UNIVERSALLY FRIENDLY
In the interest of  a mutual and good relationship and a better understanding it is better to adhere to the terms and conditions listed below which has been fairly laid down for your extrapolation. If you need to discuss any issues please feel free to contact me at universallyfriendly@live.com I want you to be completely happy before you make a purchase and therefore in your interest please do read the Terms and Conditions listed below. Universally Friendly© Copyright 2011. All rights reserved. Any reproduction, adaptation or translation without permission is prohibited except under International Copyright Laws. All the text, graphics, design, content and other works are the copyright works of Universally Friendly©.

TERMS AND CONDITIONS OF USE
Welcome to the website of Universally Friendly©, whose registered domain name is www.universallyfriendly.co.uk. Use of this website is governed by the rules set forth. PLEASE READ THE TERMS AND CONDITIONS BEFORE USING THIS WEBSITE. The information and materials provided by Universally Friendly© is for informational  purposes only. By accessing, downloading or using materials from the Universally Friendly© website you agree to follow the terms and conditions of this legal notice, which applies to all visits to the Universally Friendly© website, both now and in the future. Universally Friendly© may update or edit these terms and conditions at anytime. You are encouraged to visit this page periodically to review the most current Terms and Conditions that you are bound to. If you do not agree with these Terms and Conditions of use please do not use this website.

PRODUCTS AVAILABLE FROM UNIVERSALLY FRIENDLY
All books available from Universally Friendly© at present are eBooks produced in a PDF format. To access these eBooks you would need Acrobat Reader available for free from Adobe at www.get.adobe.com. Later on books from Universally Friendly will be available in different formats such as CD ROMs, DVDs, Memory sticks and Hard Copies. You will be kept informed of these changes and it is also advisable to read the terms and Conditions from time to time. All prices are inclusive of VAT and there is no postage to pay as these are downloadable books.

OWNERSHIPS OF MATERIALS AND INFORMATION
The information and any materials including eBooks, illustrations, product descriptions, video and FAQs on or from this website are copyrighted works of Universally Friendly© and therefore any unauthorised use of this information or materials described may violate copyright, trademark and other laws. All rights not expressly granted herein are reserved. 

MY PERSONAL GUARANTEE
If you are dissatisfied with your purchase please let me know within 30 days and I will refund your money with no questions asked, it is as simple as that. Your friendship is important to me, if you're not happy after reading THE MODERN DAY TRILOGY, just let me know within 30 days, and I will refund you the FULL PRICE! No Questions asked. The purpose of The Modern Day Trilogy is to provide you with the wisdom to seek the Happiness that you deserve. It worked for me and I am sure that it will work for you as well. Any VAT contributions and donations can only be effected 30 days after you decide to keep your purchase. I am sure that you will.

PRODUCT DESCRIPTION
Products listed in the 
Universally Friendly© website are described as accurately as possible but colours occasionally vary according to the quality of the viewer's computer display and ambient lighting conditions. 

ORDERING FROM UNIVERSALLY FRIENDLY
Before placing an order from our website I recommend reading word for word the product description and the benefits it delivers. The revelation that I received has changed my life and I now want to unselfishly share it with you. Once satisfied with the product click add to basket. When you have completed your shopping with us proceed to the checkout. At the checkout you will be asked to provide details so that we could process your order. When paying using Paypal please ensure that you are using the same email address for that account as some customers with several email addresses have experienced problems.

VAT INCLUSIVE PRICES
We accept Paypal, which is a safe online payment that allows you to pay with your credit or debit card. We also accept payment by cheque. If you need to pay by cheque simply send me an email to universallyfriendly@live.com requesting further details. All prices are inclusive of VAT currently rated at 20%. VAT is applicable to the UK and EEC member states, if you reside in another country than you are exempt from paying VAT. Please ensure to state your country of residence at the checkout.


THE ANTHONY PHOTO COLLECTION
As a Universal Friend you are entitled to access my photo collection at anytime. To become a Universal Friend please select a Membership that suits you and then follow the instructions in your welcome booklet that also contains the address for my photographic site. At the moment requesting a high resolution photo is a manual process and you are limited to just three per day. Simply email me at theanthonycollection@live.com and within 24 hours your photographs will be sent to you by email. Later on this will become an automated process. You will be kept informed of this change in The Databank Times. You are welcomed to access this site at anytime that you wish. All photos contained on this site are for the exclusive use of Universal Friends worldwide. You are free to use any photos contained in this site in a digital or printed format. Examples of digital formats are wallpapers and screensavers for mobile phones and desktops, and for multimedia presentations. Examples of printed materials include brochures, magazines, newsletters, books, flyers, CD or DVD covers, postcards, greeting cards, school projects, transfers, business cards, banners, letterheads, stationery and souvenirs. If you are using images contained in this site for commercial gain then you must endorse at the end of your work www.universallyfriendly.co.uk. Examples of commercial usage where a profit is made with the intention of selling are T-Shirts, Postcards, Printed Crockery and printed Stationery such as pens and rulers. Under no circumstances should any photos be used for an illegal nature such as pornographic materials or to hurt or distribute hate to other human beings. You cannot sell any image on this site to a third party.


