Information and examples precedents for introducing polices, procedures, and practices on websites for businesses’ and originations.

1. Website(s) -
Policies,
Procedures, &
Practices
BY GORDON OWEN @ IGO EBOOKS
IGO EBOOKS

2. INTRODUCTION
Information and examples precedents for
introducing polices, procedures, and prac-
tices on websites for businesses’ and origi-
nations.

3. SECTION 1
Website / User Conditions
@ iGO eBooks
NOTICE Please read these terms and conditions carefully.
They set out the terms under which iGO eBooks Web site(s)
information, (i.e. the web site(s) and portals operated by iGO
eBooks), together with the content, search facilities, directory
services, e-mail, forums, links and other internet services pro-
vided through iGO eBooks from time to time, in respect of
which additional terms and conditions may apply) is made
available to you. These terms of use apply to visitors to iGO
eBooks Web site(s) information. By accessing iGO eBooks
Web site(s) information whether as a member/subscriber or
as a visitor you agree to be bound by these terms and condi-
tions.
1. Visiting and/or Using iGO eBooks Web Site(s)
If you provide any details, (including the completion of the do-
nation or subscription forms), to iGO eBooks the details pro-
vided by you on registration are important and must be true,
correct and complete. You agree to notify us immediately of
any changes which are relevant to any information you pro-
vide, or require by informing us at Error! Hyperlink reference
not valid.
2. Your Personal Information
2.1 We will respect your personal information and undertake
to comply with all applicable UK Data Protection
http://www.ico.gov.uk/ legislation currently in force.
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4. 2.2 If you agree provide us with your details, by doing so you
agree that iGO eBooks may use the personal information pro-
vided by you in accordance with the notification given to you
on the form above. Such use will be in accordance with our Pri-
vacy Policy. If applicable our use will however be subject to
any limitations you selected or choices you made on the regis-
tration form. As a visitor of our Website you agree that we
may contact you by e-mail in order to keep you informed of
any service related issues affecting your use of iGO eBooks, un-
less otherwise indicating by ticking the appropriate box above.
2.3 If you are a visitor to iGO eBooks Service our use of your
personal information will be in accordance with our Privacy
Policy.
2.4 To view the Privacy Policy now, please see by clicking on
the image here
3. Our Obligations to visitors to iGO eBooks Web-
site(s)
3.1 We will use our reasonable endeavours to maintain iGO
eBooks Website(s) information in a satisfactory operating con-
dition. As we cannot guarantee that this will always be the
case we do not accept responsibility for any interruptions or
failures in iGO eBooks Website(s) information or for any de-
fects that may exist, or for any costs, loss of profits, loss of
data, or consequential losses arising from your use of, or in-
ability to access or use iGO eBooks Website(s) information.
4. The Contents of iGO eBooks Service
4.1 iGO eBooks Website(s) information is provided without
any warranties or guarantees unless specifically stated.
4.2 Your dealings with, and interest in, promotions, services,
or merchants found on or via iGO eBooks Website(s) informa-
tion are solely between you and the person with whom you are
dealing unless expressly stated to the contrary by us. iGO
eBooks will do its best to help you resolve the situation, but
we will not be responsible for any loss or damages that may
arise from any such dealings.
4.3 We may provide or merchants and content providers
found on or via iGO eBooks Website(s) information may pro-
vide links to other web sites or resources. We are unable to ac-
cept responsibility for these web sites or resources, neither
can we be deemed to have endorsed their content, products or
services merely because they are accessible via iGO eBooks
Website(s) information.
4.4 iGO eBooks makes reasonable efforts to ensure that all in-
formation provided by it within iGO eBooks Website(s) infor-
mation is accurate at the time of its inclusion, however, there
may be errors, inaccuracies or omissions in respect of which
iGO eBooks excludes all liability. iGO eBooks makes no repre-
sentations or warranties about the information included on
this web site, (including links to third parties' web sites). Any
decisions based on the information contained on this web site
are your sole responsibility. Where possible we have included
web site links to both help to direct users directly to sites and
to try and obtained updated details/information.
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5. 4.5 Information provided by iGO eBooks, (and especially third
parties), does not constitute legal advice and should not be re-
lied upon without taking independent advice.
4.6 iGO eBooks, its affiliates, information providers or content
partners do not provide any warranty as to the timeliness, ac-
curacy or completeness of the information contained within
iGO eBooks Website(s) information.
5. Nature of iGO eBooks Website(s)
5.1 Whilst we recognise that the internet is not a completely
secure medium of communication, iGO eBooks will endeavour
to take steps to safeguard the security of any information you
input on this web site or send to us on the internet through
your use of the ‘privacy’ facility(ies) available via your e-Mail
service in sending data to us or receiving data from us. This
technology encrypts the information you input on your system
before it is transmitted to us. iGO eBooks is not and will not
be responsible for any damages the user may suffer as a result
of the loss of confidentiality of such information.
5.2 We reserve the right to suspend, restrict, or terminate
your access to iGO eBooks Website(s) information for any rea-
son, including in particular if your use of iGO eBooks causes
or is likely to cause the whole or part of iGO eBooks Web-
site(s) information to be interrupted, damaged, rendered less
efficient or in any way impaired.
5.3 In order to maintain the integrity of iGO eBooks we re-
serve the right to forward contact details to the police, or
other regulatory authorities where requested to do so; we may
also forward contact details where a complaint arises concern-
ing your use of iGO eBooks Website(s) information and where
that use is deemed by us to be inconsistent with these user
conditions.
6. Your Obligation to Us
6.1 You agree that you will only use iGO eBooks Website(s) in-
formation in a manner that is consistent with these user condi-
tions and in such a way as to ensure compliance with all appli-
cable laws and regulations. In particular, you will not use iGO
eBooks Website(s) information to transmit or post any mate-
rial which is defamatory, offensive, or of an obscene or menac-
ing character, or which may, in our judgement, cause annoy-
ance, inconvenience or anxiety to any person.
6.2 To the extent to which your use, or the use by any person
who may be authorised by you or for whom you are responsi-
ble, (for example as an employer or as the parent or guardian
of a child), causes loss or damage to any person, you agree to
indemnify iGO eBooks immediately on demand in relation to
any such losses or damages attributable to iGO eBooks, includ-
ing where necessary any legal and administrative, or technical
charges that may arise from such use.
6.3 iGO eBooks Website(s) information is intended to appeal
to a wide range of audience and as such none of iGO eBooks
Website(s) information is suitable for use by children. Parents
and guardians are reminded of the importance of supervising
young childrens' use of iGO eBooks Website(s) information.
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6. Parents or guardians of children shall be responsible for the
actions of any such children. Whilst there is nothing unto-
ward or inappropriate provided by us – outside forces, e.g.
hackers may strive to infiltrate and post inappropriate matter
as with other websites. We will remove and report in the un-
likely case of this happening but take such matters seriously
so air this as a precaution.
6.4 Where applicable, you are responsible for maintaining the
confidentiality of your username and the password assigned
to you on registration. As a result, you are fully responsible for
all activities which occur under them. You must notify us im-
mediately of any unauthorised use of which you become
aware by contacting us.
6.5 You are responsible for obtaining the equipment and pay-
ing all telephone charges necessary to access and use iGO
eBooks Website(s) information. You are also responsible for
making your own back-up arrangements in accordance with
good computing practice.
6.6 You agree that the material and content contained within
or provided by Mr Gordon Owen as part of iGO eBooks Web-
site(s) information is for your use only and may not be distrib-
uted commercially without our permission. You may not dis-
play the contents of iGO eBooks Website(s) information or
any part of them in a frame surrounded by other material not
originated by us. Your use of IGO eBooks Website(s) informa-
tion carries with it no rights in relation to copyright, trade-
marks or other intellectual property rights that belong to iGO
eBooks, and Owen Enterprises name(s) are trademarks and
property of the Mr Gordon Owen.
7. Limit of Liability
7.1 iGO eBooks entire liability to you in respect of all matters
associated with iGO eBooks Website(s) information shall be
limited as follows:
(a) Except as set out in (1) and (2) above iGO eBooks accepts
no liability for and hereby excludes any liability for any conse-
quential or indirect losses, loss of profits, loss of business, loss
of goodwill or any form of special damages.
(b) iGO eBooks liability for direct losses shall [subject to sub
paragraphs (a) above] be limited to the amount actually paid
by you to iGO eBooks and all conditions, warranties or other
terms whatsoever inconsistent with the provisions of this sub
paragraph are hereby expressly excluded.
(c) Each of sub paragraphs (a) to (e) above shall be a separate
and severable limitation and if any one or more of them shall
prove for any reason ineffective to exclude any liability re-
ferred to in the relevant sub paragraph(s) the remaining sub
paragraphs shall remain in full force and effect.
8. Other Conditions
8.1 If any provision of these conditions is held to be unenforce-
able, it will not affect the validity and enforceability of the re-
maining provisions.
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7. 8.2 These conditions may be amended from time to time. Any
such amendments shall be effected by posting the amended
terms and conditions within iGO eBooks Website(s) informa-
tion. Amendment to our Website information will simply be
made to the same from time to time without prior notifica-
tion. Any such amendments must be obtained by reading, sav-
ing printing the data. We may also in the same way extend
these conditions to include other conditions applicable to any
specific information or service(s) offered by iGO eBooks from
time to time.
8.3 These conditions shall be deemed to be a contract made in
England and these conditions and your use of iGO eBooks
Website information are subject to English law and the juris-
diction of the English courts.
Mr Gordon Owen and iGO eBooks and all its associated work
is striving to be an Equal Opportunities Provider.
The pages on this and other web site(s) are subject to copy-
right © iGO eBooks 2004-13, unless other shown.
Copyright : © iGO eBooks™
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8. SECTION 2
Copyright & Intellectual
Property @ iGO eBooks
Important This is a legal agreement between iGO eBooks
and its associates and you including any associated iGO/iGO
eBooks/Messrs G Owen & Co/Gordon Owen websites (the
Website(s)) is/are provided by iGO eBooks. Please read the fol-
lowing terms carefully. By using this website you agree to this
agreement whether or not you have read it. If you do not agree
to this, you may not access or otherwise use this Website.
From time to time, iGO eBooks may modify this agreement.
Accordingly, please continue to review this agreement when-
ever accessing or using the Website. If at any time you do not
wish to accept this agreement, you may not use the Website.
You may only use the Website in accordance with the terms
outlined below.
1. 1.1 iGO eBooks either owns or is licensed to use the copy-
right in the data, table, graphic, editorial or other content of
its Website pages and in the data appearing on its Websites un-
less another copyright holder is credited on the relevant Web-
site page.
1.2 We appreciate that our material may help to back-up your
own research or to augment your business's/organisation's
promotional activities. You may use the iGO eBooks owned
7

