1.1. The Coughran Network (hereinafter the “Network”) includes www.coughran.co, www.arbiton.net, www.woodpeckerlearning.com, the Arbiton App and the Woodpecker Watch App. By using or browsing the Network you accept these Terms and Conditions in full. If you disagree with these Terms and Conditions or any part of these Terms and Conditions, you must not use this Network.
1.2. These Terms and Conditions apply to every person who uses our information, documents, software, and any other products and/or services that we provide, together referred to as “Services”. By using this Network, you signify your acceptance of these Terms and Conditions. For the purposes of these Terms and Conditions, “Us”, “Our” and “We” refers to Coughran Limited and “You” and “Your” refers to you, the client, visitor, website user or person using our Network.
1.3. In using our Network and/or Services, you warrant that you have had sufficient opportunity to access these Terms and Conditions, and that you have read, accepted and will comply with these Terms and Conditions. If you do not agree to these Terms and Conditions, do not use our Network and/or Services.
2. Amendment of terms
2.1. We reserve the right to change, modify, add or remove portions of these Terms and Conditions from time to time. Revised Terms and Conditions will apply to the use of this Network from the date of publication of the new Terms and Conditions on this Network. Please check these Terms and Conditions regularly prior to using our Network to ensure you are aware of any changes. If you choose to use our Network then we will regard that use as conclusive evidence of your agreement and acceptance of these Terms and Conditions.
3. Limitation of Liability
3.1. By using our Network you agree and accept that Coughran Limited is not legally responsible for any loss or damage you may incur in relation to your use of the Network, whether from errors or from omissions in our content or information, any goods or services we may offer, or from any other use of the Network or Services. This includes your use or reliance on any third party content, links, comments or advertisements. Your use of, or reliance on, any content or information on this Network is entirely at your own risk, for which we shall not be liable.
3.2. It is your own responsibility to ensure that any Services available through this Network meet your specific, personal requirements. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
3.3. The Coughran Network contains translations of words, phrases and articles. Coughran disclaims all warranties related to these translations, express or implied, including any warranties of accuracy, reliability, and any implied warranties of merchantability, fitness for a particular purpose and non-infringement.
4.1. The liability of Coughran Limited for any breach of a term of this agreement is limited to a refund of the unexpired portion of any subscription.
5. Use of the Coughran Network by you
5.1. You agree to only use the Coughran Network for purposes permitted by the Terms and Conditions. You are responsible for all equipment and software used to access the Coughran Network.
5.2. You must not:
6. User Accounts
6.1. In order to access some features of the Services, you will have to create a User Account. You may never use another user's account without permission. When creating your account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify Coughran Limited immediately of any breach of security or unauthorized use of your account.
6.2. Although Coughran Limited will not be liable for your losses caused by any unauthorized use of your account, you may be liable for the losses of Coughran Limited or others due to such unauthorized use.
6.3. Please note, children under 13 years are not permitted to set up a User Account.
7. Payments and Refunds Policy
7.1. Where a purchase option provides access to the Coughran Network (or any part of it), it is deemed to be a subscription and unless directed otherwise by the purchaser, at the time of purchase, that subscription will be automatically renewed at the expiry of the subscription period.
7.2. There are no refunds. All sales are final.
7.3. If any credit card payments are made on the Coughran Network, those payments are processed by an independent third party service provider. You consent to the disclosure of relevant information about you to that provider on a confidential basis. To the extent permitted by law, Coughran excludes all liability in relation to those payments and the services provided by that third party.
8. Links To Other Websites
8.1. Coughran Limited may from time to time provide, on its Network, links to other websites, advertisements and information about those websites. This does not necessarily imply sponsorship, endorsement, or approval or arrangement between Coughran Limited and the owners of those websites. Coughran Limited takes no responsibility for any of the content found on the linked websites.
8.2. Coughran Limited’s Network may contain information or advertisements provided by third parties for which Coughran Limited accepts no responsibility whatsoever for any information or advice provided to you directly by third parties. We are not providing any advice nor do we take any responsibility for any advice received in this regard.
