In order to ensure transparency and create an honest and trusting relationship between myself and you. Below are the details of the current Privacy Policy, Terms of Service and Disclosures for the website Individual Obligation and it services.

For ease and readability, Individual Obligation and its services in the below policies and disclosures will be referred to as ‘we’, ‘us’ and ‘our’.

Changes To Our Policies & Disclosures

These policies and disclosures are subject to change. We will notify you of any changes to our policies and disclosures by posting the modified version on this page.

By then continuing to use our website and services, you will be bound by these modified policies and disclosures. You are encouraged to check the policies and disclosures whenever you access our website or services.

These policies and disclosures were last modified on the 12th of November 2021 due to rebuilding the website by changing many of the plugins and themes.

Privacy Policy

What information is collected about me when I visit?

This blog collects information about your visit, such as name, email address, demographic data and any other information you submit to us. As well as analytics information such as browsing behaviour and IP.

How is my information collected?

Information may be collected through the use of:-

• Cookies
• Facebook Pixel
• Pinterest Tag
• Comments or form submissions when submitting a contact form
• Newsletter sign up
• Interacting with any content on our website or services

How is my information used?

We only collect information about your visit to our website and services for the purpose of analyzing content performance and providing personalized ads and services.

We do not sell or trade your personal information. We may share your personalized information only with third-parties that are explicitly mentioned in these policies. For the purposes of analyzing content and providing personalized ads and services.

If you provide an email or any other details through our comments system these will only be used to respond to your comment.

If you sign up for receiving emails from us, we promise not to spam you and only provide emails that contain honest and transparent information. We use MailerLite for our email list management and as such your email and subscription preferences are stored on their servers. See their Privacy Policy for more details.

This blog currently uses affiliate and ads marketing. Any individual posts that include these will be clearly identified at the top. These may collect information about your visit to personalize advertisements that may be of interest to you. See our Disclosures for more information.

Will my information be shared?

We believe your information deserves to be treated with care and integrity. We want you to have a pleasant experience browsing our blog and the peace of mind that your information is safe with us. We promise you that your information will not be sold, rented or leased to third parties. We may share collected information with select third parties for analytics, security and to provide services.

Such as:-

• Google Analytics to analyze our content performance
• Cloudflare for security to keep the website secure for you and others
• MailterLite to provide email subscription services

For a full list see our Cookies Policy.

There may be some rare circumstances where we may be compelled by law to release certain information to authorities for legal reasons, the safety of viewers or to prevent harm to others.

Can I stop my information from being collected?

Most information is collected through cookies. You will be notified of this when you first visit the site or after you clear your cookies cache.

If you want more details about cookies, how we use them and how to manage your consent settings, then you should check our Cookies Policy.

Additionally, if you do not wish to use cookies you can turn off cookies using your web browsers settings so no information is collected. You should consult your browser’s user guide for specific instructions on how to do this.

What Rights You Have Over Your Data

European residents legally have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us via our contact form.

If you are not a European resident you can still request for your personal information to be deleted.

Is my Information Secure?

We endeavour to make our website and services as secure as possible. To keep your information as secure as possible we do the following:

• We use security provided by CloudFlare
• We have HTTPS protocols and SSL certification
• Data such as those collected from Google Analytics are stored on their secure servers.
• The same is true for email subscriptions – any details are stored on MailerLite’s secure servers.
• Our emails are directly verified with our host to help prevent phishing, spam and fraud.
• We do not store any information we collect about you locally.
• Any devices used to access stored data, or the backend of our website or services are installed with up-to-date antivirus software and browsers.
• We use WordPress’ inbuilt security, best practices and we ensure everything is kept up-to-date.
• We use additional security measures with WordFence to prevent and block attacks.
• We use Askimet to prevent and block spam.

Email Subscriptions

We use MailterLite as our email list management system. This means your email subscriptions and preferences are stored and handled on MailerLite’s secure servers.

Anti-Spam

MailerLite has its own Anti-Spam Policy which we adhere to as part of using their systems. We do not send spam. We aim to send quality and useful content no more than a few times per week.

What you can expect from our emails

If you sign up to our email list (or opt-in to receive a bonus content upgrade) you agree to receive email communications from us including but not limited to newsletters, site updates, promotion resources, and other announcements and correspondence.

Responsibility of Receipt

We accept no responsibility for the accurate receipt of any such emails and you are responsible for ensuring that your email address is not blocked or impaired in any way, including by ensuring ‘white-listing’ of our email address.

How do I opt-out of Email Subscriptions?

You can stop our emails at any time. To opt-out of any of our email correspondences you can let us know via our contact form. Or by clicking the unsubscribe link at the bottom of the email so we can remove you from our list.

If you unsubscribe from receiving our emails, you acknowledge and understand that you may no longer receive information or updates from us.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection using Akismet.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

The comment and its metadata are retained indefinitely. This is so we can recognise and approve any follow-up comments automatically instead of holding them in a moderation queue.

