Terms and Conditions

1. Introduction

Welcome to howardwinstone.com. These Terms and Conditions (“Terms”) govern your access to and use of the website and associated services provided by howardwinstone.com (“we”, “us”, or “our”). By using our Service, you agree to be bound by these Terms. Please read them carefully before using the website.

2. Definitions

For the purposes of these Terms:

– “Service” refers to the website howardwinstone.com and all content, features, and services made available through it.
– “User” refers to any individual or entity that accesses or uses the Service.
– “Content” means any text, images, video, graphics, audio, software, data, and other material made available through the Service, whether provided by us, you, or other users.
– “Account” means a registered user profile created to access certain features of the Service, if applicable.

3. Acceptance of Terms

By accessing or using howardwinstone.com, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must refrain from using the Service.

4. Changes to Terms

We reserve the right to update or modify these Terms at our discretion. We encourage you to review the Terms periodically. Continued use of the Service following the posting of changes will indicate your acceptance of those changes.

5. Use of Services

Eligibility
You must be at least 13 years of age or the age of majority in your jurisdiction to use our Service. By using the Service, you represent and warrant that you meet the eligibility requirements.

Account
To access certain features, you may be required to create an Account. You are responsible for maintaining the confidentiality of your login information and are fully responsible for all activities that occur under your Account.

Prohibited Activities
You agree not to:
– Use the Service for any unlawful purpose;
– Infringe on the rights of others;
– Attempt to gain unauthorized access to the Service or its related systems;
– Introduce malicious software or code;
– Interfere with or disrupt the integrity or performance of the Service.

6. Intellectual Property

All Content and materials on howardwinstone.com, including but not limited to text, images, logos, graphics, and design elements, are the property of howardwinstone.com or its licensors and are protected by intellectual property laws. You may not use, reproduce, or distribute any Content without our prior written permission.

7. User-Generated Content

If the Service allows you to post or submit content, you retain ownership of such content, but you grant howardwinstone.com a non-exclusive, worldwide, royalty-free license to use, display, modify, and distribute such content in connection with the Service.

You are solely responsible for the content you provide and its legality, reliability, and appropriateness. We reserve the right to remove or restrict access to any content that violates these Terms or applicable laws.

8. Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review it separately on howardwinstone.com.

9. Third-Party Services

The Service may contain links to or integrations with third-party websites or services. We do not control or endorse these third parties and are not responsible for their content, policies, or practices. Your use of third-party services is at your own risk.

10. Disclaimers and Liability

The Service is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or reliability of any Content made available through the Service.

To the fullest extent permitted by law, howardwinstone.com disclaims all liability for any indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Service.

11. Indemnification

You agree to indemnify, defend, and hold harmless howardwinstone.com, its affiliates, and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or related to your use of the Service or your violation of these Terms.

12. Termination

We reserve the right, in our sole discretion, to suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users or the Service.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which howardwinstone.com operates, without regard to its conflict of law provisions.

14. Miscellaneous

Entire Agreement
These Terms constitute the entire agreement between you and howardwinstone.com in relation to the Service and supersede all prior and contemporaneous agreements.

Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15. Contact Info

For questions about these Terms, contact us at [email protected].