We encourage users of our site (‘the Site’) to contribute freely to all the features of our site including but not limited to: polls, forums, blogs, live chat, instant messenger, articles, shout box, events and classifieds as long as they do so in a responsible fashion and show respect for others. To ensure you and we are protected, we have developed a standard of conduct that is strictly enforced.

Comments made or posted within any section may at our discretion be removed, whether in breach of the standards or not, without further comment or notice to you. We reserve the right to identify you in response to a court order or threat of legal action. You agree in our Terms and Conditions to permit us to remove any such material.

We may vet the comments before posting and then post them ourselves. If we do so, then you still accept and retain all liability for the comments however edited.
1. No profanity or obscenities of any kind, even disguised with asterisks.
2. No personal attacks on other participants.
3. Defamatory, obscene, indecent, lewd, pornographic, violent, abusive, insulting, threatening and harassing comments are not permitted.
4. No impersonation of other participants, musicians or public figures. A user may choose an appropriate nickname as long as a real name is used in the personal information field (which is not publicly visible).
5. Advertising or marketing must be relevant to the community and purpose of the website
6. No third party copyright material should be posted. Use links instead of quotes from sources rather than copying the material.
7. No libelous or slanderous comments—in the event you use these then you agree to indemnify us against all or any claims and the costs of dealing with these.

Violations and Further Information

To report violations of these rules and to obtain further information on these Rules or any queries on them contact:
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AGREEMENT BETWEEN USER AND SUCCESS COMMUNITY

This Web site is offered to you, the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices.

PERSONAL AND NON-COMMERCIAL USE LIMITATION

This Web site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this Web site.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of this Web site are: Copyright © 2009 Smart Investors Online and/or its suppliers. All rights reserved. Reproduction of any part of this website without the prior consent of Smart Investors Online is strictly prohibited.
Any trademark mentioned in the content of Smart Investors Online are trademarks or registered trademarks of their respective owners.

LIABILITY DISCLAIMER

THE INFORMATION AND SERVICES PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Smart Investors Online AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS WEB SITE AT ANY TIME.

SMART INVESTORS ONLINE AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION AND SERVICES CONTAINED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH INFORMATION AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL SMART INVESTORS ONLINE AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF SMART INVESTORS ONLINE LTD OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this web site, you warrant to Smart Investors Online that you will not use this web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

LINKS TO THIRD PARTY OR ADVERTISER WEB SITES

This Web site may contain hyperlinks to web sites operated by parties other than Smart Investors Online. Such hyperlinks are provided for your reference only. Smart Investors Online does not control such web sites, and is not responsible for their contents. Smart Investors Online inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators.

USE OF DISCUSSION FORUM, CHAT ROOMS, PRIVATE MESSAGING, AND OTHER COMMUNICATIONS FORUMS ON SMART INVESTORS ONLINE

If this web site contains discussion forums, chat rooms, or other message or communication facilities (collectively, “Forums”), you agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, you agree that when using a Forum, you shall not do any of the following:

1. Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
2. Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.
3. Publish, post, distribute, or disseminate any material or information that is untrue, false, or inaccurate .
4. Post under multiple identities and/or names .
5. Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
6. Upload files that contain viruses, corrupted files , or any other similar software or programs that may damage the operation of  another computer.
7. Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.
8. Falsify the origin or source of software or other material contained in a file that is uploaded.
9. Advertise, offer to sell any goods or services , conduct or forward surveys, contests, or chain letters, or post links to 3rd party websites, without the permission of Smart Investors Online.
10. “SPAM” or in any way solicit other members to join any e-mail list, website, discussion forum or subscription.
11. Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner .
12. Share any private message communication with another member, or post any such communications on any other website, discussion forum, or share any such communication via e-mail.

Smart Investors Online has the right to delete, edit, or decline to publish any information provided by those accessing the site at any time and for any reason or that Smart Investors Online in its sole discretion deems to be unacceptable.

By using Smart Investors Online, you agree to indemnify and hold harmless Smart Investors Online, its partners, parent companies, and affiliates from all claims, demands, obligations, liabilities, suits and proceedings, (including claims for defamation, trade disparagement, privacy and intellectual property infringement) and damages (including attorneys fees and costs) arising in connection with information posted on the web site and Discussion Forum, or submitted by the User.

