- Introduction
- Welcome to ImWorseOffThanYou.com. This site is owned
and operated by ImWorseOffThanYou.com (“we”, “us” or
“our”) and it's the place where You can discuss all sorts of matters,
but in particular, why you're worse off than you once were, or other
people around you!
- PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING
OUR SITE. By using our site you are agreeing to be bound by these Terms.
If you don't wish to be bound by what you read below, you shouldn't
use ImWorseOffThanYou.com.
- We may make changes to these Terms at any time. We will let you know
what these changes are by posting them to this page, but it is your
responsibility as a user to make sure that you are aware of them, by
checking for any changes on a regular basis. Changes will become effective
as soon as they are posted. If you continue to use our site after the
posting of changes to these Terms, it means that you accept any such
changes.
- What we do
- This site is all about sharing information on Money Saving and personal
crises. We provide regularly updated general information with our views
on how to save money. After each article you'll find a link to discuss
the articles with other ImWorseOffThanYou.com users
– plus our chat
forum is full of people sharing tips, hints and information on the
catastrophes caused by the credit crunch and recession. The information
that you read on this site is a great starting point for your further
research into what suits your particular financial requirements.
- What we don't do
- The information we provide does not address individual requirements.
In particular, our information does not constitute any form of advice,
recommendation, representation, endorsement or arrangement by us and
is not intended to be relied upon by you in making (or refraining from
making) any specific investment or other decisions. Given that the impact
of any information expressed on our site can vary widely based on your
particular circumstances, you should always carry out your own research
into the product that is of interest to you.
- Privacy Policy
- We take your privacy seriously. Please read our Privacy Policy to
see how we deal with this information.
- Links
- Our site does include details on, or links through to, information
provided by other web sites. We do not and can not control the accuracy
or completeness of information on other sites. You take full responsibility
for using that information and verifying it and for any decision to
use, purchase or refrain from purchasing any of the services or products
mentioned on a linked site. If you do purchase products or services
from another web site please read their contract carefully before deciding
to buy. Remember, your contract for those products or services
will be with them, not us.
- When you use other web sites., any personal information you give them
will be dealt with in line with their privacy polices, not ours, so
please read the privacy policies of each and every such web site before
using them!
- Some of the links included on our site are affiliated links. These
are links which take you directly or indirectly to a another company's
product provider and which may result in us receiving a fee or commission
as a consequence of you clicking through to their site or purchasing
a product from them, but our selection of links is not influenced by
any fee/commission received by financial providers.
- You are welcome to link to our site if you comply with the terms set
out in this section and all applicable laws. Any site or service that
links to our site:
- Can display an ImWorseOffThanYou.com
logo but must not otherwise use any ImWorseOffThanYou.com
trade marks without our written consent;
- Must not remove, distort or otherwise alter the size or appearance
of our logo;
- May link only to our homepage or forum
unless we have given you our prior written consent;
- Must never in any way imply that we are endorsing it or its products
or services;
- Must not misrepresent its relationship with us or present false
information about us;
- Must not be a site or service that infringes any intellectual
property or other right of any person or that otherwise does not
comply with all relevant laws and regulations;
- Must not be a site or service that contains content that could
be considered profane, distasteful or offensive.
- If you breach these terms, then we have the right to require that
your link is removed and to take whatever other action we think
appropriate.
- Our content
- All of the content on our site is owned by us or our licensors and
is protected by UK and international copyright laws.
- The content on our site includes any information or other material
found on ImWorseOffThanYou.com,
including chat forums, articles, databases, graphics, software and all
other features of our site. You are allowed to use our content for personal,
non-commercial use only. You may make one copy of extracts from this
site on any single computer for personal, individual use only, provided
that all copyright and proprietary notices are kept intact. Apart from
that, none of our content may be republished, posted, transmitted, stored,
sold, distributed or modified without our prior written consent.
- The trade marks, ‘ImWorseOffThanYou', ‘I'm Worse Off Than You', ‘ImWorseOffThanYou.com'
‘IWOTY' are jointly owned by Peter Tesseyman and David Clarke and licensed
to Dragon Thoughts Ltd for use on the "ImWorseOffThanYou.com"
web site. All other brand names and trade marks that appear on this
site are trademarks or trade names of their respective holders. No permission
is given in respect of the use of any of these brands or marks and any
such use may constitute an infringement of the holder's rights.
- Your content
- Just so that you know, you retain ownership of any copyright in the
text that you post to our chat forums. However, when you post
text, you expressly grant us a perpetual, unlimited free license to
republish that text on our site and to redistribute/make available and/or
sell that text in print or electronic form anywhere in the world as
part of an edited compilation or otherwise.
- Postings in any language are permitted but for moderation purposes
may be machine translated and translations may be published.
- Disclaimer of warranties and liability
- We provide our site in good faith but we can't and don't warrant the
completeness, truth or accuracy of the information or other content
or postings found on our site, or their usefulness for any particular
purpose. You acknowledge and agree that you bear full responsibility
for your own MoneySaving research and decisions and that we shall not
be liable for any action that you or others take or don't take based
on your use of or reliance on information provided by us or other users
of this Site.
- We don't promise that your access to our site, or its content will
be delivered uninterrupted, timely or error-free, or that the site will
be free from viruses or other harmful properties. It is your responsibility
to implement satisfactory safeguards and procedures to make sure any
files you obtain through our site are free from such contaminations
or other harmful properties.