9. material on this Website for non-commercial use provided
you do all of the following
a) Act within the copyright laws of England and Wales, or of
the territory in which iGO eBooks originally published the ma-
terial;
b) publish the material without any adjustment which would
alter its meaning or bring iGO eBooks, its personnel, represen-
tatives, agents, clients or the subject of the material or any
other person or entity into disrepute;
c) meet the requirements of current Human Rights legislation
and Data Protection Law within Europe, (which rights may ex-
tend to individuals and entities resident outside the European
Economic Area);
d) publish a credit to iGO eBooks or to a specific and relevant
iGO eBooks publication or website, and to any individual
named author, at the foot of the re-used material; and, if re-
produced on a website, include a URL link to the original arti-
cle or the point of entry to that Website page or to the publica-
tion's Website page as agreed in advance in writing with the
Website administrator or the Copyright Owner, iGO eBooks.
1.3 iGO eBooks may make available certain Content Licence
Agreements for the commercial re-use, translation and/or re-
publishing in printed or electronic form of design and content
from its Website and pages. Only a holder of a current Con-
tent Licence agreement who satisfies all requirements of that
Licence agreement may re-use, translate or re-publish in any
form or medium design or content which originates on a Web-
site or webpage owned or managed by iGO eBooks for com-
mercial purposes.
1.4 iGO eBooks incorporates could introduce electronic water-
marking, (and/or other methods), into published material.
Web crawlers are employed to locate watermarked material
and to provide legal proof of its re-use. If the simple condi-
tions above are not met, iGO eBooks reserves the right to pur-
sue any infringement in the Courts of the country where they
suffer damage or you are likely to derive benefit.
1.5 All goodwill associated with your use of the iGO eBooks
trade names or marks shall inure solely to the benefit of iGO
eBooks and you shall not assert any claim or ownership to any
trade names or marks or to the goodwill or reputation thereof.
All other trade marks, brand names, products and other bod-
ies names all over which are cited on this Website are the
trade marks and/or property of their respective owners.
1.6 If you are unsure of the legality of your re-use of material
published on Websites owned or managed by iGO eBooks you
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10. s h o u l d c o n t a c t t h e C o p y r i g h t O w n e r a t
iGOeBooks@iCloud.com
2 2.1 You may not transmit any unlawful, threatening, abu-
sive, libelous, defamatory, obscene, pornographic, profane or
otherwise objectionable material or information of any kind
including but not limited to transmission constituting or en-
couraging conduct which would constitute a criminal offence,
give rise to civil liability or otherwise violate any national or
international law.
2.2 You may not transmit any information, software, e-Mail
or attachment which contains in full or in part any Virus,
Worm, Trojan Horse or other harmful component.
2.3 You may not restrict or inhibit use of the Websites by any
other individual or business/organisation.
2.4 You may not post, publish, transmit, distribute or other-
wise exploit any software, information or material obtained
through the Website of iGO eBooks and its associated sources
other than for the purposes expressly permitted.
2.5 All individual articles, reports and other elements making
up the Website may be copyright works or protected by data-
base rights. You agree to abide by all additional copyright and
database right notices or restrictions contained on the
Website.
2.6 You agree to notify iGO eBooks in writing promptly upon
becoming aware of any unauthorised access to or use of the
Website by any party.
2.7 Other than the licences granted to you under this agree-
ment, you may not copy, reproduce, recompile, decompile, dis-
assemble, reverse-engineer, distribute, publish, display, per-
form, modify, upload to create derivative works from, trans-
mit, communicate or in any other way exploit any part of the
Website and/or the Website's material.
2.8 The Website and all the information contained therein
may not be used to construct a database of any kind nor may
the Website be stored in its entirety or in any part in data-
bases for access by you or any third party or to distribute any
database websites containing all or part of the Website.
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11. 2.9 You agree to indemnify, defend and hold harmless iGO
eBooks from and against any claims, actions, demands or
other proceedings brought against iGO eBooks by a third
party to the extent that such claim, suit, action or other pro-
ceedings is based on or arises in connection with your use of
the Website and any breach by you of this agreement. This
section survives termination of this agreement for any such
reason.
2.10 You accept that iGO eBooks has the right to change the
material, or information of any aspect of the Website at any
time at its sole discretion. You further accept that such
changes result in your being unable to access the Website.
iGO eBooks may have to suspend the Website from time to
time to carry out maintenance and to make upgrades.
3 3.1 Our hyperlinks The Website may include links to third
party websites. Such hyperlinks are included to ease the user's
path through the Internet. Their inclusion cannot be taken to
imply any endorsement or validation by us of the content of
the website referred to. Hyperlinks can become out-of-date
and cease to work or they can direct users to a website page
whose contents or use have been changed by its owner. iGO
eBooks has no control over, and can therefore accept no re-
sponsibility or liabilities for any losses or penalties that may
be incurred or for the accuracy of hyperlinks to third party
web sites, or the content of such third party websites.
3.2 Your hyperlinks You may provide hyperlinks to the Web-
site and pages owned and/or managed by iGO eBooks and its
associates without the prior written consent from iGO eBooks.
Such hyperlinks may only direct users to the home page of
the relevant website, and must display the relevant page in the
same form as this Website, without amendment or
framing.
4 4.1 The material and information published on this Web-
site and on all other Websites of iGO eBooks are provided on
an as is basis without warranty of any kind, either expressed
or implied. iGO eBooks do not guarantee the accuracy or in-
tegrity of the material or information nor its suitability for any
particular purpose. To the extent permitted by law, iGO
eBooks excludes any liability whether in contract, tort (negli-
gence) or otherwise for any incorrect or misleading informa-
tion on the Website.
4.2 Errors can occur and iGO eBooks offer no assurance that
they will be corrected. No liability will be accepted in respect
of service interruptions, nor in the event of any Viruses,
Worms, Trojan Horses and other harmful components being
present in or transmitted by iGO eBooks systems and
networks.
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12. 4.3 iGO eBooks do not accept any liability for any loss of data
or software, revenue, business, profits cost or expense, or any
direct, indirect, incidental or consequential loss or damage
arising out of or in connection with the use of, or the lack of
availability of the Website or their content and/or in connec-
tion with any permission, right or Licence to use the material
given under clause 1.2 or otherwise.
4.4 It is your responsibility to assess the value of the informa-
tion and material on the Websites in the light of your own
business/organisation and personal circumstances. Website
content remains journalistic opinion and does not constitute
legal, financial or professional advice, and may not represent
the views of the iGO eBooks, or agents. iGO eBooks attribute
any non-iGO eBooks material in good faith; however, it is
your responsibility to check the attribution and rights in re-
spect of iGO eBooks and non IGO eBooks material and obtain
any necessary rights in respect of reproduction of any non
IGO eBooks material.
4.5 Subject to Clause 4.6, in the event that the iGO eBooks is
held liable, the total liability of iGO eBooks, (whether in con-
tract, tort, negligence or otherwise), in respect of any loss or
damage arising out of or in connection with the Website shall
be limited for any one incident or series of incidents. This
clause does not affect your statutory rights as a consumer.
This section survives termination of this agreement for any
reason.
4.6 Nothing in this clause 4 shall exclude iGO eBooks liability
to you for fraudulent misrepresentation by iGO eBooks or the
death or personal injury resulting from its negligence or that
of its associates or agents.
5 5.1 No waiver by iGO eBooks of any breach of any obliga-
tion arising under this agreement shall constitute a waiver of
any other breach and no failure to exercise or partial exercise
by iGO eBooks of any remedy shall constitute a waiver of the
right subsequently to exercise that or any other remedy.
5.2 If any provision of this agreement is held by a court of
competent jurisdiction to be invalid unlawful or unenforce-
able for any reason then such part will be severed from the re-
mainder of this agreement, which will continue to be valid and
enforceable to the fullest extent permitted by law.
5.3 This agreement constitutes the entire agreement between
iGO eBooks and you. All prior agreements understandings
and negotiations and representations (save for fraudulent mis-
11