By submitting items to Smart Investors Online for inclusion in the website, and its Discussion Forums, the user grants Smart Investors Online a royalty free, irrevocable license under all intellectual property rights (including copyright) to use, copy, distribute, sub-license, display, perform and prepare derivative works based on those items.

You acknowledge that chats, postings, conferences, and other communications by other users are not endorsed by Smart Investors Online, and such communications shall not be considered reviewed, screened, or approved by Smart Investors Online. Smart Investors Online reserves the right for any reason to remove without notice any contents of the Forums received from users, including without limitation discussion forum postings. Smart Investors Online reserves the right to deny in its sole discretion any user access to this Web site or any portion thereof without notice.

MODIFICATION OF THESE TERMS AND CONDITIONS

Smart Investors Online reserves the right to change the terms, conditions, and notices under which this Web site is offered at any time and without notice.

PRICES

Any prices given on this website are believed to be accurate, but Smart Investors Online does not warrant or guarantee such accuracy. Smart Investors Online and it’s officials do not authorize the use of such prices for any purpose other than your personal use, and prohibit to the maximum extent allowable the resale, redistribution, and use of this information for commercial purposes.
Under no circumstances will Smart Investors Online be liable to the user or any third party for any damages, costs, lost profits or lost opportunity, or indirect, special, consequential, incidental or punitive damages, based upon use of information posted on the website or edited by Smart Investors Online even if Smart Investors Online has been advised of the possibility of such injuries.

The author, Smart Investors Online and Liberty Wealth Club shall have neither liability for, nor responsibility to, any person or entity with respect to any loss or damage caused or alleged to be caused directly or indirectly by the information contained on this website and discussion boards.

We disclaim all liability for these matters. Further, you will indemnify and hold us harmless from all claims, damages, and expenses (including, without limitation, legal fees) relating to the development, operation, maintenance, and contents of this site and Discussion Board.

You agree to absolve Smart Investors Online of any and all liability arising out of your use of this website.

Privacy Policy

1. Online Privacy Practices
Your right to privacy is important to us. We try hard to ensure a fair balance between your personal privacy and ensuring you obtain full value from our site and learn of things you are likely to be interested in. We are registered under the Data Protection Act 1998 and ensure we comply with all protection the Act gives you. Further information on the Act is here: www.dataprotection.gov.uk

2. Registration
When we ask you to provide information it is normally (but not only) to enable us to enhance your site visit, or send (or arrange for others to send) information on things that we believe will interest you or reply to you after your visit. This would include where you subscribe to any online newsletters or provide feedback to us through a contact form for example. When you register we ask you the questions set out on that page to obtain your personal information. We (and/or carefully selected others) may use (and you consent to the use of) your personal data for future e-mail, mailings, phone or other forms of contact, notification of new services, competitions and new versions. In relation to any regular “e-contact” you can ‘unsubscribe’ at any time.

3. Security
Making sure you can interact safely on line is a priority for us and we have made strenuous efforts to ensure that security is one of our highest priorities and we have devoted a great deal of effort to ensure that our online security measures help to safeguard your information. We use technology to allow for the encryption of:
- potentially sensitive information such as your name and address
- critically-sensitive information

4. Cookies
We use cookies (defined below) for collecting user information from the site. You can disable these if you wish by adjusting your browser settings. These Settings vary but more info is found here: www.allaboutcookies.org

Cookies
Message given to a web browser by a web server. The message is then stored by the browser in a text file called cookie.txt. Each time the browser requests a page from the server, this message is sent back. A cookie’s main objective is to identify users and personalise their visit by customising web pages for them, for example by welcoming them by name next time they visit the same site. A site using cookies will usually invite you to provide personal information such as your name, e-mail address and interests.

5. Further Information on Data Protection and Personal Privacy
For further information from us on data protection and privacy contact:
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Information on the Data Protection Act 1998 is also on the Information Commissioner’s website at www.dataprotection.gov.uk