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Terms & Conditions

1. Acceptance of Terms of Service

1.1 is provided free of charge to you by Create Your Own Economy Limited (“Create Your Own Economy”) under these terms of service (Terms of Service). These Terms of Service govern your use of (whether you are a member, a subscriber or a visitor) and govern all services provided to you by Create Your Own Economy in connection with, including but not limited to, access to message boards and use of any email accounts, and other features and services such as personal home pages, provided from time to time. The address and contact details for Create Your Own Economy can be found in our Privacy Policy

1.2 is intended for use by you in the United Kingdom only. We make no warranty or representation that (or any element of it) is appropriate or available for use in locations outside the US. Accessing from territories where your access to it is prohibited or where such service (or any part thereof) is considered illegal or unlawful is not permitted under these Terms of Service. If you choose to access from locations outside the US, you do so on your own initiative and you are responsible for compliance with all applicable local laws.

2. Registration

2.1 Although portions of may be viewed by anyone who visits you will need to register as a member in order to access some including the forums.

2.2 When you register with us you are stating that you are over 18 years of age or are a minor over 13 years of age with parental consent to use the service you are registering for. PLEASE NOTE that all minors are recommended to discuss these terms and conditions with their parents or legal guardian before they complete any registration process or provide us with any information about themselves. We do not allow persons who we know to be 13 years of age or younger to register with

2.3 You agree that any information you provide to us about yourself upon registration or at any other time will be true, accurate and complete and that you will ensure that this information is kept accurate and up to date at all times. Create Your Own Economy reserves the right to terminate your membership and access to any specific content if Create Your Own Economy learns that you have provided Create Your Own Economy with false or misleading registration information.

3. Your use of and all its public platforms and forums (the Create Your Own Economy sites)

3.1 Create Your Own Economy does not read every message posted on the message boards and as comments and, as such, we do not guarantee the accuracy, integrity or quality of such content. While we require all users of to comply with these Terms of Service (including the standards below), you understand that, by using the Create Your Own Economy sites, it is possible that you may be exposed to content that is offensive, indecent or objectionable. If you see a message which you believe breaks the following standards please report it to us immediately using the ‘Report this message’ link at the bottom of the post. All reports are reviewed as soon as possible during normal office hours.

The views expressed on our message boards and by third parties in comments on social media are not those of Create Your Own Economy.

3.2 You alone are responsible for the content of your messages and your use of the Create Your Own Economy sites and the consequences of any such messages. By using the Create Your Own Economy sites you are asked to be civil and respectful and agree to comply with the following guidelines:

(a) is The Create Your Own Economy sites are to be used by you for your personal use only and any use of the Create Your Own Economy sites for commercial purposes or to obtain financial gain is are strictly prohibited without Create Your Own Economy’s prior written consent.

(b) The Create Your Own Economy sites may not be used to send chain letters, junk mail, ‘spam’, solicitations (commercial or non-commercial) or bulk communications of any kind unless the recipient has given specific permission to be included in such a list. The may not be used to advertise a company, product or service or to recruit staff.

(c) You are not permitted to post links to alternative community groups unless it is with the express permission of Create Your Own Economy.

(d) You may not post to the Create Your Own Economy Sites or use the Create Your Own Economy Sites to publish, send or distribute any message or material (in any media or form) that is:

unlawful, harassing, defamatory, abusive, threatening, harmful, vulgar, obscene, profane, threatening, racially or sexually or otherwise discriminatory, offensive, inaccurate, is in breach of confidence or a third party’s intellectual property rights or which otherwise includes objectionable material of any kind or nature, that encourages or engages in conduct that could constitute a criminal offence, give rise to civil liability or otherwise violate any applicable local, national or international law or regulation or which has a disruptive influence on the normal flow of a message board.

(e) You (whether acting in your capacity as a journalist in any media or otherwise) may not post appeals for case histories on any of the Create Your Own Economy Sites message boards. Unauthorised appeals will be removed.

(f) You must not impersonate any other person or entity, whether actual or fictitious.

(g) You must not create any member names which mimic or impersonate an Create Your Own Economy member of staff, Community Moderator, Community Leader or other Create Your Own Economy member.

(h) You must not use or any part of in a way that might reasonably be expected to cause the same to be interrupted, damaged, rendered less efficient or which could in any way damage the operation of another’s computer.

(i) You will not harass or intimidate any member  employee either on a message board or via email communication.

(j) You must not post or use any part of to distribute or send any illegal material of any kind, including but not limited to, illegal material in the form of text, graphics, video, programs or audio. Posting content or participating in any form of discussion with the intention to commit any illegal activity is strictly prohibited.

3.3 Create Your Own Economy reserves the right in its absolute discretion at any time to edit, alter, delete or move any material whatsoever posted to, appearing on or distributed by or and you. Create Your Own Economy will not enter into any discussions about its decision to edit, alter, delete or move such material.

3.4 Create Your Own Economy may at any time, and without prior or post warning, close discussions on the Create Your Own Economy Sites message boards as it feels appropriate. No discussion will be entered into.