- The effect of what is set out here is that you agree that under no
circumstances will we be held liable for any direct, indirect, incidental
or other type loss or injury resulting from your use, or downloading
of any content on our site.
- Chat Forum/Message Board/Communications with other users
- We encourage debate and the sharing of information between our users.
However, we do require that your use of our discussion
forums and any other communication systems that we provide is lawful.
- You may not use the chat forums or any of our communication systems
for any illegal purpose and in particular you will not:
- Post or transmit material that infringes the intellectual property
rights or other rights of others or post or transmit any material
that is unlawful, obscene, defamatory, threatening, harassing, abusive,
hateful, or embarrassing to any other person as determined by us
in our sole discretion;
- Post or transmit advertisements for or solicitations of business;
- After receiving a warning, continue to disrupt the normal flow
of dialogue, or post or transmit comments that are not related to
the topic being discussed;
- Post or transmit chain letters or pyramid schemes;
- Impersonate another person;
- Disguise the IP address of the connection used to post any message;
- Post or transmit any files containing viruses or other harmful
computer code;
- Harvest or otherwise collect or use information about others,
including e-mail addresses, without their explicit consent;
- Allow any other person or entity to use your identification for
posting or viewing comments or for communicating with other users;
- Post the same note more than once or “spam”; or
- Engage in any other conduct that restricts or inhibits any other
person from using or enjoying these areas of our site, or which,
in our judgment, exposes us to any liability or detriment of any
type.
- Intentionally make false or misleading statements about investments,
their price or their prospects. If you do, you may be committing
a criminal offence.
- Post either intentionally or otherwise, any material that could
have the effect of manipulating the market value of any investment.
This may be a criminal offence.
- give investment advice by way of business or make financial promotions.
- Please note that any posting of information in these forums is
the opinion of the person posting only and in no way reflects our opinions
or attitudes. Although we believe we have a fantasticallyuseful
forum with a wealth of information of benefit to many users, you
must remember that we operate an open forum and sometimes messages are
posted that are misleading, deceptive, or downright wrong. You should
not therefore rely on information being accurate or complete. If you
do, you do so at your own risk.
- We do not always monitor the use of the chat forums or our messaging
systems, so we do rely on you to inform us if you spot any abuse or
inappropriate behaviour, in which case we will review specific postings.
If you feel you have been threatened, damaged or abused in our chat
forums or via systems that we operate or if you believe any infringement
of your rights may have occurred through our site please contact us
at abuse@ImWorseOffThanYou.com.
- We reserve the right (but we are not obliged) to do any or all of
the following:
- Record the communications in chat forums and communication systems.
- Investigate a claim that any one or more communication does not
conform to the terms of this clause and determine in our sole discretion
to remove or request the removal of the communication(s).
- Remove without notice communications which are abusive, illegal,
or disruptive, or that otherwise fail to conform with these Terms.
- Terminate any user's access to post messages to any or all of
these area
- monitor, edit, or disclose any communication in these areas.
- Edit or remove any or all communications posted on our web site,
regardless of whether such communications breaches these Terms.
- If you disagree with a decision of a Forum Team member, you should
email your appeal to webmaster@ImWorseOffThanYou.com.
You must not use the chat forum to argue any decision of our Forum Team.
- Any decision we make to remove or request the removal of any communication
or to terminate or suspend the posting privileges of any user of the
chat forms shall be final and binding. The termination or suspension
of posting privileges shall apply to any and all user accounts that
may have been used by that person, whether or not opened by that person.
- If you are notified that your posting privileges have been suspended
or terminated, you will not attempt to reregister as a user of the Chat
Forum or make any posts on it in any guise whatsoever.
- When former users whose posting privileges have been removed do reregister
or otherwise disrupt the Chat Forum, this spoils the Chat Forum and
can cause severe distress or disturbance to other users. Dealing with
the unwanted posts of former users distracts us from the core purpose
of the site and ties up management and technician time. Therefore in
such circumstances we reserve the right to:
- Report offenders to their ISP
- Charge offenders for the administrative costs of identifying
and removing their posts at the rate of £50 per hour necessarily
spent plus any external costs that we incur.
- Take legal action to recover these costs.
- Report offenders to the authorities if their actions appear to
amount to a breach of the Computer Misuse Act 1990 or any other
relevant criminal legislation.
- Indemnity
- You agree to indemnify, defend and hold harmless us, our directors,
officers, employees and licensors from and against any claim, liability,
cost, damage or loss we may incur (including reasonable legal fees)
as a result of any material that you post or transmit on our communication
forums or via our communication systems, any actions you take which
disrupt access to and/or the functioning of our site or any breach by
you of your obligations under these Terms.
- General
- If any of these provisions is deemed invalid, void or unenforceable
that provision will be deemed severable from the rest and will not affect
the validity and enforceability of any remaining provisions.
- These Terms shall be governed by the laws of England and any dispute
between us will be resolved exclusively in the Courts of England.
- Changes
- These Terms were published on 9th March 2009.
- Contact us
- This site is owned and operated by ImWorseOffThanYou.com If you have
any questions about our site or these Terms and Conditions, please contact
us by writing to ImWorseOffThanYou.com.
General terms and conditions
of use of "ImWorseOffThanYou.com"
Home