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Terms and Conditions

We strongly recommend that you
read these Terms and Conditions in their entirety as it sets out the terms of a
legally binding agreement between you and SafeExpat Company.

1. Introduction

These
terms & conditions set out how you may use SafeExpat.com, to refer to our
website at and our mobile and online digital apps and services. Except where we
state otherwise, references in these terms refer to the safeexpat.com. Our
Terms & Conditions are only made available in the English language.

2. Personal Subscription
Services

The following relates to a
personal subscription to SafeExpat.  A personal license includes those
subscriptions whereby a corporation assigns a specific user to each related
subscription. 

These terms apply to your use
of SafeExpat.com and all SafeExpat Content irrespective of the delivery
platform or device you use to access it. By accessing SafeExpat you are
agreeing to these terms and conditions. If you do not agree with the terms and
conditions you should not use SafeExpat.com or any SafeExpat Content and should
cancel any subscription in accordance with your cancellation rights, should
they apply. If you have any questions please contact info@safeexpat.com 

Payment details: when you purchase a subscription, you undertake provide us with complete
and accurate payment information. By submitting payment details, you undertake
that you are entitled to purchase a subscription using those payment details.
If we do not receive payment authorization or any authorization is subsequently
cancelled, we may immediately terminate or suspend your access to your
subscription.  If you are entitled to a refund under these terms and
conditions we will credit that refund to the card or other payment method you
used to submit payment, unless it has expired in which case we will contact
you. It is your responsibility to update and maintain changes to that
information that impact the delivery to your subscription and payment of your
subscription.

Pricing: the subscription price will be detailed clearly during the sign-up
process. You agree to pay the fees at the rates notified to you at the time you
purchase your subscription. For certain subscriptions you have the option of
either an annual or monthly (or other frequency we offer) subscription. You can
also take out any other fixed term or payment frequency that we may offer from
time to time. Your subscription is payable in Euro (€). Eligibility for any
discounts is ascertained at the time you subscribe and cannot be changed during
the term of your subscription.

Activation: SafeExpat will try to process your subscription promptly but does not
guarantee that your subscription will be activated by any specified time. By
submitting your payment and other subscription details, you are making an offer
to us to buy a subscription. Your offer will only be accepted by us and a
contract formed when we have successfully verified your payment details and
email address, at which point we will provide you with access to your
subscription. SafeExpat reserves the right to reject any offer in its
discretion, for any or no reason.

Pricing errors: if we incorrectly state a price to you whether online or otherwise, we are
not obliged to provide you with a subscription at that price, even if we have
mistakenly accepted your offer to buy a subscription at that price, and we
reserve the right to subsequently notify you of any pricing error. If we do
this, you may cancel the subscription without any obligation to us and we will
refund you any money you have paid us in full, or you may pay the correct
price. If you refuse to exercise either of these choices then we may cancel
your subscription and will refund you any money you have paid us in full. We
will always act in good faith in determining whether a genuine pricing error
has occurred.

Other costs: in addition to the subscription fee you are charged, certain banks and
credit card issuers will charge a foreign transaction fee on transactions which
take place abroad or in a foreign currency. Please check with your bank or
credit card issuer to find out if such charges will be applied to you;
SafeExpat is not responsible for any such charges. You are also responsible for
paying any internet connection or telecommunications charges that you may incur
by accessing SafeExpat.com or using the services available on it.

Trial subscriptions:  Please note that no more than one trial subscription per subscriber,
email address and/or IP address is allowed in any twelve month (12) period. We
reserve the right to cancel any trial subscription at our discretion
immediately, without notice.

SafeExpat reserves the right
to vary the amount of content and types of service that it makes available to
different categories of user.

3. Renewal and Cancellation of
Personal Subscriptions

Renewals:

If you chose to pay monthly, your subscription will continue until you tell us that you no longer wish
to receive it or if your payment method expires  in which case you will
stop paying the monthly fees. We will notify you at least 14 days in advance of
any changes to the price in your subscription that will apply upon next monthly
renewal. Please see the “How to cancel” section below for details of how to
cancel your monthly subscription.

If you chose to pay annually, at least 7 days before each renewal you will be sent a reminder notice
stating the rate that will apply for the renewal period. Your subscription will
terminate unless you notify us before the end of your annual subscription
period that you wish to renew it, If you are on pre-authorized payment, your
annual subscription will renew for another year. We will charge the
subscription using the same card or other payment method that you previously
used.

Cancellation of your
subscription:
By placing your order you agree that we may
start your subscription immediately upon our accepting your order. This means
that you are not entitled to a refund if you change your mind after we have provided
you with access to your subscription. Unless as set out in this section, you do
not have any right to cancel your subscription or any part of it until the end
of your then current subscription period. Although you may notify us of your
intention to cancel at any time, such notice will only take effect at the end
of your then current subscription period, and you will not receive a refund
(except in the limited circumstances set out in these terms).