An anonymised string created from your email address (also called a hash) may also be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Contact Form

When using our contact form information is collected on your name, email, IP, the page the form was submitted from. Along with your message, date and time of submission.

We use this information to filter automated spam messages, but also to respond to legit messages. We only use this information to respond to your messages. We do not automatically add you to our newsletters.

Age Restrictions

You must be at least 18 years old to use our website and services. We do not knowingly collect or use personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered only in conjunction with your parents or guardians consent.

By providing us with your data, you warrant to us that you are over 18 years of age.

Marketing Trackers

Facebook Pixel

Our website uses the Facebook Pixel to retarget visitors and optimize our Facebook ads for the most relevant of visitors. We may also collect emails to create custom and lookalike audiences for our Facebook ads. To control your Facebook ads settings see here.

It is important to note that we do not see or have access to this information as it is controlled by Facebook. See Facebook’s Policies for more details on how they use the information.

You may opt-out of behavioral advertising with the Facebook Pixel here.

Pinterest Tag

The Pinterest Tag is installed and is used to track your actions on this website. Such as clicks and opting in for email subscriptions. This tag is used for the purposes of promotional retargeting via Pinterest ads.

The information collected is processed by Pinterest. We do not have direct access to this information. You can read more here on how Pinterest handles this data.

You may opt-out of behavioral advertising with the Pinterest Tag here.

Gravatar

When adding a comment an anonymised string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. This is how Gravatar finds your profile picture to display next to your comment once approved. For more information on Gravatars privacy policy see here.

Cookie Consent

The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies, we need your permission.

You can at any time change or withdraw your consent on the use of cookies.

Prevent & Delete Cookies

If you wish to withdraw your consent for the use of Cookies then you can configure the cookies for our website here or by using the Cookie tab at the bottom of the screen. Most browsers can also alert and prevent certain browser-based cookies.

Some special types of cookies (such as flash cookies) used by Third parties often cannot be disabled by configuring browsers. These cookies are not controlled by us. If you wish to disable these then you should seek out an alternative method of preventing or managing such cookies via the relevant third-party settings panel.

You can also delete cookies already stored on your device. To reject or delete cookies, you should consult the “Help” function of your browser or, for a smart device such as a mobile phone, the device’s manual.

Please note, if, you decide to disable or delete any cookies, some parts or features of our website and services may not display or work properly. Disabling or deleting cookies may also affect your ability to use online or mobile sites not provided by us.

For more information about cookies, cookie management and behavioural advertising the following websites may be useful:-
www.aboutcookies.org
www.youronlinechoices.com/uk

Terms of Service

Copyright

All content on this blog is Copyright © 2017 – 2022 Individual Obligation. You may not reuse, copy or plagiarize our content, images or designs without prior written permission. We reserve all rights to our works.

The exceptions to this are:-

• Some of our images are licensed under the Creative Commons CC0.
• Images of third party products or services are copyrighted by their respective owners and are used purely for editorial use on our site.

Limitation of Liability

We try our utmost to provide honest, accurate and responsible content as well as provide a safe and enjoyable environment for our visitors. We try to moderate user-generated content wherever possible. Despite this, we are not responsible for any errors or omissions on this website. We are not liable for user-generated content such as comments that might contain incorrect, offensive or inappropriate content.

Any content posted on this blog is personal opinion and should be taken “as is”. We are not a professional body and we do not claim to provide professional advice. We are not responsible for any outcomes resulting in trying to replicate anything from our content.

This website may contain links to external websites – we are not responsible for these sites. They have their own policies and disclosures which are independent from ours. We try to ensure all external links are safe and reputable for our viewers. Nevertheless, we are not responsible for their security or any viruses they may be infected by at a later date.

If you do find any external links which you have concerns about. You should let us know via the contact form so they can be investigated and if warranted removed or changed. The security and safety of this blog and our visitors are important to us and taken very seriously.

Termination

We may block people or terminate their account for any violations of our policies. We will not tolerate inappropriate, malicious or bullying behaviour and will take strict action against it.

Governing law

This blog is operating from Poland and as such these are the laws that apply to us.

Disclosures

Affiliate Links

We currently engage in affiliate programs for Amazon, WordPress.com, Bluehost and several other Merchants under the Shareashare network.

Posts that contain affiliate links we will disclose this at the top. Affiliate links do not cost you anything. If you purchase a product using one of our affiliate links we will receive a commission from your purchase which helps us to provide this website as a service to you for free.

Individual Obligation 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.com and Amazon.co.uk.

Reviews

Should we provide reviews for any products and services we will do so fairly and unbiased. We will only endorse products and services we have tried or would use ourselves. We will notify readers if we receive any compensation for reviews or any other content. This will state if we have been paid for a review, received items free to review, at a discount, sponsored or for any other reason.

We will always provide a fair and unbiased review regardless of whether we receive anything in return for the review or not.

Any questions or concerns?

If you have any concerns, questions or feel there is something missing. Then please contact us through the contact form or comments below. Or through any of our social media accounts.