LINKS TO OTHER WEBSITES
Universally Friendly©’s trademarks may only be used with expressed permission from Universally Friendly© . Universally Friendly©, Solpro, The Databank Times, The Anthony Photo Collection, Historical Countdown, Arnie’s Corner, The Databank Times Keep Fit Centre, JiP or Jaguar international Publications are trademarks of Universally Friendly©. To make our site useful I include wherever possible links to other sites, these sites are owned and operated by third parties. Universally Friendly© makes no represenatation, and is not responsible for, or the availability of these third party sites. A third party link from Universally Friendly© is not an indication that Universally Friendly© endorses this site or does it have an affiliation with this site.

SEPTA POINTS
Septa is a unique way of earning reward points with every purchase that you make. As you accumulate these points you can then use these points to advertise in key areas of The Databank Times and also make future purchases if required from Universally Friendly. You will be kept posted quarterly on how many Septa points you have and details of how you earn Septa points will be given in your welcome booklets of the Silver Membership. Unfortunately your Septa points cannot be redeemed for cash or other purchases and neither is it transferable.

THE DATABANK TIMES
The Databank Times is a free newsletter available free to all subscribers worldwide. At first The Databank Times was a newsletter delivered directly to your PC. Over some careful thought this newsletter has become a permanent website making it accessible whenever you want and wherever you want. There have been no omissions and the trend of Universally Friendly continues to remain fair to all. 
Universally Friendly© cannot be held responsible for any reliance place on this site as the contents of this website is purely for informational purposes.

DISCLAIMER
The Universally Friendly© team strives to provide you with useful, accurate and timely information on this website. Accordingly Universally Friendly© has attempted to provide accurate information and materials on this website and assumes no responsibility for the accuracy and completeness for that information or materials. Universally Friendly© may change the contents of that information or materials on this site or to the products described in them, at anytime without notice. However, Universally Friendly© makes no commitment to update any information or materials on this website which, as a result may be out of date. Neither Universally Friendly© nor its Officers, Directors, employees, agents, distributors or affiliates are responsible or liable for any loss or damage (including, but not limited to, actual, consequential or punitive), liability, claim, or other injury or cause related to or resulting from any information posted on Universally Friendly© website. Universally Friendly© reserves the right to amend the terms and conditions at anytime. It is your responsibility to ensure that you read these terms and conditions from time to time. Universally Friendly© shall not be held responsible for any reliance placed on information resulting in reading this website, its contents, its materials and its products.

PRIVACY POLICY
END USER PRIVACY AND COOKIE POLICY – (Welcome to our Privacy Policy.)

This document explains what we do with the personal information that you give us. If you have not already done so, please read our User Agreement before reading this Privacy Policy. In general, we use the personal information that we collect from you to allow you to use the services offered by our website. This Privacy Policy applies only to our Service and not to any other company, individual, organisation or website. If at any time you have a question about anything contained in this Privacy Policy or a general query on privacy, please contact us using the contact page.

Consent
Your use of our Service signifies your consent to us collecting and using personal information about you in accordance with this Privacy Policy. Should we choose to change our Privacy Policy for any reason the changes will be posted here, so that you are always kept informed of how we collect and use your personal information, and when we may disclose it.

How we collect information from you
In order to process your order we need to gather information detailing the credits and/or debits made to your credit/debit card. At the point of checkout these details are required from you and will not in anyway be kept by us. At the moment payments are made through Paypal and only Paypal holds this information about you.

Cookies
Cookies are small files of information which are stored on your computer. Web sites you visit ask your computer to store this information and retrieve the information from your computer so that they can keep track of things like other web sites you visit or how you navigate our website or other files which provide you with the Site. For more information about what cookies are and how they work, visit www.allaboutcookies.org. On revisiting our website or in using the files, our computer server will recognise the cookie and give us information about your use of the Site. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may still use the Site but you may find that the Site may not function properly or is slower than when you allow a cookie to be installed on your machine.

How we look after your information
We make sure that all the information we hold on you is as safe as possible. In addition, we have strict security procedures covering the storage and disclosure of your information in order to prevent unauthorised access and to comply with the UK Data Protection Act 1998. This means that sometimes we may ask you for proof of identity before disclosing any personal information to you.

What do we do with your information?
We use your information to process orders you make from our Site. We may contact you from time to time to let you know about our services which may include sending you newsletters and news on events that you may be interested in. You can elect not to receive such marketing material at any time by using the methods describe on our contact us page.

When do we give information that you provide us with to other people?
Apart from entities that are involved in helping us to run our Site, we never give your information to any third parties. The entities that help us run our site are www.ekmpowershop.com, which provides hosting and design services to us, and Paypal which provides credit card payment processing services to us. In order to buy material from our Site you will have to comply with the terms of our payment partner, Paypal, and will need to review and agree to Paypal Privacy Policy when you do so (see the Paypal terms and conditions at www.paypal.com  for further information). We and Paypal will share information with each other only to the extent necessary for the purpose Paypal. Ekmpowershop provides the technology on which our Site runs and holds and maintains the databases in which data about our users is contained. Ekmpowershop will only use data you provide to the extent necessary to enable us to operate the Site. We reserve the right to access and disclose individually identifiable information (i) to comply with applicable laws and government requests, (ii) to be able to operate our systems properly or (iii) to protect ourselves or our users.

How to contact us
If you ever want to change any information you have provided to us please use the contact us page.