Privacy Policy and Terms of Use

Privacy Policy

The internet offers the chance to collect information about site users. This information can be personally identifiable information or aggregated information. However your privacy is important to us at Speculator.com and we want to be sure that you understand the terms and conditions relating to the way in which we collect information and the use of that information. This Privacy Policy tells you what information we collect, what we do with it and your rights to view, correct or change it.

The Information That We Collect

As part of our operations we may gather certain types of information about the users of our sites:

1. Personally Identifiable Information. This is provided by you when you register for services that we may offer. Examples of these services could include email newsletters or competitions. Providing this information will always be optional for you. However, some services may not be available to you if you chose not to provide it.
2. Aggregated Data. This information is generated by our systems as they track traffic through our sites. This information does not identify you personally and is not linked to the personally identifiable information that you may have provided.

What Else We Do with The Personally Identifiable Information

We have collected this information in order to provide the best possible service to you while you are visiting our sites. To this end we may use the information that you provide for the following purposes:

1. To verify your identity if you need help with a forgotten password or you are having login problems with one of our site services.
2. To process any transactions that you might make on our site.
3. To help provide any other services that you have requested.
4. To offer the most relevant information suitable to your and your interests.
5. For any marketing, promotional, publicity, direct marketing or market research that we might undertake.
6. For any other purposes for which you have given permission.

What About Cookies?

A cookie is a small file that resides on your computer and is recognized by our server when you visit our sites. A cookie does not provide us with any personally identifiable information. It does provide details of your IP address, the computer platform that you use (e.g. Mac or Windows), the browser that you use (e.g. Microsoft Explorer or Netscape) and what domain you are accessing our sites from. With this information we can do the following:

1. Track traffic patterns to our site.
2. Ensure that the most relevant content is being shown.
3. Allow you to enter certain site member services without having to log in each time you visit.
4. Google:

Refusing cookies

If you would rather we did not use cookies with you, you can refuse them by turning them off in your browser and/or deleting them from your hard drive. You will still be able to visit our sites.

Most browsers allow you to refuse to accept cookies.

In Internet Explorer, you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector.

In Firefox, you can adjust your cookies settings by clicking “Tools”, “Options” and “Privacy”.

Blocking cookies will have a negative impact upon the usability of some web sites.

Security

When we collect personal information reasonable steps are taken to keep that information secure and to protect that information from misuse or loss and from unauthorized access, modification or disclosure. Please note however that total security of data transmission over the internet cannot be guaranteed as being completely secure. Hence, we cannot guarantee and we do not warrant the security of information transmitted to us over the internet and you acknowledge that you do so at your own risk.

Information that Speculator.com collects may be stored and processed in and transferred between any of the countries in which Speculator.com operates to enable the use of the information in accordance with this privacy policy.

In addition, personal information that you submit for publication on the web site will be published on the internet and may be available around the world.

You agree to such cross-border transfers of personal information. To Access Your Information
Please contact us at: PolicyATTLeavOutSpeculator.com

What About Our Advertisers and Business Partners?

This web site contains links to other web sites.

I (we) Speculator.com is not responsible for the privacy policies or practices of any third party.
This Privacy Policy only relates to our sites. You should be aware that we are not responsible for the practices of our advertisers or business partners. Our site may contain links to other sites. You should check their privacy policies before providing personally identifiable information to them or any other third party.

Data collection of non-personally identifying information:

We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here.

Opting In and Opting Out

You will always have the option to opt in to certain services and to opt out of those services at any stage. This means you may change your mind at any stage about participating in any of our member services.

Can We Change This Policy?

In order to reflect the fact that our business is growing constantly, we reserve the right to change this policy at any time. We will notify site users of any changes to the Privacy Policy.

No warranties

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

Speculator.com does not warrant that:

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

Nothing on this web site constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial, computer hardware / software, etc. matter you should consult an appropriate professional.

Limitations of liability

I (we) Speculator.com will not be liable to you in relation to the contents of, or use of, or otherwise in connection with, this web site:

* to the extent that the web site 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 I (we) Speculator.com has been expressly advised of the potential loss.

Your use of this web site constitutes acceptance of the above and below terms.

Reasonableness

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

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

Unenforceable provisions

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

Copyright

The copyright in this web site and the material on this web site (including without limitation the text, computer code, artwork, photographs, images, music, audio material, video material and audio-visual material on this web site) is owned by (c)1997 - 2006 -

In other words, all rights are reserved.

For the avoidance of doubt, you must not adapt, edit, change, transform, publish, republish, distribute, redistribute, broadcast, rebroadcast or show or play in public this web site or the material on this web site (in any form or media) without prior written permission.

Data mining

The automated and/or systematic collection of data from this web site is prohibited.

Permissions

You may request permission to use the copyright materials on this web site by writing to PolicyATTLeavOutSpeculator.com.

Enforcement of copyright

Speculator.com takes the protection of its copyright very seriously.

If I (we) Speculator.com discovers that you have used its copyright materials in contravention of the license above, Speculator.com may bring legal proceedings against you seeking monetary damages and an injunction to stop you using those materials. You could also be ordered to pay legal costs.

If you become aware of any use of Speculator.com copyright materials that contravenes or may contravene the license above, please report this by email to PolicyATTLeavOutSpeculator.com.

Infringing material

If you become aware of any material on the web site that you believe infringes your or any other person's copyright, please report this by email to PolicyATTLeavOutSpeculator.com.