Terms And Conditions of use
1.1 These terms and conditions shall govern your use of our website.
1.2 By using our website, you accept these terms and conditions in full;
accordingly, if you disagree with these terms and conditions or any part of
these terms and conditions, you must not use our website.
1.3 If you register with our website, submit any material to our website or use any of our website services, we will ask you to expressly agree to these terms and conditions.
1.4 You must be at least 18 years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.
2.1 This document was created using a template from SEQ Legal
3. Copyright notice
3.1 Copyright (c) 2017 Shlomo Freund - Free Financial Self.
3.2 Subject to the express provisions of these terms and conditions:
(a) we, together with our licensors, own and control all the copyright and
other intellectual property rights in our website and the material on our
(b) all the copyright and other intellectual property rights in our website
and the material on our website are reserved.
4. Licence to use website
4.1 You may:
(a) view pages from our website in a web browser;
(b) download pages from our website for caching in a web browser;
(c) print pages from our website;
(d) stream audio and video files from our website; and use our website
services by means of a web browser, subject to the other provisions of
these terms and conditions.
4.2 Except as expressly permitted by Section 4.1 or the other provisions of these
terms and conditions, you must not download any material from our website
or save any such material to your computer.
4.3 You may only use our website for your own personal and business purposes,
and you must not use our website for any other purposes.
4.4 Except as expressly permitted by these terms and conditions, you must not
edit or otherwise modify any material on our website.
4.5 Unless you own or control the relevant rights in the material, you must not:
(a) republish material from our website (including republication on another
(b) sell, rent or sub-license material from our website;
(c) show any material from our website in public;
(d) exploit material from our website for a commercial purpose;
4.6 We reserve the right to restrict access to areas of our website, or indeed our
whole website, at our discretion; you must not circumvent or bypass, or
attempt to circumvent or bypass, any access restriction measures on our
5. Acceptable use
5.1 You must not:
(a) use our website in any way or take any action that causes, or may
cause, damage to the website or impairment of the performance,
availability or accessibility of the website;
(b) use our website in any way that is unlawful, illegal, fraudulent or
harmful, or in connection with any unlawful, illegal, fraudulent or
harmful purpose or activity;
(c) use our website to copy, store, host, transmit, send, use, publish or
distribute any material which consists of (or is linked to) any spyware,
computer virus, Trojan horse, worm, keystroke logger, rootkit or other
malicious computer software;
(d) conduct any systematic or automated data collection activities
(including without limitation scraping, data mining, data extraction and
data harvesting) on or in relation to our website without our express
(e) access or otherwise interact with our website using any robot, spider or
other automated means[, except for the purpose of search engine
(f) violate the directives set out in the robots.txt file for our website
(g) use data collected from our website for any direct marketing activity
(including without limitation email marketing, SMS marketing,
telemarketing and direct mailing)
5.2 You must not use data collected from our website to contact individuals,
companies or other persons or entities.
5.3 You must ensure that all the information you supply to us through our
website, or in relation to our website, is true, accurate, current, complete and
6. Registration and accounts
6.1 You may register for an account with our website by completing and
submitting the account registration form on our website, and clicking on the
verification link in the email that the website will send to you.
6.2 You must not allow any other person to use your account to access the
6.3 You must notify us in writing immediately if you become aware of any
unauthorised use of your account.
6.4 You must not use any other person's account to access the website unless
you have that person's express permission to do so.
7. User login details
7.1 If you register for an account with our website, you will be asked to choose a
user ID and password.
7.2 Your user ID must not be liable to mislead and must comply with the content
rules set out in Section 10; you must not use your account or user ID for or
in connection with the impersonation of any person.
7.3 You must keep your password confidential.
7.4 You must notify us in writing immediately if you become aware of any
disclosure of your password.
7.5 You are responsible for any activity on our website arising out of any failure
to keep your password confidential, and may be held liable for any losses
arising out of such a failure.
8. Cancellation and suspension of account
8.1 We may:
(a) suspend your account;
(b) cancel your account; and/or
(c) edit your account details;
at any time in our sole discretion without notice or explanation.