10.1. To the fullest extent permitted by law, Coughran Limited absolutely disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for any particular purpose. Coughran Limited gives no warranty that our Network or its server is free of viruses or any other harmful components.
10.2. Whilst we, at all times endeavour to have the most accurate, reliable and up-to-date information on our Network, we do not warrant or make any representations regarding the use or the result of the use of any document, product, service, link or information on the Network or as to its correctness, suitability, accuracy, reliability, or otherwise.
10.3. It is your sole responsibility and not the responsibility of Coughran Limited to bear any entire costs of servicing, repairs, or correction. The applicable law in your state or territory may not permit these exclusions, particularly the exclusions of some implied warranties. Some of the above may not apply to you but you must ensure that you are aware of any risk you may be taking by using this Network or any products or services that may be offered through it.
11. Third Parties
11.1. Coughran Limited does not and will not sell or deal in personal customer information such as full names and email addresses. We may, however, use non-identifiable information without any reference to your name or your information to create marketing statistics, identify user demands and to assist in meeting customer needs generally. In addition, a third party may use the information that you provide to improve its website and services but not for any other use.
12. Disclose Your Information
12.1. Coughran Limited may be required, in certain circumstances, to disclose information in good faith and may do so in the following circumstances: by law or by any court; to enforce the terms of any of our customer agreements; or to protect the rights, property or safety of our customers or third parties.
13. Restricting Access
13.1. Coughran Limited reserves the right to exclude and deny any person access to our Network and our Services, at any time in our sole discretion.
14. Intellectual property
14.1. This Network contains material that is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, trademarks and graphics. You are not permitted to reproduce the documents, information or materials on the Network for the purposes of sale or the use by any third party. In particular you are not permitted to republish, upload, transmit electronically or otherwise or distribute any of the materials, documents or products that may be available for download from time to time on this Network.
14.2. Coughran Limited expressly reserves all copyright and trademark in all documents, information and materials on our Network and we reserve the right to take action against you if you breach any of these terms.
14.3. Any reproduction or redistribution of part or all of the contents in any form is prohibited.
14.4. You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.
14.5. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google Inc.
15.1. By submitting ideas, suggestions, documents and/or proposals ("Feedback") to Coughran by email or through its suggestion, feedback, wiki, forum or similar web pages, you acknowledge and agree that:
16. Modifications to Services
16.1. Coughran may at any time and from time to time modify or discontinue, temporarily or permanently, its Services, or any portion thereof, with or without notice. You agree that Coughran shall not be liable to you or any third party for any modification, suspension or discontinuance of its Services.
17.1. If any provision of these Terms and Conditions is held to be illegal, void, or unenforceable in any state or territory then such a clause shall not apply in that state or territory and shall be deemed never to have been included in these Terms and Conditions in that state or territory. Such a clause if legal and enforceable in any other state or territory shall continue to be fully enforceable and part of this agreement in those other states and territories. The deemed exclusion of any term pursuant to this paragraph shall not affect or modify the full enforceability and construction of the remaining provisions of these Terms and Conditions. The failure of Coughran to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision.
18.1. These Terms of Service, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Coughran Limited without restriction.
19. Entire Agreement
19.1. These Terms and Conditions make up the entire agreement between you and Coughran Limited and supersede any prior agreement, understanding or arrangement between you and Coughran Limited whether oral or in writing. No other term is to be included in this agreement except where it is required to be included by any legislation of any state or territory. All implied terms except those implied by statute and which cannot be expressly excluded are hereby expressly excluded.
20.1. These Terms and Conditions and this Network are subject to the laws of the Hong Kong Special Administrative Region of the People’s Republic of China (“HKSAR”), without regard to the conflicts of law provisions of the HKSAR or of any other jurisdiction. Any claim or dispute between you and Coughran Limited that arises in whole or in part from the Services shall be decided exclusively by a court of competent jurisdiction located in the HKSAR.
