Terms and Conditions
OEB = Oak eBooks Limited = "we".
user = anyone who uses this site = "you".
customer = a user who has made a purchase.
These terms shall come into effect on your creating an account on this website, or downloading any files from it.
Terms of Sale
Depending on the particulars of the sale, transactions are processed by either ClickBank (acting as retailer) or WorldPay (acting solely as payment service provider, with OEB acting as retailer).
Purchased products consist of downloadable files, and possibly also access to privileged pages on this website.
Any downloadable file may be downloaded up to a maximum of 10 times, over a period of 90 days from the date of purchase.
The customer is allowed to keep two electronic copies of each downloadable file, and one printout. Any printout must be completely destroyed before printing out a new copy.
Regarding the content of any purchased material, this is for information only; the customer takes full responsibility for the use of any information contained therein, and indemnifies us from any claims, losses, damages or other liabilities arising from the use of any such information, whether the information is accurate or not.
Where sales are processed via ClickBank:
- ClickBank is the retailer of products on this site. CLICKBANK® is a registered trademark of Click Sales, Inc., a Delaware corporation located at
1444 South Entertainment Ave, Suite 410, Boise Idaho, 83709, USA and used by permission. ClickBank's role as retailer does not constitute an
endorsement, approval or review of these products or any claim, statement or opinion used in promotion of these products.
Any product bought from OEB or ClickBank is protected by a 60 day money back guarantee, in case a customer is dissatisfied with the product.
Refunds will be made within 14 days of a valid request. If a customer does not receive a response within seven days of their request, they are requested to contact us again, as we might not have received the initial message. (All forms of communication are universally prone to this.)
On a refund being made, customers must delete all copies of files purchased, and destroy any printouts of the same. Access to premium online pages will also be revoked.
Privacy and GDPR
A user account is created when any of the following happens:
- a user requests a free report supplied by this site;
- a user creates an account for the purposes of buying a product;
- a user, having purchased a product via ClickBank, follows the download link to access their product.
OEB does NOT collect sensitive data (as defined by GDPR). OEB may collect the following:
Name, address, email address, purchases made, the number of times a purchased file has been downloaded; data concerning emails sent to the user; IP addresses used to access the site; other administrative data.
OEB is obliged to maintain a record of purchases for administrative, tax and legal purposes.
For the purpose of processing payments, user data may be sent to and from third party payment service providers.
The user's name, email address and other data associated with a purchase may appear on downloadable files as a watermark.
The same data may appear as a watermark on videos associated with any purchase.
OEB may send these data to a third pary provider to facilitate this watermarking on videos.
User data may be used in legal action if the user breaches this contract.
A limited amount of tracking is used to monitor the success of different advertising campaigns, and to facilitate affiliate marketers getting their due payment for sales they generate.
Some web pages identify the advertising source that brought a user to this site, and this may be stored in a user's account, and may also be sent to ClickBank with the user's email, to connect sales to marketers.
Various email lists are maintained at OEB, some of which are privileged to purchasing customers only.
Messages sent via any of these lists may contain information, or promotions of related products, whether from OEB or a third party. Where a product is provided by a third party, OEB may profit from sales generated by these promotions.
Permission (from OEB to the user) to receive emails from a list is sometimes referred to as a "subscription", but list emails are only sent out to users with active subscriptions. Subscriptions are activated by the user indicating this using the controls on various pages, on OEB's or ClickBank's web pages.
In any case, a user may deactivate any subscription at any time, via their account page on OEB, or by the use of the link in any email from such a list.
After deactivation of any list, the user may still receive messages which are queued for delivery for a short time after this deactivation.
Administrative emails are sent out as necessary, independent of the status of email list subscriptions.
Cookies are small files that websites send to your browser, which your browser stores internally. Cookies may have expiration dates, after which the browser should automatically delete the cookie. This site does not use non-essential cookies (tracking cookies, etc.).
It does use essential cookies:
- 1) if you log in to your account, a temporary session cookie is created to identify the account you have logged into, for the duration of the session.
- 2) if you select the "Keep me logged in" option, cookies are created for this purpose; these will auto-expire 6 months after their last use.
As these cookies are essential for the functioning of the website, separate consent is not required, but is implied by the use of this website and acceptance of the terms and conditions. This is taken as sufficient in order to be more user friendly. Users are free to delete these cookies from their browser, though this will effectively log them out of the system.
Beyond these terms, OEB does not share, give away, sell or loan users' data to any other entity except where legally obliged to do so.
Data Storage, Transfer and Security
User accounts are stored on the databases of a dedicated website hosting company, who are entrusted with the security of these data.
Data are transferred from the user to the hosting site via secure internet connections. While we take care over user privacy, and take reasonable steps to ensure its security, all data is transferred at your risk.
Data may be sent to service providers outside of the EEA (European Economic Area) to enable them to provide services as described in this contract. All service providers used are GDPR compliant. The user consents to this transfer.
Right of Rectification
The user has the right to rectify any information held. The account controls on this site allow users to change their account data (email address, name, address). New data overwrites the old, though old data may still exist in OEB's records of emails sent out by OEB, and past order data, and on the databases of external payment service providers.
Retention of Data
OEB is required by law to retain basic information about customers for six years after they stop being customers.
Similarly, OEB will retain records of users who obtain free reports for the same length of time.
OEB may also retain records of users for as long as they have an active email subscription plus two years.
Right of Erasure
You may request erasure of data about yourself, by contacting email@example.com. Where we are not required by law to keep data, we will then erase your account and associated data within 30 days.
Access to Information
You have the right under the Data Protection Act to access the information which we hold about you. If you wish to exercise this right, please send your request to firstname.lastname@example.org. In order to meet our costs in responding, we will charge you a fee of £10.
Who can you complain to if you feel we are not handling your data correctly?
You agree to keep access to your account, be it by password and email address, or other means, limited to you alone. You must notify us immediately if you become aware of unauthorized access to your account, and you indemnify us against all liabilities arising from such access.
If any part of this contract is deemed unlawful or unenforceable by a competent authority, the remainder of the contract shall remain valid to the fullest extent permissible by law.
This contract, and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law.
We each irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this contract or its subject matter or formation (including non-contractual disputes or claims).