01Terms & Conditions of Use
1.1 Who we are
This website (“Site”) and the book The Essential Truths of Trading (“Book”) are published by [LEGAL ENTITY / PUBLISHER] (“we”, “us”). “Rowan Quill” is a pen name used for authorship; it is not a separate legal person.
1.2 Acceptance
By using the Site you agree to these Terms. If you do not agree, do not use the Site.
1.3 Not financial advice
All content on the Site and in the Book is educational and describes process, principle, and history. It is not investment, financial, legal, or tax advice, and nothing on it is a recommendation, offer, or solicitation to buy or sell any instrument. Trading involves substantial risk of loss and is not suitable for everyone; most people who attempt it lose money. You are solely responsible for your decisions. Past performance, historical examples, and worked readings do not guarantee future results.
1.4 No professional relationship
Use of the Site or Book creates no advisory, fiduciary, or client relationship.
1.5 Intellectual property
The Site, the Book, and all text, figures, emblems, diagrams, code, and design are owned by us or our licensors and are protected by copyright and other laws. You may not reproduce, distribute, publicly display, or create derivative works without our prior written permission, except for brief quotations with attribution in a review or commentary.
1.6 Permitted use
You may view the Site and read purchased copies of the Book for personal, non-commercial use. You may not scrape, resell, sublicense, or use the content to train machine-learning models without written permission.
1.7 User submissions
If you send us feedback or ideas, you grant us a non-exclusive, royalty-free, perpetual licence to use them without obligation.
1.8 Third-party links
The Site may link to third-party sites we do not control and are not responsible for.
1.9 Disclaimers
The Site and Book are provided “as is” without warranties of any kind, to the fullest extent permitted by law. We do not warrant that the Site will be uninterrupted or error-free.
1.10 Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or trading losses arising from the Site or Book. Where liability cannot be excluded, it is limited to the amount you paid us, if any.
1.11 Indemnity
You agree to indemnify us against claims arising from your misuse of the Site or breach of these Terms.
1.12 Changes
We may update these Terms; continued use after changes constitutes acceptance.
1.13 Governing law
These Terms are governed by the laws of [GOVERNING LAW / JURISDICTION], and disputes are subject to its courts.
1.14 Contact
[CONTACT EMAIL]
↑ Top02Privacy Policy
2.1 Scope
This explains how we handle personal information collected through the Site.
2.2 What we collect
- Information you give us: your email address when you subscribe; any message you send us.
- Automatic data: IP address, browser/device type, pages viewed, referring URLs, collected via cookies and analytics.
- Purchases: order and delivery details are processed by our retailer/payment provider (e.g., [RETAILER / PAYMENT PROVIDER]); we do not store your full payment-card data.
2.3 How we use it
To send you the updates you requested; to operate, secure, and improve the Site; to fulfil orders; to comply with law. We rely on your consent (email updates), our legitimate interests (site security and improvement), and contract performance (orders).
2.4 Sharing
We share data only with service providers who act on our instructions (email platform, analytics, host, retailer/payment processor), or where required by law. We do not sell your personal information.
2.5 International transfers
Your data may be processed in countries other than yours; where required we use appropriate safeguards (e.g., standard contractual clauses).
2.6 Retention
We keep subscriber data until you unsubscribe, and other data only as long as needed for the purposes above or as law requires.
2.7 Your rights
Subject to your jurisdiction (e.g., GDPR, UK GDPR, CCPA/CPRA), you may request access, correction, deletion, portability, or restriction of your data, object to processing, and withdraw consent at any time. To exercise these, contact [CONTACT EMAIL]. California residents have the right to know, delete, correct, and opt out of “sale”/“sharing”; we do not sell personal information.
2.8 Email
Every marketing email includes an unsubscribe link. You can opt out at any time.
2.9 Children
The Site is not directed to children under 16, and we do not knowingly collect their data.
2.10 Security
We use reasonable technical and organisational measures, but no method is perfectly secure.
2.11 Changes / contact
We may update this policy; material changes will be posted here. Questions: [CONTACT EMAIL].
↑ Top04Purchase, Delivery & Refund Policy
4.1 Where you buy
The Book may be sold through third-party retailers (e.g., Amazon/KDP, IngramSpark partners) and/or directly via the Site. Purchases made through a third-party retailer are governed by that retailer’s terms, delivery, and refund policies. This Policy governs only purchases made directly from us.
4.2 Formats & pricing
Hardcover, paperback, and ebook may be offered at the prices shown at checkout, inclusive or exclusive of tax as indicated. We may change prices prospectively.
4.3 Physical books
Delivery times and shipping costs are shown at checkout. Risk passes to you on delivery. Report damaged or defective items within [N] days for replacement.
4.4 Digital products (ebook / audio)
On purchase you receive a personal, non-transferable licence to access the content for your own use (see Licence below). Because digital goods are delivered immediately, you agree that your right to withdraw/cancel is waived once download or streaming begins, except where non-waivable consumer law provides otherwise.
4.5 Refunds
Physical goods: returnable within [N] days if unused/undamaged, unless faulty (statutory rights unaffected). Digital goods: refundable only if the file is faulty or not as described, subject to 4.4 and your non-waivable statutory rights.
4.6 Consumer rights
Nothing in this Policy limits mandatory consumer-protection rights in your jurisdiction.
4.7 Contact
[CONTACT EMAIL]
↑ Top05Licence / End-User Terms (digital editions)
5.1 Licence
We grant you a personal, non-exclusive, non-transferable, revocable licence to download and read/listen to the digital edition for your own non-commercial use.
5.2 Restrictions
You may not copy (beyond a reasonable personal backup), share, resell, sublicense, publicly perform, remove notices from, or circumvent any protection on the digital edition, nor use it to train machine-learning systems.
5.3 Ownership
You own the copy/licence, not the intellectual property, which remains ours.
5.4 Termination
The licence ends if you breach these terms.
Note. This page is a working draft prepared for the publisher’s review. Items in [brackets] — legal entity, governing law, contact email, retailer/payment and analytics providers, and refund windows — must be completed, and the whole reviewed by a qualified lawyer in the chosen jurisdiction, before launch.