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Legal Notices

Legal Notices

Here ya go! All the required legal notices on a single page, including...
Affiliate Disclosure
Amazon Affiliate Disclosure
Cookies Policy & Usage
Medical and Health Disclaimers
Privacy Policy
Refund Policy
Terms & Conditions.

Terms & Conditions

Last updated: 26 October 2019.

The following terms and conditions govern all use of the website and all content, services and products available at or through the website (taken together, "the Website"). The Website is owned and operated by Gary Harvey ("the Owner"). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, the Website's Privacy Policy) and procedures that may be published from time to time on this Site by the Owner (collectively, "the Agreement").

By continuing to browse this site, you agree to and confirm the following:

  1. Your use of this website is entirely at your own risk. Neither this site nor its owner are legally responsible for any loss or damage you may incur as a result of your use of this site and its contents.
  2. This website and its owner accept no responsibility for the content, policies or safety of other sites whose links may appear here.
  3. Visitors to this site are reminded that all content here is protected by copyright and may not be stolen for use elsewhere. To all the good folks who would never dream of doing this — sorry for this unpleasantness, folks.
  4. This website is provided “as is” without any representations or warranties, expressed or implied. The website owner makes no representations or warranties in relation to this website or the information and materials provided on this website. The information presented here was believed to be accurate at the time it was posted, however such information should not be relied upon as all-inclusive or accurate.
  5. Nothing on this website constitutes, or is intended to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
  6. The site owner will not be held liable to you, the site visitor, in relation to the contents of, or use of, or otherwise in connection with, this website.
  7. Governing law: This website complies with Australian Consumer Law so in the unlikely event that a dispute arises which cannot be resolved between the parties, the matter will be dealt with under the laws of Canberra, Australia. If any of these terms and conditions are deemed invalid or unenforceable, you agree that the rest of them will remain in full force and effect. As a website visitor, subscriber or customer, you expressly agree you do not have the right to go to court or have a jury trial, nor to engage in pre-trial discovery, nor to participate in any class action related to material on this site or services supplied through this site. The arbiter's decision will be final and binding. In the event that you become the prevailing party in a legal dispute, you expressly agree to pay for any and all costs associated with the dispute including legal fees, collection fees, investigation fees and travel costs.
  8. By using the site, you forever waive all rights to making claims of damage or harm of any kind, no matter how extensive, whether personal or business, whether foreseeable or not.
  9. Refund policy: For digital downloads purchased from this site — if you are not satisfied with the product, please contact me within 30 days for a full refund. For purchases from other sites, their refund policies and practices apply.
  10. Unless you have entered a written contract with the website owner, you have no right to use any information contained herein in any public or commercial setting. By visiting the site, you agree that any such use is unlawful. This prohibition applies to any and all of the content, including but not limited to text, images, underlying code, invisible pages, and other intellectual property or copyrighted material. Framing the contents of this site in any other website is expressly prohibited.
  11. Copyright Infringement and DMCA Policy. As asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by violates your copyright, you are encouraged to notify us in accordance with our Digital Millennium Copyright Act ("DMCA") Policy. We will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. We will terminate a visitor's access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of or others. In the case of such termination, we will have no obligation to provide a refund of any amounts previously paid to
  12. Malware: By using the site, you accept that the website owner carries no responsibility for damage to software or computers in the event that corrupting code or data is transmitted from the site to your computer. You accept that you interact with the site, including any advertising or banners or pop-ups, at your own risk. Similarly you accept that downloads from this site are entirely at your own risk. This website makes no warranty that downloads are free from malware, worms, viruses or other computer-corrupting code.
  13. Changes: Terms of use may change from time to time so visitors have a duty to keep themselves informed of changes. You understand and agree that the site has no duty to provide you with any notice of any changes to the site.
  14. No Liability: Under no circumstances will the product creator/s or any associate, affiliate, or distributor be liable to any party for any direct, indirect, punitive, special, incidental, or other consequential damages arising directly or indirectly from the use of the information or the products presented on this site. Information and products are provided "as is" and without warranties. Use of the information and/or product/s indicates your acceptance of the "No Liability" policy. If you do not agree with this "No Liability" policy, then you are not permitted to use or distribute this product (if applicable). Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. The liability for damages, regardless of the form of the action, shall not exceed the actual fee paid for the product/s or information.
  15. Indemnification. You agree to indemnify and hold harmless, its owner/s, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys' fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.
  16. Failure to read this notice in its entirety does not void your agreement to this policy should you decide to use any of this site's products or information.

Affiliate Disclosure

This site may contain affiliate links to third party products or services where the site owner may earn an affiliate commission if you purchase based on this site’s links or information. These purchases are at no additional cost to you.

Amazon Affiliate Disclosure

The owner of this website is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon properties. Amazon offers a small commission on products sold through their affiliate links. Each of your purchases via these Amazon affiliation links supports this writer at no additional cost to you.