13. representation) whether oral or in writing are cancelled in
their entirety. The terms of any other electronic communica-
tions will not form part of this agreement.
5.4 This agreement is governed by the laws of England and
Wales and the parties submit to the exclusive jurisdiction of
the English Courts. iGO eBooks is committed to safeguarding
your privacy online. It is very important to us that you should
be able to use and enjoy our web sites without having to com-
promise your privacy in any way. This policy will help you
understand how your personal information will be treated.
This policy may change from time to time so please check
back regularly. Please keep in mind that whenever you volun-
tarily disclose personal information online for example on
message boards, through e-Mail, or in chat areas that informa-
tion can be collected and used by others. In short, if you post
personal information online that is accessible to the public,
you may receive unsolicited messages from other parties in
return. Ultimately, you are solely responsible for maintaining
the secrecy of your passwords. iGO eBooks will NEVER com-
promise your security by asking for your password online.
Please be careful and responsible when you are online. If you
have any requests concerning your personal information or
any queries with regard to these practices, please contact by e-
mail to us. Please note, your rights under the Data Protection
Act 1998 are provided for on the forms used on this site for in-
formation, donation, or subscription. What personally identi-
fiable information does iGO eBooks collect from me? iGO
eBooks collects information in several ways from different
parts of our network of web sites.
Some personal information is gathered when you send data
through our web sites, or subscribe to publications or events.
During communications, iGO eBooks asks for your name, e-
Mail address, address and postcode and personal and profes-
sional interests and responsibilities. The more accurate the
information you volunteer, the better we are able to customise
the information, support and help with can provide via our
web sites. Once you provide data you are no longer anony-
mous to iGO eBooks you may be given a password and are
able to take full advantage of our services, (which may be sub-
ject to a charge to cover disbursements and administration
costs, e.g. photo-stat copying, postages and incidental(s). In
addition to completing details on the form(s) on this or other
web site(s) we may ask you for personal information at other
times, for example when you ask to become involved in a pro-
motion, liturgical, social or fundraising event run or spon-
sored by iGO eBooks and when you report a problem with one
of our sites or services. If you contact iGO eBooks we may
keep a record of that correspondence. iGO eBooks also occa-
sionally may ask users to complete surveys that we use for re-
search purposes.
Whenever iGO eBooks collects personal information we try to
include a link to this Privacy Policy on the page in question.
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14. Your responses help us to sell appropriate advertising space
and so minimise the cost of our services to you or even pro-
vide some of them at no charge at all. They also enable us to
personalise services to our readers. iGO eBooks uses cookies
as a means of offering and providing customisable and person-
alised services. However, your browser has settings that will
allow you to accept all cookies, be informed as cookies arrive
or reject all cookies. The downside of rejecting all cookies is
that we are then unable to match the site content we offer you
to what we know about your preferences from your previous
visits. In addition, advertising networks that serve ads onto
iGO eBooks sites may use their own cookies. iGO eBooks col-
lects IP addresses for system administration, for independent
audit and to report aggregate information to our advertisers.
By this we can see how our sites are being used, for example,
what services and facilities are popular, and how long users
spend on particular pages. This is data about our users' brows-
ing actions and patterns and it does not identify anyone
individually. When you telephone iGO eBooks, or someone
who is dealing with calls on our behalf, we may record the con-
versation to ensure the security of any transaction discussed,
to help us to review our quality of service and to assist in the
training and development of the employees who take such
calls. How does iGO eBooks use my information? iGO
eBooks primary goal in collecting personal information con-
cerning subscribers is to provide them with a customised expe-
rience of our site.
By knowing a little about you, iGO eBooks is able to deliver
more relevant advertisements and content to you, and by dem-
onstrating the quality of our users we are able to secure adver-
tising funding which keeps down the costs to the users.
When delivering targeted advertisements, iGO eBooks acts
merely as the intermediaries. Advertisers give us an adver-
tisement and tell us the type of audience they want to reach,
(for example, design specialists, or pump buyers in process in-
dustries). We take the advertisement and display it to users
meeting the relevant criteria. When you join one of our e-
Mail newsletter services the e-Mails you receive may include
advertising material and links to advertisers' web sites. This
does not mean that your details have been passed to the adver-
tiser in question. Furthermore, at the end of each newsletter
you will find either a hyperlink or a description of a route to
have yourself removed from further editions of that
newsletter. iGO eBooks undertakes research on our users'
demographics, interests and behaviour based on the informa-
tion provided to us upon registration, during a promotion,
from our server log files or from surveys. We do this to better
understand and serve you, the user. This research is com-
piled and analysed on an aggregated basis. iGO eBooks may
share this aggregated data with advertisers or business part-
ners. We will use our best endeavours to ensure, where reason-
able, that our business partners and advertising customers
have effective on-line privacy policies and are registered un-
der the Data Protection Act (as all of our relevant businesses
are). When you are on a IGO eBooks site and are asked for
personal information, you may not be sharing that informa-
13