21. Statute of Limitations
21.1. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of Coughran services or the Terms must be filed within one year after such claim or cause of action arose or be forever barred.
1. We respect your privacy
1.1. Coughran Limited respects your right to privacy and is committed to safeguarding the privacy of its customers, website visitors and app users. This policy sets out how we collect and treat your personal information.
1.2. "Personal information" is information we hold which is identifiable as being about you.
2. Collection of personal information
2.1. Coughran Limited will, from time to time, receive and store personal information that you enter into our apps or websites, provide to us directly or give to us in other forms.
2.2. You may provide basic information such as your name, age, gender, language preferences, phone number, address and email address to enable us to send information, provide updates and process your product or service order. We may collect additional information at other times, including but not limited to, when you provide feedback, when you provide information about your personal or business affairs, change your content or email preference, respond to surveys and/or promotions, provide financial or credit card information, or communicate with our customer support.
2.3. Additionally, we may also collect any other information you provide while interacting with us.
3. How we collect your personal information
4. Use of your personal information
4.1. Coughran Limited may use personal information collected from you to provide you with information, updates and our services. We may also make you aware of new and additional products, services and opportunities available to you. We may use your personal information to improve our products and services and better understand your needs.
4.2. The apps may make third party social media features available to their users. We cannot ensure the security of any information you choose to make public in a social media feature. Also, we cannot ensure that parties who have access to such publicly available information will respect your privacy.
4.3. Coughran Limited may contact you by a variety of measures including, but not limited to telephone, email, sms or mail.
5. Disclosure of your personal information
5.1. We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this Policy. Personal information is only supplied to a third party when it is required for the delivery of our services.
5.2. We may from time to time need to disclose personal information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request.
5.3. We may also use your personal information to protect the copyright, trademarks, legal rights, property or safety of Coughran Limited, its App, website and customers or third parties.
5.4. Information that we collect may from time to time be stored, processed in or transferred between parties located in a number of countries. These may include, but are not limited to New Zealand, USA, Hong Kong, Singapore, Australia and Taiwan.
5.5. If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. We would seek to only disclose information in good faith and where required by any of the above circumstances.
6. Security of your personal information
6.1. Coughran Limited is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
7. Access to your personal information
7.1. You may request details of personal information that we hold about you. A small administrative fee may be payable for the provision of information. If you would like a copy of the information which we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please email us at firstname.lastname@example.org
7.2. We reserve the right to refuse to provide you with information that we hold about you, when we are required or authorised to refuse to provide you with access to that record under the applicable provisions of any law in any jurisdiction where that data is held.
8. Software Application
8.1. When you use our App - When you use our apps, we may collect certain information such as mobile unique device ID, the IP address of your mobile device, mobile operating system, the type of mobile internet browsers you use, and information about the way you use the apps. This information is used in an aggregated manner to analyse how people use our app, so that we can improve our service.
8.3. Automatic collection - Our apps may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device’s unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile internet browsers you use, and information about the way you use the App.
8.4. Third parties - Our apps may, from time to time, have links to other apps or websites not owned or controlled by us. These links are meant for your convenience only. Links to third party apps and websites do not constitute sponsorship or endorsement or approval of these third parties. Please be aware that Coughran Limited is not responsible for the privacy practises of other such applications or websites. We encourage our users to be aware, when they leave our app or website, to read the privacy statements of each and every application or website that collects personal identifiable information.
8.5. Geo-location - When you visit the App, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located within to improve the user experience. We will not share your current location with other users or partners.
8.6. Right to be forgotten - When you delete your account we will permanently delete from our records your name and email address.
9. Complaints about privacy
9.1. If you have any complaints about our privacy practices, please feel free to send in details of your complaints to email@example.com. We take complaints very seriously and will respond shortly after receiving notice of your complaint.
10. Opt-out right
10.1. You can stop all collection of information by our apps by uninstalling them. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network.