3.5 In the event of uploading photographs you agree:

(i) you are over the age of 13;

(ii) you have reviewed and agree to comply with these Terms of Service (unless you are aged 14-17 years old, in which case, your parent or guardian has reviewed and agrees to these Terms of Service on your behalf);

(iii) you have the rights necessary to authorise Create Your Own Economy and its designees to copy, distribute, adapt, display, perform and otherwise use the photograph,

and you hereby grant such authorisation;

(iv) the individual depicted in the photograph is over the age of 13, or you have obtained the consent of the individual’s parent or guardian, and such individual has consented to the photograph being made publicly available in connection with the website;

(v) the photograph has not been modified or altered in any manner so as to distort or misrepresent any individual or thing depicted in the photograph;

(vi) the photograph does not contain any personal information such as a name, phone number or email address; and photographs of groups or offensive materials may not be posted. Create Your Own Economy reserves the right in its sole discretion to remove or not post any photograph, for any reason. Also, you acknowledge that Create Your Own Economy requires that any submitted photograph should not contain potentially offensive materials. If you would like to have your photo removed. Materials submitted to will not be returned to the submitting party and Create Your Own Economy has no obligation to inform you of any decision to remove or not post such materials.

4. Intellectual Property

4.1, its contents and all Rights therein are owned by Create Your Own Economy (and/or its licensors). “Rights” means copyright, database rights, trade marks, design rights and other intellectual and proprietary rights of whatever nature, anywhere in the world. You acknowledge that (i) is protected by Rights; (ii) these Rights are valid and protected in all media and technologies existing now or later developed; and (iii) except as explicitly provided otherwise, these Terms of Service and applicable copyright, trademark and other laws govern your use of such Rights.

4.2 You may view, print, download or temporarily store extracts from for your personal, non-commercial reference without alteration, addition or deletion. You may not otherwise copy, reproduce, retransmit, distribute, publish, commercially exploit or otherwise transfer any material or content. You acknowledge that you will not acquire any Rights by downloading or otherwise using any content or materials.

4.3 By submitting content, which shall include your member name, to any “public area” of, including message boards, forums, contests and chat rooms, you grant Create Your Own Economy and its affiliates a royalty-free, perpetual, irrevocable, non-exclusive right and licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any Rights that may exist in such content. You also permit any member to access, display, view, store and reproduce such content for personal use.

4.4 By submitting content, you also warrant that you are entitled and have all necessary rights to grant the licences stated above. Subject to the foregoing, the owner of such content placed on retains any and all Rights that may exist in such content.

4.5. does not necessarily endorse, support, sanction, encourage, verify or agree with the comments, opinions or statements posted by users in Discussion Areas or elsewhere in the Service. Any information or material placed online by users, including advice and opinions, is the view and responsibility of those users and does not necessarily represent the view of

4.6 From time to time will run competitions, free prize draws and promotions on this website. These are subject to additional terms as outlined below:

4.6.1 Entrants must be at least 18 years of age;

4.6.2 The competition is open to UK and Eire residents only;

4.6.3 All qualifying entrants who answer the question correctly will be placed in a free prize draw;
4.6.4 Winners will be notified within 28 days of the draw taking place. There is no cash alternative to the prize;

4.6.5 The competition is not open to anyone associated with;

4.6.6 The judges’ decision is final and no correspondence will be entered into;

4.6.7 Details of winners will be available upon written request;

4.6.8 No responsibility can be accepted for entries which are not properly received due to communications beyond our control; and

4.6.9 By entering Create Your Own Economy competitions you consent to us sending you Create Your Own Economy Ltd emails with the latest competitions, offers, promotions, news, views, trends and must-haves. If you do not wish to receive such communications, you can unsubscribe at any time.

5. Disclaimer of Warranties

5.1 is provided on an “as is” and “as available” basis. Create Your Own Economy expressly disclaims all warranties or representations of any kind, express or implied, to the fullest extent permitted by law.

5.2 You understand and agree that Create Your Own Economy does not guarantee the accuracy or completeness of any information in or provided in connection with Create Your Own Economy is not responsible for any errors or omissions or for the results obtained from the use of such information. Whilst is provided for the general information of the general public, all information is provided on the basis that neither Create Your Own Economy, its employees or consultants or its members, while such members are participating in, are engaged in rendering legal, medical, counselling or other professional services or advice. Create Your Own Economy advises you to seek appropriate professional advice or care for any situation or problem which you may have.

5.3 Create Your Own Economy shall not be responsible for any loss or damage caused directly or indirectly, by the information or ideas contained, suggested or referenced on Your participation in is solely at your own risk. No advice or information, whether oral or written, obtained by you from Create Your Own Economy or through shall create any warranty not expressly made in these terms of service or imposed by law.

5.4 Create Your Own Economy makes no warranty that the will meet your requirements, or that the network will be uninterrupted, timely, secure, or error free; nor does Create Your Own Economy make any warranty as to the results that may be obtained from the use of

5.5 You understand and agree that any material and/or data downloaded or otherwise obtained through the use of is at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material and/or data.

6. Limitation of Liability

6.1 Except as required by law, Create Your Own Economy shall not be liable for any indirect, incidental, special or consequential losses or damages or loss of profits, data, goodwill, revenue in each case regardless of whether such losses or damages arise in the normal course of events or whether Create Your Own Economy has been advised of the possibility of such damages.

6.2 Create Your Own Economy will not be liable for any such losses or damages whether arising in contract, tort (including negligence) or otherwise arising out of or in connection with this website including without limitation the use or the inability to use, or messages received, or transactions entered into through, or resulting from unauthorised access to or alteration of your transmissions or data.

6.3 Nothing in these Terms of Service shall operate to exclude or restrict Create Your Own Economy’s liability for death or personal injury caused by negligence.

7. Emails and Personal Home Pages

Create Your Own Economy assumes no responsibility for the deletion of or failure to store e-mail messages or for any problems with its personal home page service. Whilst the security of your personal information is a priority to us, you should be aware that emails you send to us are not necessarily secure when they are transmitted to us. If your communication to us or any third party is sensitive or includes highly confidential information such as credit card number, you may want to provide it by post or via the telephone instead.