15. tion with iGO eBooks alone. Some services are offered jointly
with a partner group. In order to provide this co-branded serv-
ice to you, it is necessary for us to share your personal informa-
tion with those partner companies.
Promotions and competitions that run on iGO eBooks site(s)
may be sponsored by companies outside the iGO eBooks or
may be co-sponsored by us and another body. Some or all
data collected during a promotion may be shared with the
sponsor. Please be aware that iGO eBooks advertisers or web
sites that have links on our site may collect personally identifi-
able information about you. The information practices of
those web sites linked to iGO eBooks are not covered by this
privacy statement. With whom does iGO eBooks share my in-
formation?
iGO eBooks and its associates, or agents are prohibited by vir-
tue of the Data Protection Act 1998 from disclosing any of
your personally identifiable information except when we have
your permission or under special circumstances, such as when
we believe in good faith that the law requires it or under the
circumstances described below. The following describes some
of the ways that your information may be disclosed. We may
disclose your personal information to business partners or
sponsors, but this is drawn to your attention prior to data col-
lection. Some or all data collected during any iGO eBooks pro-
motions may be shared with a sponsor. If personally identify-
ing data about you will be shared, we will tell you when we col-
lect the data. If you subscribe from a site hosted by iGO
eBooks, the information obtained during the purchasing trans-
action, and the information you give such as your credit card
number and contact information, is provided to the merchant
concerned. This is to enable transactions to take place. You
agree that iGO eBooks and its associates, or agents have no re-
sponsibility or liability for any such independent store privacy
policies. From time to time, you may be offered the opportu-
nity to receive materials or special offers from selected third
parties. If you opt-in to receive information from these third
parties you are giving us permission to share your name and
e-Mail and/or physical address details with them. Under con-
fidentiality agreements, iGO eBooks may match user informa-
tion with third party data. Also, iGO eBooks may disclose ag-
gregated user statistics in order to describe our services to pro-
spective partners, advertisers, and other third parties, and for
other lawful purposes.
Finally, iGO eBooks 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 iGO eBooks
Terms, Database Rights or Copyright or may be causing injury
to or interference with, (either intentionally or unintention-
ally), iGO eBooks rights or property, other iGO eBooks users,
or anyone else that could be harmed by such activities. iGO
eBooks or its sponsors or partners bodies may, from time to
14