The materials at this site are provided "as is" and without warranties of any kind, either expressed or implied. The content of this website is, for legal purposes, for informational and entertainment purposes only. The information contained herein, while believed to be correct, is not guaranteed to be accurate or complete.

Medical and Health Disclaimers

It is stated that, for legal purposes, the contents of this website and any associated emails are for informational and entertainment purposes only and are not intended to be a substitute for professional medical advice, diagnosis, or treatment. This website does not provide medical advice, diagnosis, or treatment. For medical advice, treatment or diagnosis, consult a competent health care professional. Content supplied from this website is not intended to diagnose, treat, cure, or prevent any disease. Always seek the advice of a qualified health provider with any questions you may have regarding a medical condition. These statements have not been evaluated by the U.S. Food and Drug Administration or any other body.

Privacy Policy

It is's policy to respect your privacy regarding any information we may collect while operating this website. We comply with General Data Protection Regulation (GDPR) (EU) 2016/679.

Website Visitors

Like most website operators, collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request.'s purpose in collecting non-personally identifying information is to better understand how's visitors use its website. From time to time, may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Data Controller

The controller of any personally-identifiable-information gathered by is Gary Harvey. Make contact at any time to:

  • Request access to any information that has about you
  • Correct any information that has about you
  • Delete any information that has about you

If you have any additional questions about's collection and storage of data, please use the contact link  in the footer below.

Information Collection And Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected:

Personal Identifiable Information

While using our Service, we may ask you to provide us with - or gather automatically - certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information collected by includes:

  • Cookies and Usage Data
  • Your computer's IP address
  • Your email address (if you've left a comment on the site)

Cookies Policy & Usage

Usage Data

We collect information about how our Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.

IP Address

Any time you visit this website, a record of that visit is stored on this website's servers. This data is used to identify any technical issues with the website and is stored by a 3rd party for 36 months.

Email Address

If you leave a comment on this website, you are required to include an email address. This email address is not displayed publicly but is available to the website administrator and stored on the website's servers until such time as the comment is deleted. That information is used to determine whether future comments should be automatically approved or manually reviewed by the website administrator before the comment can be published in order to reduce spam. You may request that your comment and email address stored on the website's servers be deleted at any time by contacting the administrator by using the contact link in the footer below.

Use of Data uses the collected data for various purposes:

  • To provide and maintain the Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer care and support
  • To provide analysis or valuable information so that we can improve the Service
  • To monitor the usage of the Service
  • To detect, prevent and address technical issues only discloses visitor IP addresses, logged in user information and commenter IP addresses and emails under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Transfer Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data:

Legal Requirements may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

Security Of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.


We may use third-party Service Providers to monitor and analyze the use of our Service.

  • Google Analytics
  • Google Webmaster Tools/Google Search Console

Aggregated Statistics may collect statistics about the behavior of visitors to its websites. may display this information publicly or provide it to others. However, does not disclose personally-identifying information other than as described above.

Protection of Certain Personally-Identifying Information discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on's behalf or to provide services available at's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using's websites, you consent to the transfer of such information to them. will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when believes in good faith that disclosure is reasonably necessary to protect the property or rights of, third parties or the public at large. If you are a registered user of an website and have supplied your email address, may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Business Transfers

If, or substantially all of its assets, were acquired, or in the unlikely event that goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of may continue to use your personal information as set forth in this policy.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.


Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by and does not cover the use of cookies by any advertisers.

COPPA (Children Online Privacy Protection Act)

This website denies access to any individual who is covered by the Child Online Privacy Act (COPA) of 1998. Specifically people under age 18 are denied access to this site. If you are under 13 years old, it is unlawful for you to visit, read or interact with this site and its contents. When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under the age of 13 years old.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. According to CalOPPA, we agree to the following: Users can visit our site anonymously; Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website; Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above; You will be notified of any Privacy Policy changes on our Privacy Policy Page; You can change your personal information by logging in to your account.


The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your email address in order to: Send information, respond to inquiries, and/or other requests or questions; Process orders and to send information and updates pertaining to orders; Send you additional information related to your product and/or service; Market to our mailing list or continue to send emails to our clients after the original transaction has occurred. To be in accordance with CAN-SPAM, we agree to the following: Not use false or misleading subjects or email addresses; Identify the message as an advertisement in some reasonable way; Include the physical address of our business or site headquarters; Monitor third-party email marketing services for compliance, if one is used; Honor opt-out/unsubscribe requests quickly; Allow users to unsubscribe by using the link at the bottom of each email. If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from the mailing list you are on.

Privacy Policy Changes

Although most changes are likely to be minor, may change its Privacy Policy from time to time, and in's sole discretion. encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

Contact Information

If you have any questions about our privacy policy or data collection and usage, please contact the website administrator using the contact link in the footer below.

Refund Policy

Refund policy: For digital downloads purchased from this site — if you are not satisfied with the product, please contact me within 30 days for a full refund. For purchases from other sites, their refund policies and practices apply.

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