8.2 You may cancel your account on our website using your account control panel
on the website.
9. Your content: Licence
9.1 In these terms and conditions,"your content" means all works and materials (including without limitation text, graphics, images, audio material, video
material, audio-visual material, scripts, software and files) that you submit to
us or our website for storage or publication on, processing by, or transmission
via, our website.
9.2 You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence
to use, reproduce, store, adapt, publish, translate and distribute your content
in any existing or future media.
9.3 You grant to us the right to sub-license the rights licensed under Section 9.2.
9.4 You grant to us the right to bring an action for infringement of the rights
licensed under Section 9.2.
9.5 You hereby waive all your moral rights in your content to the maximum
extent permitted by applicable law; and you warrant and represent that all
other moral rights in your content have been waived to the maximum extent
permitted by applicable law.
9.6 You may edit your content to the extent permitted using the editing
functionality made available on our website.
9.7 Without prejudice to our other rights under these terms and conditions, if you
breach any provision of these terms and conditions in any way, or if we
reasonably suspect that you have breached these terms and conditions in any
way, we may delete, unpublished or edit any or all of your content.
10. Your content: rules
10.1 You warrant and represent that your content will comply with these terms
10.2 Your content must not be illegal or unlawful, must not infringe any person's
legal rights, and must not be capable of giving rise to legal action against any
person (in each case in any jurisdiction and under any applicable law).
10.3 Your content, and the use of your content by us in accordance with these
terms and conditions, must not:
(a) be libellous or maliciously false;
(b) be obscene or indecent;
(c) infringe any copyright, moral right, database right, trade mark right,
design right, right in passing off, or other intellectual property right;
(d) infringe any right of confidence, right of privacy or right under data
(e) constitute negligent advice or contain any negligent statement;
(f) constitute an incitement to commit a crime[, instructions for the
commission of a crime or the promotion of criminal activity];
(g) be in contempt of any court, or in breach of any court order;
(h) be in breach of racial or religious hatred or discrimination legislation;
(i) be blasphemous;
(j) be in breach of official secrets legislation;
(k) be in breach of any contractual obligation owed to any person;
(l) depict violence in an explicit, graphic or gratuitous manner;
(m) be pornographic, lewd, suggestive or sexually explicit;
(n) be untrue, false, inaccurate or misleading;
(o) consist of or contain any instructions, advice or other information which
may be acted upon and could, if acted upon, cause illness, injury or
death, or any other loss or damage;
(p) constitute spam;
(q) be offensive, deceptive, fraudulent, threatening, abusive, harassing,
anti-social, menacing, hateful, discriminatory or inflammatory; or
(r) cause annoyance, inconvenience or needless anxiety to any person.
11. Limited warranties
11.1 We do not warrant or represent:
(a) the completeness or accuracy of the information published on our
(b) that the material on the website is up to date; or
(c) that the website or any service on the website will remain available.
11.2 We reserve the right to discontinue or alter any or all of our website services,
and to stop publishing our website, at any time in our sole discretion without
notice or explanation; and save to the extent expressly provided otherwise in
these terms and conditions, you will not be entitled to any compensation or
other payment upon the discontinuance or alteration of any website services,
or if we stop publishing the website.
11.3 To the maximum extent permitted by applicable law and subject to Section 12.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.
12. Limitations and exclusions of liability
12.1 Nothing in these terms and conditions will:
(a) limit or exclude any liability for death or personal injury resulting from
(b) limit or exclude any liability for fraud or fraudulent misrepresentation;
(c) limit any liabilities in any way that is not permitted under applicable
(d) exclude any liabilities that may not be excluded under applicable law.
12.2 The limitations and exclusions of liability set out in this Section 12 and
elsewhere in these terms and conditions:
(a) are subject to Section 12.1; and
(b) govern all liabilities arising under these terms and conditions or relating
to the subject matter of these terms and conditions, including liabilities
arising in contract, in tort (including negligence) and for breach of
statutory duty, except to the extent expressly provided otherwise in
these terms and conditions.