16. time, contact you regarding our publications, services or
activities. On some types of iGO eBooks promotions, we will
ask for your e-Mail address in order to update you on your
score, entries and status. When you participate in these types
of promotions, you automatically receive promotion-related
e-Mail. Sometimes these promotion-related e-Mail messages
may include targeted advertisements. From time to time iGO
eBooks does rent or sell user information to other reputable
organisations as permitted under the Data Protection Act
1998. If you do not wish to allow your data to be shared, you
can choose not to use a particular service, not to participate in
certain promotions or contests, or you can select to opt out of
your information being shared on pages we ask you to com-
plete and send to us. No data transmission over the Internet
can be guaranteed entirely secure. While we strive to protect
your personal information, iGO eBooks can neither ensure
nor warrant the security of any information you transmit to us
or from our online products or services, and you do so at your
own risk. Once we receive your transmission, we make our
best effort to ensure its security on our systems.
Copyright : © iGO eBooks™
15

17. SECTION 3
Privacy Policy @ iGO
eBooks
Our Commitment To Privacy
Your privacy is important to us. To better protect your pri-
vacy we provide this notice explaining our online information
practices and the choices you can make about the way your in-
formation is collected and used. To ensure awareness we
make it available on our menu and at every point where per-
sonally identifiable information may be requested.
The Information We Collect
This notice applies to all information collected or submitted
on iGO eBooks Website(s). On some pages, you can order
products/ services/subscriptions, make requests, and register
to receive materials.
The Way We Use Information
You may view the following web pages on our site for detailed
information
16

18. Copyright & Intellectual Property iGO eBooks
- and -
Web Site User Conditions iGO eBooks
- and -
Privacy Policy iGO eBooks
- and -
Accessibility of Web Site(s) iGO eBooks
Our Commitment To Data Security
To prevent unauthorised access, maintain data accuracy, and
ensure the correct use of information, we have put in place ap-
propriate physical, electronic, and managerial procedures to
safeguard and secure the information we collect online.
How You Can Correct Your Information
You can correct factual errors in your personally identifiable
information by sending us a request that credibly shows error.
To protect your privacy and security, we may also take reason-
able steps to verify your identity before granting access or
making corrections.
How To Contact Us
Should you have other questions or concerns about these pri-
v a c y p o l i c i e s , p l e a s e s e n d u s a n e - M a i l a t
iGOeBooks@iCloud.com or use our contact us form by click-
ing on the link.
iGO eBooks contact and any other forms include a
CAPTCHA, which helps combat blank form submissions and
spam. A CAPTCHA is a type of challenge-response test as an
attempt to ensure that the response is generated by a person.
A common type of CAPTCHA requires the user to type letters
or digits from a distorted image that appears on the screen.
17

19. Our guiding privacy principles
Compliance with the Data Protection Act 1998 underlies all of
our personal information privacy practices. We also have a
set of guiding principles which govern how we use the informa-
tion that we collect about you on this website.
These principles are
We aim to continuously improve our website for you. We use
information about (and from) you to help us to do this.
We give you control over the information that we hold about
you, who is allowed to see it and how it is used.
We will not use your information for any other reason unless
you specifically allow us to by consent; choosing to select the
opt in boxes on our registration form; on our web sites; or to
us via e-Mail.
We take all reasonable care to safeguard your information
through security policies and secure business processes.
Why we collect information about your business/organisation
To provide your business/organisation with online services.
Each service has different information requirements. There-
fore the information we need, and what it is needed for, can
differ. For full details please refer to the terms and conditions
for each service.
To enhance or improve your business's/organisation's experi-
ence on our website. When you indicate your preferences
through our registration forms or through your use of our site,
we will use this information to personalise the site to better
meet your business's/organisation's needs.
To provide your business/organisation with information
about voluntary sector fundraising governance issues, and
services that we, or third parties have carefully selected, be-
lieve will be of interest to your business/organisation. Your
business/organisation can change your mind or ask to be re-
moved or at any time through e-Mailing us, or via feedback.
18

20. To keep your business/organisation information secure. To
minimise the risk of unauthorised access to your information,
we may use some of you and/or your business's/
organisation's information to authenticate you when using the
website.
How we collect information about you
We collect information from you in three ways
(1) Directly from you. Sometimes we will ask you for informa-
tion about yourselves/yourself, for example in our subscrip-
tion form or when you make a purchase of our material on-
line.
(2) From third parties: We may ask for information about
your Business/Organisation from third parties, for example
when we get authorisation for a payment you make using a
credit or debit card.
(3) From what your Business/Organisation do on our site.
This can show us for example which web pages you use most
and least, or which downloads are most made. We will use
this information to personalise the site to better meet your
Business's/Organisation's needs
Who sees your information?
The information we collect through our website will be used
iGO eBooks. Exactly who sees your information depends on
the context in which you provided it and whether or not you
have opted in on the registration form. You can change your
mind about the opt-ins at any time through e-Mailing us or
our feedback facilities.
Sometimes we will share your information with carefully se-
lected third parties outside of iGO eBooks. We may do this
for the following reasons
To provide you with a service Some of our services are pro-
vided in conjunction with our business partners, and we will
need to disclose your information to them to provide you with
the services, e.g. exploring potential funders and discussing
feasibility of funding your business./organisation with grant-
19

21. aid bodies. We make it clear in the terms and conditions for
each service whether information will be passed to third par-
ties or not.
To provide you with information about special promotions or
facilities available. If you have given your consent by choos-
ing to opt in, we may share some of your information with
carefully selected third parties so that they can provide you
with information about products and services that may be of
interest to your Business/Organisation.
To protect Gordon Owen @ iGO eBooks, or others We may
share your information with third parties when we believe it is
necessary to comply with the law or protect our or another per-
sons rights, property, or safety. This includes exchanging in-
formation with third parties to protect against fraud and re-
duce payment risks.
We will only deal with third parties that we trust to act in our
client’s best interests and who treat our client’s information
with the same stringent controls that we apply ourselves.
How long do we keep your information?
How long we keep your information collected through our
website depends on the context in which you provided it and
whether or not you have opted out on the subscription or pay-
ment forms, e-Mail, or feedback. Your Business/Organisation
can change its mind about the opt-ins at any time through
these facilities available on many of our web pages.
In particular
We will keep your information that is necessary for us to pro-
vide your Business/Organisation with a service you have re-
quested or purchased through this website for as long as it
takes us to provide that service, or of simply keeping you in-
formed of updates and information relevant to voluntary sec-
tor, and associated business/organisations.
We will keep your contact details for as long as we have your
Business's/Organisation's consent to send you marketing in-
formation and/or pass your contact details to third parties.
20

