This website is operated by Learning to Flourish (LtF), a sole proprietorship owned and operated by Katherine Banham.
LtF accepts no responsibility and, to the fullest extent permitted by law, excludes all liability in connection with browsing this site, use of information on this site and downloading any material from it including, but not limited to, any liability for errors, inaccuracies, omissions or misleading or defamatory statements. LtF’s disclaimers of liability are set out in more detail on this page.
Information on this website
The information contained in this website may include opinions or views which, unless expressly stated otherwise, are not those of LtF or any associated company of LtF or any person LtF is vicariously liable or responsible for.
Information on this website may be changed or updated without notice. LtF may also make improvements and changes in services described in this information at any time without notice.
The content on this website is provided for general information purposes only and does not constitute advice. You should seek the advice of an appropriately qualified person in your home jurisdiction before taking, or refraining from, any action on the basis of the content on this website.
LtF believes the information on this website to be true and accurate as at the date of writing but can give no assurances or warranty regarding the accuracy, currency or applicability of any of the contents in relation to specific situations and particular circumstances.
LtF assumes no responsibility for information contained on this website and disclaims all liability in respect of such information to the fullest extent permitted by law. In addition, none of the content of this website will form any part of any contract between you and LtF or constitute an offer by LtF. Specific disclaimers may apply in addition to certain content or parts of this website and such disclaimers will be notified to you.
Accessing this website
This website is made available to you free of charge. LtF does not guarantee that this website, or any information or services on it, will always be available or be uninterrupted. LtF reserves the right to suspend, withdraw or discontinue all or any part of this website without notice. LtF will not be liable to you if for any reason this website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to this website. Please note telephone and other connection charges may apply to your use of this website. For details of charges you should contact your telephone company and internet provider.
The contents of this website (including all website design, text, graphics, the selection and arrangement thereof and all software compilations, underlying source code, software and all other material) are protected by copyright owned by LtF or its content and technology providers except insofar as individually stated on particular material or items.
You may view the site and download any part(s) of it to a personal computer (or other device which can access the internet) for personal viewing for private purposes only.
You are not permitted without our permission:
- To store it or any part of it other than for the purposes set out in this paragraph
- Print out copies except for your own viewing for private purposes or for the purposes of your business (other than re-publishing such material for commercial purposes)
- Reproduce, copy or transmit it (or any part of it) in any other way for any purpose or in any other medium. You are also not entitled to alter the content in any way.
For permission to reproduce any of the contents of this website in any other way than set out in the preceding paragraph please contact: email@example.com.
When using and accessing this website you may not cause damage, or deny or prohibit accessibility to this website in any way that is unlawful or illegal. Any instance of fraudulent or harmful behaviour is strictly prohibited. Using and accessing this website in order to copy, store, host, transmit, send, use, publish or distribute material that could be considered damaging to computer software is prohibited in all forms. You may not conduct or perform any systematic or automated data collections in relation to this website. Unsolicited transmission of commercial communications by you via this website is prohibited.
You are not permitted to use this website to transfer any personal data outside the European Economic Area without first ensuring that an adequate level of protection is in place for such data, as required by the current Data Protection Laws in force.
You are prohibited from posting or transmitting to or from the site any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material that would violate any law.
Uploading content to this website
This website is not a secure means of communication and we cannot guarantee the security of any information you supply to us using this website. For that reason, you should not submit or send to us via this website any information which you regard as confidential or commercially sensitive or valuable.
Any material, information or other communication you may transmit, post or upload to this website – other than your personal information or information provided when participating in psychometric questionnaires – will be considered non-confidential and non-proprietary, except when LtF states otherwise. Subject to such legal requirements as may be in force from time to time to protect the personal data of you and any third party, LtF and its designees will be free to copy, disclose, distribute, incorporate or otherwise use the communications in all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes. By transmitting, posting or uploading any such content you are deemed to grant LtF a non-exclusive, royalty free, perpetual and transferable license to do so.
Although we reserve the right to monitor, edit, review or remove discussions, chats, postings, transmissions, bulletin boards and similar communications that may exist on this website from time to time, we are under no obligation to do so and assume no responsibility or liability arising from any content posted on or uploaded to the site.
LtF has the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to this website is defamatory, constitutes a violation of their intellectual property rights, or of their right to privacy.
LtF shall not be responsible, or liable to any third party for the content or accuracy of any content posted or uploaded by you or any other user of this website.
LtF reserves the right to remove any material uploaded by you to this website if, in our opinion, the material uploaded to this website by you is inappropriate or has been the subject of complaint from any third party.
Third-party website links
Any links to third party websites are provided solely for the purpose of your convenience. Links made to other sites are made at your own risk and LtF accepts no liability for any linked sites.
When you access a third party website through a link on this website, even if the third party website contains the LtF logo, please understand that it is independent from LtF and LtF has no control over the content of any third party websites. Further, a link to a third party website does not mean that LtF endorses or accepts any responsibility for the content or the use of such third party websites.
LtF has not tested any content, software feature or links found on any third party sites linked to and does not give any representation regarding the quality, safety, suitability or reliability of any of them or any of the material contained in them. You must take your own precautions to ensure what is selected for use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature.
This website is not guaranteed to be free from computer viruses and it is strongly recommended that you check for such viruses before downloading any material from this website to your computer equipment.
You must not misuse this website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the server on which this website is stored or any server, computer or database connected to this website. You must not attack this website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. LtF will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this website will cease immediately.
The materials, information, content and services on this website are provided “as is” and LtF expressly disclaims any and all warranties, express or implied, to the extent permitted by law including but not limited to warranties of satisfactory quality, merchantability or fitness for a particular purpose.
To the fullest extent permitted by law, LtF exclude liability for any claims, losses, demands or damages of any kind whatsoever with respect to any information and / or services provided on our website including but not limited to direct, indirect, incidental or consequential loss or damages, compensatory damages or loss of profits or data whether based on a breach of contract or warranty, delict or tort (including negligence), product liability or otherwise.
LtF will not be liable for any loss or damage we cause which we could not reasonably anticipate when you started using the website, for example if you lose revenue, salary, profits or reputation as a result of your use of the website and/or the acts or omissions of any third party such as other users of the website or any other indirect or consequential loss or damage you may incur in relation to the website and its content.
If anything on this website is construed as being contrary to the laws applicable in any other country, then this website is not intended to be accessed by persons from that country and any persons who are subject to such laws shall not be entitled to use this website unless they can satisfy LtF that such use would be lawful.