12.3 To the extent that our website and the information and services on our
website are provided free of charge, we will not be liable for any loss or
damage of any nature.
12.4 We will not be liable to you in respect of any losses arising out of any event
or events beyond our reasonable control.
12.5 We will not be liable to you in respect of any business losses, including
(without limitation) loss of or damage to profits, income, revenue, use,
production, anticipated savings, business, contracts, commercial opportunities
12.6 We will not be liable to you in respect of any loss or corruption of any data,
database or software.
12.7 We will not be liable to you in respect of any special, indirect or consequential
loss or damage.
12.8 You accept that we have an interest in limiting the personal liability of our
officers and employees and, having regard to that interest, you acknowledge
that we are a limited liability entity; you agree that you will not bring any
claim personally against our officers or employees in respect of any losses
you suffer in connection with the website or these terms and conditions (this
will not, of course, limit or exclude the liability of the limited liability entity
itself for the acts and omissions of our officers and employees).
13. Breaches of these terms and conditions
13.1 Without prejudice to our other rights under these terms and conditions, if you
breach these terms and conditions in any way, or if we reasonably suspect
that you have breached these terms and conditions in any way, we may:
(a) send you one or more formal warnings;
(b) temporarily suspend your access to our website;
(c) permanently prohibit you from accessing our website;
(d) block computers using your IP address from accessing our website;
(e) contact any or all of your internet service providers and request that
they block your access to our website;
(f) commence legal action against you, whether for breach of contract or
(g) suspend or delete your account on our website.
13.2 Where we suspend or prohibit or block your access to our website or a part of
our website, you must not take any action to circumvent such suspension or
prohibition or blocking (including without limitation creating and/or using a
14.1 We may revise these terms and conditions from time to time.
14.2 [The revised terms and conditions shall apply to the use of our website from
the date of publication of the revised terms and conditions on the website,
and you hereby waive any right you may otherwise have to be notified of, or
to consent to, revisions of these terms and conditions.]
14.3 If you have given your express agreement to these terms and conditions, we
will ask for your express agreement to any revision of these terms and
conditions; and if you do not give your express agreement to the revised
terms and conditions within such period as we may specify, we will disable or
delete your account on the website, and you must stop using the website.
15.1 You hereby agree that we may assign, transfer, sub-contract or otherwise
deal with our rights and/or obligations under these terms and conditions.
15.2 You may not without our prior written consent assign, transfer, sub-contract
or otherwise deal with any of your rights and/or obligations under these
terms and conditions.
16.1 If a provision of these terms and conditions is determined by any court or
other competent authority to be unlawful and/or unenforceable, the other
provisions will continue in effect.
16.2 If any unlawful and/or unenforceable provision of these terms and conditions
would be lawful or enforceable if part of it were deleted, that part will be
deemed to be deleted, and the rest of the provision will continue in effect.
17. Third party rights
17.1 A contract under these terms and conditions is for our benefit and your
benefit, and is not intended to benefit or be enforceable by any third party.
17.2 The exercise of the parties' rights under a contract under these terms and
conditions is not subject to the consent of any third party.
18. Entire agreement
18.1 Subject to Section 12.1, these terms and conditions, together with our
privacy and cookies policy, shall constitute the entire agreement between you
and us in relation to your use of our website and shall supersede all previous
agreements between you and us in relation to your use of our website.
19. Law and jurisdiction
19.1 These terms and conditions shall be governed by and construed in accordance
with The Israeli law.
19.2 Any disputes relating to these terms and conditions shall be subject to the
exclusive jurisdiction of the courts of the Israeli court.
20. Our details
20.1 This website is owned and operated by Shlomo Freund.
20.2 We are registered in Israel under registration number 037207354, and our
registered office is at 20 Habotnim st. Pardes Chana, Israel.
20.3 Our principal place of business is worldwide.
20.4 You can contact us:
(a) using our website contact form;
(d) by email, using firstname.lastname@example.org