22. We will keep records of any transactions you enter into on this
website for up to six years. This is so that we can respond to
any complaints or disputes that arise in that period.
We will keep other information about you if it is necessary for
us to do so to comply with the law.
Maintaining the information we hold for you
Please note, we can only delete information about your
business/organisation that we do not need to hold for legal
reasons.
You can request details of all the information iGO eBooks
holds about you, including on this website's,and from external
sources by contacting us via e-Mail, contact us form on this
website, or feedback. We will send you an application form
which you should complete and return, signed by two author-
ised officers of your business/organisation. The charge for
this service is £10 for each request. You can contact us by
writing to: iGO eBooks. Owen House, Essex. UK.
You can of course request at any time that we correct any infor-
mation we hold about your business/organisation.
A note about opt-ins
You can allow us to provide you with information about prod-
ucts and services that we, or third parties we have carefully se-
lected, believe will be of interest to you. We will only do this
with your consent. You give us your consent by choosing to
opt in on your registration form. You can change your mind
and remove or add your consent at any time through the Edit
your profile page.
Please note Selecting to opt out on this website will not pre-
vent your business/organisation from receiving information
about specific services you have expressed an interest in.
When your business/organisation choose to opt in through
this website, this opt in will only apply to the information
stored about your business/organisation on this website's
databases. If your business/organisation have provided infor-
21

23. mation to a business/organisation or business related to iGO
eBooks through another channel, the use of that information
will not be affected by the opt ins you select on this website.
There are some opt ins on this website that may be specific to
individual services. These are independent of the registration
opt out and currently cannot be changed through the 'Edit
your Profile Page'. We are actively investigating the integra-
tion of these opt-ins for your business/organisations conven-
ience.
Please also note that the opt ins on this website cover e-mails,
text and picture messaging and all other forms of electronic
communication.
Keeping your information secure
We know that your privacy is very important to your
business/organisation and that you take the security of your
information seriously.
We have implemented technology and security policies, rules
and measures to protect the personal information we have un-
der our control, both on and off-line, from improper access,
use, alteration, destruction and loss.
Here are some of the ways we protect your informa-
tion
Access to our online services is protected by something called
SSL 128 bit session encryption. Encryption is the process
through which sensitive information is scrambled before it is
transmitted so that it remains private even if it is
intercepted. 128-bit encryption is the strongest encryption
currently used commercially. However, unless your Internet
browser supports 128-bit encryption you will not be able to
take advantage of this level of security (See the How you can
help keep your information secure section below).
Off-line, your information is kept securely in our databases
and location. We only allow entrusted sources to access to
your information, and then only if they need it for a specific
authorised task. The computers on which we store your infor-
mation are kept in a secure environment.
22

24. We do not store payment card details from this website, ex-
cept those collected through the PayPal service for the pur-
pose of payments.
We will take all reasonable steps to protect your information,
but data can never be guaranteed 100% secure. Please note
that we will not be liable for any breach of security unless we
have been negligent.
How you can help keep your information secure
As you would expect of us, we will take all reasonable meas-
ures to ensure that the information you provide through our
website(s) is held and managed securely. However, there is a
lot that you can do to help keep your information safe not just
on our website, but whenever you provide information online.
Here are some simple ways you can improve the security of
your information
Use a strong (alphanumeric) password
Read our advice on choosing a strong password. This will
help your business/organisation choose a password that will
be difficult for other people to guess but easy for you to re-
member.
Use a secure password hint
Do not make your password hint the same as your password!
Your password hint should not give away your password to
someone your business/organisation knows well, for example
'my road' or 'my dog's name'.
Keep your password private and secure
Your password is a key to your personal information and on-
line identity. Do not tell anyone your password or write it
down. If you are concerned that somebody else knows your
password, you can change it on our website by going to the
23

25. Edit your profile page. We recommend that you change your
password from time to time.
Use a Secure Browser
Encryption is the process through which sensitive information
is scrambled before it is transmitted so that it remains private
even if it is intercepted. 128-bit encryption is the strongest en-
cryption currently available, but not all browser versions sup-
port it.
Five popular browsers that support 128-bit encryption are
Firefox version 1.6 and later versions (v7.2 for Mac or later).
Safari (For Macs) version 6.0.4 and later versions.
Google Chrome version 26.0.1410.65 and later versions.
Opera version 11.61 and later versions.
Microsoft Internet Explorer version 5.5 and later versions
(v5.2 for Mac or later).
Security upgrades for some older browser versions are avail-
able. We recommend that you contact your preferred browser
provider, (or web administrator responsible for your server)
for further information.
How we use cookies
A Cooke is a small text file that is saved to the hard drive of
your computer when you use a website.
Our website uses both persistent and session cookies. Persis-
tent cookies are cookies that stay on your computer perma-
nently until you manually delete them. Session cookies delete
themselves automatically when you leave a website and go to
another one or shut down your browser.
The table below explains the cookies our website uses and
what they do
Of these cookies only the Website Analytic cookie(s) can be de-
activated through our website. For the other cookies you can
change the preferences on your browser so that your com-
puter does not accept cookies from our website or allow them
24

26. to be updated. Alternatively you can make your browser give
you an accept or reject option each time our website tries to
create or update a cookie on your computer.
Please note
1. Neither of these options will remove cookies that have al-
ready been placed on your computer or prevent them from be-
ing read. To delete existing cookies you will need to search
your hard drive for the relevant cookie files and delete them.
But please note a deleted cookie will often be replaced the
next time you visit the website that put it there.
2. If your browser is set up to reject application session cook-
ies, some applications on our website will not work.
3. Because the Site cookie may contain or refer to some of
your personal information we recommend you do not register
for our website from a publicly available computer.
For more information about cookies, including how to change
your browser settings and find and delete cookies on your
hard drive.
AdSpeed
We use AdSpeed to disseminate advertisements on iGO
eBooks. Cookies may be presented from AdSpeed to track the
success of the campaign. You can find out more about Ad-
Speed cookies and privacy policy on their website.
Website Analytics
The first time you visit our website a Website Analytic cookie
will be saved on your computer. Some pages of our website
have web beacons or tags coded into them, and when you visit
those pages, register or enter into certain transactions, the
Website Analytic cookie will record that you have done so.
Over time the cookie will build up a history of the pages you
visit and the applications you use on our website.
We use website meters and e-trackers' as Website Analytic
tool(s). This information, together with similar information
from other users, helps us learn things like what kinds of cli-
ents our website attracts, which of our services and web pages
most interest our clients, and what kinds of information/
25

