By using this web site or downloading software from this website, you agree to the following terms and conditions. If you do not agree with these terms please do not use the site. Cowan Publishing reserves the right to make modifications as we deem necessary at any time. It will be your responsibility to check these terms to see what changes have been made. By continuing to use the Alexandercowan.com web site, you indicate that you accept those changes. The terms of an end user license agreement accompanying a particular software download or installation shall supersede the terms presented below.
Use of Cowan Publishing Content
All information, text, software, files, documents, graphics, photos, drawings, videos, music, sounds, and other content (including “Submissions” as defined in the next section, collectively the “Content”) on our website are owned and copyrighted by Cowan Publishing or our licensors or licensees. As such, the Content is protected by copyright, trademark, and other intellectual property laws.
You, the visitor, may download the Content and print any number of paper copies provided that you:
- retain all copyright, trademark and propriety notices,
- do not create any derivative works from the Content (this does not include modifying a template document and using it within your company for internal planning- that is the intended use of these items and it perfectly fine),
- do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and
- do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes, meaning the sale or use of the content itself.
If you have any questions about how you may use our Content, either for commercial, personal, educational, research, or non-profit purposes, please contact us here: email@example.com.
By submitting content through our website or via email that you send to us (“Submissions”), you automatically grant to Cowan Publishing, or warrant that the owner of the Submissions has expressly granted, the non-exclusive, perpetual, irrevocable, royalty-free, fully-paid, fully transferable, worldwide, sub-licensable right and license to use, copy, reproduce, modify, adapt, publish, translate, create collective or derivative works from, distribute, perform and display the Submissions in whole or in part and to incorporate them in other works in any form, media, or technology now known or later developed, for any and all purposes including advertising, marketing, trade or commercial purposes, all without further notice to you, with or without attribution, and without the requirement of any permission from or payment to you or to any person or entity.
You agree to have your Submissions reviewed by us, and we reserve the right at our sole discretion to modify, to publish, or not to publish your Submissions.
You agree that you may only upload to or transmit through Alexandercowan.com content that is owned by you or for which the owner has given you express permission for distribution on the Internet. You warrant and represent that you either own or otherwise control all of the rights to your Submissions, including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the content, or that your use of the content is a protected fair use.
You agree to indemnify and hold Cowan Publishing and our affiliated companies harmless for any and all claims or demands, including reasonable attorneys’ fees, that arise from or otherwise relate to your use of our services, any content you submit, or your violation of these terms or the rights of another.
COWAN PUBLISHING WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES RESULTING FROM YOUR USE OR ANY OF ITS SITE OR FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR SUBMITTED CONTENT OR FROM ANY BREACH OF THIS AGREEEMENT BY ANY PARTY. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMANGES OR INJURY CAUSED BY ANY USE (OR INABILITY TO USE) THE SITE, FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED, OR ERROR OR OMISSIONS ON OUR SITE.
COWAN PUBLISHING MAKES NO WARRANTIES OR REPRESENTATIONS WITH RESPECT TO THIS SITE, ANY INFORMATION PROVIDED HEREIN OR THE TREATMENT OF SUBMITTED CONTENT. TO THE EXTENT PERMITTED BY APPLICABLE LAW, ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE HEREBY EXCLUDED. IN NO EVENT SHALL COWAN PUBLISHING BE LIABLE FOR ANY INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND.
Excel Workbook Disclaimer
The Excel workbook provided on Alexandercowan.com (“Workbook”) is provided for reference and example purposes only. The Workbook is provided “as is” without warranty of any kind, express or implied, including without limitation the implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement.
Without limiting the foregoing, Cowan Publishing makes no warranty that:
i. the Workbook will meet your requirements
ii. the Workbook will be secure or error-free
iii. the results that may be obtained from the use of the Workbook will be effective, accurate, or reliable
iv. the quality of the Workbook will meet your expectations
v. and errors in the Workbook will be corrected
In no event shall Cowan Publishing be liable to you or any third parties for any special, punitive, incidental, indirect, or consequential damages of any kind, or any damages whatsoever, including, without limitation, those resulting from loss of use, data, or profits, whether or not Cowan Publishing has been advised of the possibility of such damages, and on any theory of liability, arising out of or in connection with the use of the Workbook.
The use of this Workbook is done at your own discretion and risk and with agreement that you will be solely responsible for any damage that results from such activities. No advice or information, whether oral or written, obtained by you from Cowan Publishing shall create any warranty for the Workbook.
This Workbook is not necessarily compatible with all versions of Microsoft Excel.
These terms and conditions comprise the entire understanding and obligations of the parties with respect to use of this site and shall govern any Submissions. If any part of this agreement is found to be contrary to law, then such part(s) shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. This Agreement shall remain in full force and effect for the duration of all copyrights in the Submissions, including any renewals and extensions thereof. You agree that all matters relating to your Submissions and this site shall be governed by the laws of the state of Delaware, excluding its conflict of law provisions. You agree and hereby submit to the exclusive personal jurisdiction and venue of the Virginia Superior Court of Chancery (Richmond District) and the United States District Court to the Eastern District of Virginia, Richmond Branch, with respect to such matters. Cowan Publishing reserves the right to seek all remedies available by law and in equity for any violation of these terms and conditions. The section titles in this agreement are solely used for the convenience of the parties and have no legal or contractual significance…
We do currently use Mouseflow and Google Analytics to track user behavior on an anonymous basis to improve the site’s usability. Mouseflow’s policy is available here.
We collect information from you when you register on our site, subscribe to our newsletter, respond to a survey, fill out a form or visit the site using Mouseflow (anonymous visit recording) .
When ordering or registering on our site, as appropriate, you may be asked to enter your: name or e-mail address. You may, however, visit our site anonymously.
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
- To personalize your experience
Your information helps us to better respond to your individual needs
- To improve our website
We continually strive to improve our website offerings based on the information and feedback we receive from you
- To improve customer service
Your information helps us to more effectively respond to your customer service requests and support needs
- To administer a contest, promotion, survey or other site feature
- To send periodic emails
The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
How do we protect your information?
We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Database to be only accessed by those authorized with special access rights to our systems, and are required to keep the information confidential.
After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 30 days.
Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.
Childrens Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), our policy is located at .
Terms and Conditions
Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at http://www.alexandercowan.com/legal/
This policy was last modified on 3/30/13