Terms and Conditions

Financial Learning Online

Financial Learning Online is here for you to access and share information about financial learning projects for adults in Scotland.

We want to hear about projects that have engaged adult learners, that have used interesting learning approaches and materials, and that have made a positive difference to the learners' lives.

If you have been involved in developing or running such a project please click on "submit case studies" and complete the electronic form. You will also be able to upload photographs and videos as well as materials you have used. Materials will be stored on our sister resource bank, Adult Literacies Online (www.aloscotland.com). The information will be submitted to us to moderate and we will decide whether it is appropriate for the site. We will come back to you if we need more information.

Terms and Conditions for submitting materials

• The site moderator will check all items and their decision is final.
• All contributors should ensure that they check with their employer regarding permissions for contributing the work and acknowledgements required.
• It is assumed that the contributor has obtained any necessary copyright permissions for the use of images, music etc. on materials they have submitted. This includes permissions from anyone appearing in photographs or videos.
• The contributor must accept responsibility if a breach of copyright occurs as a result of the use of these sources.
• Financial Learning Online accepts material on the basis that this is the first online publication of the material. If the materials have already been published online, please supply us with the URL where it is published and will will be happy to create a link to it.
• Financial Learning Online reserves the right to remove inappropriate materials following publication.

Copyright

Copyright remains with you as the author of any materials you submit, and users are required to cite the source when using your contributions.

The information and publications produced by the Scotland government on their own websites are subject to Crown Copyright. Material may be reproduced without formal permission or charge for personal or in-house use only. They should never be used for profit.

Guidance notes on publishing and copyright, including those from the Queen's Printer for Scotland, are available at http://www.hmso.gov.uk/guides.htm.

Liability

You are legally responsible for what you write. When submitting information to Financial Learning Online you are accepting these Terms and Conditions, and by doing that you undertake to indemnify the Scottish Government and its employees and subcontractors against any liability arising from any breach of confidentiality, copyright or other intellectual property right resulting from materials submitted by you for publication on the Financial Learning Online website. You further undertake to indemnify the Scottish Government against all damages, losses, claims and costs (including without limitation all expenses incurred in conducting or defending any proceedings) resulting from materials published by you on this website. You must not make statements that are libelous, obscene, seek to incite racial hatred or otherwise break the laws of the United Kingdom.

The Scottish Government seeks to make sure that the information published on FLO is up to date and accurate. However, the information on the website does not constitute legal or professional advice and the Scottish Government cannot accept any liability for actions arising from its use. Learning Connections cannot be held responsible for the contents of any pages referenced by an external link.

Any personal data collected through this website will be treated as confidential in line with the principles of the Data Protection Act 1998.

Collection and use of personal information

The Scottish Government is the sole owner of the information collected on http://www.money.aloscotland.com, which is a micro-site of www.aloscotland.com. The Scottish Government processes personal data for the purposes of aiding its work with the Scottish Ministers to improve the well-being of Scotland and its people.

Cookies and website traffic analysis

When users enter the Scottish Government's websites their computers will automatically be issued with 'cookies'. Cookies are text files which identify users' computers to the Scottish Government's server. The website then creates "session" cookies to store some of the preferences of users moving around the website, e.g. retaining a text-size preference. Cookies in themselves do not identify individual users but identify only the computer used and they are deleted on departure from the website.

Users can set their computers to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these means that certain personalized services cannot then be provided to that user.

Sharing

Legal Disclaimer

Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our website.

Third Party Intermediaries

We use an outside contractor to manage our user database. This company does not retain, share, store or use personally identifiable information for any secondary purposes.

Links

This website contains links to other sites. Please be aware that we, Learning Connections, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by this website.

Surveys

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user has a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and address), and demographic information (such as postal code). Contact information will not be shared with any third parties unless we give prior notice and choice. Though we may use an intermediary to conduct these surveys or contests, they may not use users' personally identifiable information for any secondary purposes.

Notification of changes

If we decide to change our privacy policy, we will post those changes to this privacy statement, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

If, however, we are going to use users' personally identifiable information in a manner different from that stated at the time of collection we will notify users via email or by posting a notice on our website for 30 days.