27. material our client's like to view. This in turn helps us make
our website more effective and useful.
The information in the Website Analytic tool(s) is/are anony-
mous. It is also meaningless to anyone but us. Although
Double-Click logs the information for us, it is only allowed to
process the information according to our instructions. No-
body sees the information except us.
If you would prefer us not to collect your information for web-
site analytics you can opt-out by clicking here. This will cause
a do not use instruction to be added to the Website Analytic
tool(s). You should not delete the Website Analytic cookie
from your hard drive because doing so will cause a new, active
Website Analytic cookie to be saved on your computer next
time you visit our website.
Please note that the opt-out will only work for the computer
and browser you are using when you opt-out. If you use more
than one computer or browser you will have to opt-out from
each of them.
Cookie When is it placed? What does it contain? When and
why is it read?
Application cookie When you first visit our website.
It is a persistent cookie that is updated continuously during
your first and subsequent visits.
All the applications used by your business/organisation while
you are on the website(s) for example, iGO eBooks down-
loads.
It does not contain any information identifying you.
We read the information each time you enter an application
on our website(s). This allows us to personalise the applica-
tions for you by serving you with content you are likely to be
interested in based on your previous use of our website(s).
Site cookie When you first visit our website(s).
26

28. It is a persistent cookie that is updated continuously during
your first and subsequent visits.
Website Analytic cookie When you first visit our website(s).
It is a persistent cookie that is updated continuously during
your first and subsequent visits. Information about your activi-
ties on our website. It does not contain any information identi-
fying you. We read the information each time you visit our
website so that we can perform website analytics.
Double-Click 'Spotlight' advertising cookie When you see one
of our advertisements or text links on a third-party website.
Information about your business/organisations activities on
our website. It does not contain any information identifying
you.
Links to other sites
This website includes links to literally thousands of other
sites to help your business/organisation and make the one-
stop-shop service a truly helpful resource making it easier for
you to navigate through the Internet. We make every effort
to provide links to high quality, reputable sites but we are not
responsible for their privacy practices or, site content, or the
services they offer, nor if they do not work.
Telephone calls
Communications in generally are in writing, ostensibly via
e-mail. This is essentially a online website service and there-
fore communications are requested by e-mail please. How-
ever, if you call our telephone number provided on some parts
of our website(s), we may record your call. These recordings
are used for training and quality control to ensure that we con-
tinuously monitor and improve our client service standards.
FAQ's
Copyright : © iGO eBooks.
27

29. SECTION 4
Accessibility of Website(s)
@ iGO eBooks
Accessibility Statement
We are committed to providing a high level of accessibility.
We have developed this and other web sites to widely recog-
nised standards and implemented many ease of use features
aided below with hyperlinks to relevant helpful sources:
How to resize text: in Internet Explorer on the Mac/PC go to
View on the top menu bar of the browser, scroll down and se-
lect Text Size, then select the required text size. For Firefox
Opera and Mac Chrome go to View in the top bar of the
browser, then select Text Zoom, and choose the required text
size.
For Safari go to View in the top bar of the browser, then
choose Make text bigger or Make text smaller in the drop-
down.
How to disable the style sheet: in Internet Explorer on the
Mac/PC go to Tools on the top menu bar, Internet Options,
then select the Accessibility tab. Click the top three boxes in
the popup window. If you wish to attach your own style sheet,
this can be done using the bottom half of this popup window.
For Internet Explorer on the Mac under the Explorer menu,
select Preferences, Web Browser then Web Content.
In the Page Content area, clear the checkboxes next to the
items to be enabled or disabled, including the style sheet.
28

30. For (Mac) under the Safari menu, select Preferences then
advanced. Other style sheets can be attached here.
Hyperlinked text has been written to clearly describe the tar-
get links, and therefore should be understandable even when
removed from context.
Both a product index list and search engine(s) have been pro-
vided, and lists and links all the pages on the website.
Skip links, which enable screen-reading software to bypass re-
petitive navigation links, have been implemented.
In general, web pages have been constructed in one, or two, or
three-column layout. The left hand column always contains
navigation menus; the middle column always contains the
principal page content, and the right hand column (if used)
contains information panels and links to other material. Visi-
tors using certain screen-reading software should set that soft-
ware to column detection mode.
The site(s) makes extensive use of Word PowerPoint Excel
Movie, and PDF Adobe InDesign and ePub documents for
press releases, technical documents and guides, and other in-
formative material.
To convert these to an accessible format please visit one of the
following
M i c r o s o f t O f f i c e ( F o r W i n d o w s )
http://www.microsoft.com/uk/support/
Microsoft Office (For Mac) http://www.microsoft.com/mac
Q u i c k T i m e ( F o r W i n d o w s & M a c )
http://www.apple.com/quicktime/what-is/
1. Adobe Acrobat (For Windows & Mac): Visit the
Adobe Access website http://www.adobe.com/ or the Adobe
http://www.adobe.com/acrobat Simple PDF Conversion facil-
ity.
Links to .doc, .docx ppt, .pptx, .pps .xls, xlsx .mov .wmv, or
.ram, .rm, .zip, qxp, & .pdf .indb documents and external
web sites generally open in a new browser window (Keyboard
function hold Control and 'N' simultaneously).
Access Keys
Access keys have been implemented to access the main sec-
tions of this site. This is an alternative to using a mouse, or
other pointing device and can be quicker than using a mouse.
How to use them if you use Internet Explorer
Press and hold the alt key
Press the required letter or number
Release the keys and press the 'enter' key
How to use them if you use Firefox
Press and hold the alt key
Press the required letter or number
29

31.
How to use them if you use a Mac
Press and hold the control key
Press the required letter or number
If you have any comments regarding the accessibility of our
website please e-Mail us
Our website pages validate as HTML 4.01 transitional, accord-
ing to W3C standards
Our website has been developed to Web Accessibility Initia-
tive (WAI)level A standards.
Copyright : © iGO eBooks™.
30

