSL).

28. Consequently, Lee M. Spano excludes all liability whatsoever, in negligence or otherwise, for any loss or damage relating to this website, information or other publication to the full extent permitted by law. And the recipient releases absolutely agrees to indemnify and keep indemnified Lee M. Spano his officers, agents, representatives, and employees from all or any responsibility for any losses, claims or demands that may be incurred as a result of the recipient using the this website or information or any publication for investment or related purposes.

29. If this website, any publication or information relates in any possible way to the acquisition, or possible acquisition, of a particular financial product, as mentioned above this should not be construed as any advice whatsoever. Instead the recipient should consult a licensed professional advisor or other advisor and should obtain a product disclosure statement relating to the product and consider that statement, before making any decision about whether to acquire the product.

Severability

30. If any clause of these terms and conditions should be found by a court, tribunal or like authority of competent jurisdiction to be invalid, illegal or unenforceable in any way, then the validity, legality or enforceability of the remaining terms and conditions contained here shall not in any way be so affected or impaired.

Governing Law

31. This Agreement is governed by the laws of Queensland and the parties submit to the jurisdiction of the Queensland courts.

Privacy Policy & Related Terms

1. We are committed to the privacy of our clients and customers. We will never pass on your personal details to anybody else without your consent.

2. We may send E-mail newsletters to people who subscribe by including their E-mail address in one of the "newsletter join boxes" that may be located in this Website. Occasionally, we may send to you a stop press or other special notice that may reveal a special offer to you. After you provide your E-mail address once, we may track your visits as you interact with the site. We may do this using "cookies", which are small files your web browser places on your computer's hard drive. This ensures that when you next visit us we know who you are and recognises your email address so you automatically see the best prices when making an inquiry. Your individual E-mail address is not used for any other purpose and will never be supplied to a third party without your prior consent.

3. When you look at this Website, our Internet Service Provider may make a record of your visit and logs certain information for statistical purposes, including, but not limited to:

Your server address;
Your top level domain (for example .com, .gov, .au.uk, etc);
The date and time of your visit to the site;
The pages you accessed and the documents downloaded;
The previous site you have visited;
The type of browser you are using.

We accept no responsibility in regards to the privacy or use of such information captured and stored on the sites or systems of other parties, and the user agrees not to make any claim against Lee M. Spano and to indemnify Lee M. Spano in respect of any such claims relating to information captured and held by such third parties.

4. We may use third-party advertising companies to serve ads on this Website and other websites. These companies may use information (not personal or contact details) about your visits to this and other Websites in order to measure advertising effectiveness and to provide advertisements about goods and services.

5. When you purchase an item either through this Website or directly from us, we need to collect certain information so that we can process it. By information we mean your name, mailing address, E-mail address, telephone numbers, credit card numbers and so on. This information shall be protected either by us, or a payment authority, such as Paypal. In the event of the latter, we accept no responsibility in regards to the privacy or use of such information captured and stored on their systems and the user agrees not to make any claim against Lee M. Spano and to indemnify Lee M. Spano in respect of an such claims relating to information captured and held by a payment authority.

6. This Website contains links or use tools from other sites, such as Aweber. Please be aware that we are not responsible for the privacy practices of or uses of information by other sites. We encourage users to be aware, when they leave our site, to read the privacy statements of each and every Website that collects personally identifiable information. This privacy statement applies solely to information collected by us only. Further, we accept no responsibility in regards to the privacy or use of such information captured and stored on the sites or systems of other parties, and the user agrees not to make any claim against Lee M. Spano and to indemnify Lee M. Spano in respect of an such claims relating to information captured and held by such third parties.