32. SECTION 5
About the Author
Background Criteria
Proven background and record of over achievement  A per-
sonality that is tenacious, positive, determined and very pro-
fessional  Particularly successful in opening and developing
new opportunities  Actively involved in voluntary sector for
over 38 years  Served on committee/executives as Chairper-
son or Secretary of over 30 such groups over a decade  Suc-
cessful re-developments of church premises, with introducing
one of these as part of the official opening to HM The Queen
 Studied/organised International Youth Exchange Visits 
Personal sponsorship by The British Council  Organised/Co-
ordinated successful public outdoor events designed to pro-
vide awareness + public display / exhibition of youth clubs/
organisations embracing voluntary/ statutory bodies  Devel-
oper / Fundraiser, converting former part of school into youth
exchange hostel  Inaugurated trust body as charity & limited
company  Founded/composed constitution for many
groups.
31

33. Senior Advice Services Manager – Crisis At Christmas 2000
Todate  Fundraising & Development Officer - London Bor-
ough of Newham Swimming Club 1995-1999  (Fete
Chairperson/Co-Ordinator:1993-94), Friends' of Barking
Church of England School-PTA  Vice-Chairperson: Barking
Abbey School, Barking, Essex – 1997-1999  (Vice–Chair-
man: 1978–79 and Chairman: 1979–85)/ 1985/87 Executive
Officer Newham Youth Leader's Association  (Chairman:
1983–96 & Founder Member/Director), Trustee & Company
Secretary, Newham Youth Trust (Limited) 
(Chairman: 1976–79), Youth & Community Worker, St. Bar-
tholomew's Social Club 1984 to 1985  Co–opted Member,
London Borough of Newham Education Committee, Youth
Panel 1983–84 and 1985–1988  Member, Newham Volun-
tary Agencies Council – Children & Young People Steering
Committee 1981/83  Founder and Developer Newham
Youth Lodge Hostel Project, 1979–83  Youth Worker &
Hon.Treasurer, St. Barnabas Youth Club  Past Member, Na-
tional Youth Bureau, London 1977–87 + 1999 todate Parish
Warden & Acting Chairperson  Secretary/Member St Bar-
tholomew's District Church Council, 1977–87 & 1998 todate &
Acting Chairperson  Elected Member, Newham Deanery
Synod, London 1980–81 + 1982–84 + 2002 Todate  Senior
Co-Ordinator · Parish of East Ham • Night Shelter [Turn-
around] Newham Renewal Programme 1998-2004.
32

34. SECTION 6
Disclaimer
No part of this book/eBook may be reproduced or transferred
in any form or by any means, graphic, electronic, or mechani-
cal, including photocopying, recording, taping, or by any infor-
mation storage retrieval system, without the written permis-
sion of the author.
The accuracy and completeness of information provided
herein and opinions or guidance, or referrals stated herein are
not guaranteed or warranted to produce any particular re-
sults, and the advice and strategies, contained herein may not
be suitable for every organisation/group or individual. The
author shall not be liable for any loss incurred as a conse-
quence of the use and application, directly or indirectly, of any
information presented in this work. This publication is de-
signed to provide experienced guidance in regard to the sub-
ject matters covered.
The author has used his efforts in preparing this book/eBook.
Sold with the understanding, the author is not engaged in ren-
dering legal, accounting, financial or other professional serv-
ices. If legal or financial advice or expert assistance is re-
quired, the services of a qualified or competent professional
should be sought. Contact can also be made to the relevant
statutory department. GO.
33

35. SECTION 7
Copyright & Liability
Disclaimer
© 2004-2013 by Gordon Owen
All Rights Reserved. These materials are the copyright of Gor-
don Owen and any dissemination, distribution, or unauthor-
ised use is strictly prohibited. No part of this publication may
be reproduced in any form or by any means, including scan-
ning, photocopying, or otherwise without prior written permis-
sion of the copyright holder.
Liability Disclaimer
By reading this document, you assume all risks associated
with using the advice given below, with a full understanding
that you, solely, are responsible for anything that may occur
as a result of putting this information into action in any way,
and regardless of your interpretation of the advice.
You further agree that the Author cannot be held responsible
in any way for the success or failure of your business as a re-
sult of the information presented below. It is your responsibil-
ity to conduct your own due diligence regarding the safe and
successful operation of your business if you intend to apply
any of the presentation and information in any way to your
business operations.
34

36. Terms of Use & Trademarks
© Terms of Use
You are given a non-transferable, “personal use” license to
this product. You cannot distribute it or share it with other in-
dividuals. Also, there are no resale rights or private label
rights granted when purchasing this document. In other
words, it's for your own personal use only.
No part of this publication may be reproduced, stored in a re-
trieval system or transmitted in any form or by any means,
electronic, mechanical, photocopying, recording, scanning or
otherwise, except as permitted under statute in the UK with-
out the prior written permission of the Publisher.
Requests to the Author/Publisher for permission should be ad-
dressed to Mr Gordon Owen at iGOeBooks@iCloud.com - on-
line at http://igoebooks.yolasite.com
Trademarks:
iGO eBooks/Gordon Owen/Messrs G Owen & Co logos, are
trademarks or registered trademarks of Mr Gordon Owen
and/or its affiliates in the United Kingdom and other coun-
tries, and may not be used without written permission.
All other trademarks are the property of their respective own-
ers. Gordon Owen is not associated with any product or ven-
dor, or organisation mentioned in this book.
35

37. SECTION 8
© Limit of Liability/
Disclaimer of Warranty
THE PUBLISHER AND THE AUTHOR MAKE NO REPRE-
SENTATIONS OR WARRANTIES WITH RESPECT TO THE
ACCURACY OR COMPLETENESS OF THE CONTENTS OF
THIS WORK AND SPECIFICALLY DISCLAIM ALL WARRAN-
TIES, INCLUDING WITHOUT LIMITATION WARRANTIES
OF FITNESS FOR A PARTICULAR PURPOSE. NO WAR-
RANTY MAY BE CREATED OR EXTENDED BY SALES OR
PROMOTIONAL MATERIALS. THE ADVICE AND STRATE-
GIES CONTAINED HEREIN MAY NOT BE SUITABLE FOR
EVERY SITUATION. THIS WORK IS SOLD WITH THE UN-
DERSTANDING THAT THE AUTHOR/PUBLISHER IS NOT
ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR
OTHER PROFESSIONAL SERVICES. IF PROFESSIONAL AS-
SISTANCE IS REQUIRED, THE SERVICES OF A COMPE-
TENT PROFESSIONAL PERSON SHOULD BE SOUGHT.
NEITHER THE PUBLISHER NOR THE AUTHOR SHALL BE
LIABLE FOR DAMAGES ARISING HEREFROM. THE FACT
THAT AN ORGANISATION OR WEBSITE IS REFERRED TO
IN THIS WORK AS A CITATION AND/OR A POTENTIAL
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