How to cancel: You may notify us of your wish to cancel your subscription by contacting
us at cancellations@safeexpat.com  

Cancellations by us: SafeExpat reserves the right to suspend or terminate your subscription if
you breach these terms and conditions, with or without notice and without
further obligation to you. We may also suspend or terminate your subscription
if we are prevented from providing services to you by circumstances beyond our
control. If we terminate your subscription for any reason and/or permanently
cease publishing the SafeExpat Content or cease to provide subscription
services then, unless there are exceptional circumstances, we will attempt give
you at least 90 days’ notice of this, if possible. If we do so, then we will have
no further obligation to you, unless you are a personal subscriber in which
case we will attempt to offer you a refund of the unexpired period of your paid
subscription.

Cancellation of your Free
Trial registration:
If you have subscribed for a
Free Trial, but are not a paid subscriber, then SafeExpat  reserves the
right to suspend or terminate your registration at any time, with or without
notice and without further obligation to you. You can also choose to delete
your account and data by sending an email to help@safeexpat.com at any point during your free
trial period.

4. Subscriber Conduct

The following guidelines
outline the use Personal Subscription Services as set out in Section 2 above.
You may only make use of the SafeExpat Content other than as set out below,
unless you buy the appropriate Site Licence.

  • Subscribers may not share
    their user name and password with anyone else. Sharing a password means a
    copy of our content may subsequently be made by someone who is not
    authorised to do so. Password sharing is a breach of our terms and
    conditions and is likely to result in an infringement of copyright.

    • You may not undertake
      any activities for the benefit of others with the aim of avoiding our use
      of password to control access to and use of SafeExpat and SafeExpat
      Content. We do not allow multiple users on a network or within an
      organization to use the same password. SafeExpat may cancel or suspend
      your access to the SafeExpat Content if you share your password without
      further obligation to you.
    • You are responsible for
      all use of SafeExpat.com and SafeExpat Content made by you or anyone
      else using your password and for preventing unauthorised use of your
      password. If you believe there has been any breach of security such as
      the disclosure, theft or unauthorised use of your password or any payment
      information, you must notify SafeExpat immediately by e-mailing us at help@safeexpat.com.com
    • You understand that before
      accessing SafeExpat.com and the SafeExpat Content, it is your
      responsibility to take protective measures to guard against computer
      viruses and other destructive elements, such as through the use of
      industry standard and updated virus scanning tools, and to ensure that
      you have a complete, current and secure back-up of information and
      software on your computer or other devices that you may use to access
      SafeExpat and the SafeExpat Content.

5. Copyright

Our copyright policy explains
out how our visitors and subscribers are permitted to use the content on
SafeExpat. Copyright law gives the copyright owner the exclusive right to
control the use of copyright protected works. All of the material published on
our website and other digital/wireless platforms is protected by copyright law
and can only be used as set out below. Use that is made without our
permission may therefore infringe our copyright which can result in personal
and corporate liability

Our Copyright Policy permits
you to do following:

  • View our content for your
    personal use on any device that is compatible with SafeExpat.com
  •  Print single copies
    of articles on paper for your personal use

Our Copyright Policy DOES
NOT
permit you to do following:

  • Copy, publish or
    redistribute full text articles, photographs, graphics, tables or images
    in any way, for example by pasting them into emails or republishing them
    in any media, including websites, newsletters or corporate intranets or
    third-party messaging services, except as permitted.
  • Create derivative works
    from our content, unless you are creating summaries as described above.
  • Photocopy or scan copies
    of articles.
  • Use spidering technology
    or other datamining technologies to search and link to com.
  • Create a database in
    electronic or structured manual from by systematically and/or regularly
    downloading, caching, printing and storing all or any SafeExpat content
    (by spidering or otherwise).
  • Frame, harvest, cache or
    scrape SafeExpat Content or otherwise access SafeExpat content for similar
    purposes.
  • Use or attempt to use
    SafeExpat Content outside the parameters we set depending on what
    subscription you have.
  • You may not copy
    SafeExpat Content from SafeExpat or any third party source of SafeExpat
    content that may or may not have received our permission for republication

We permit limited republishing
and redistribution of SafeExpat content as set out below provided on the basis
that this does not create a Substitute for SafeExpat’s own products or
services. We define a Substitute as a product or service that reduces the need
for users or other third parties to pay for SafeExpat content directly, or
which creates revenue from the SafeExpat’s content to the detriment of
SafeExpats own ability to generate revenues from that content.

As long as you do not create a
Substitute, you may do the following:

  • Publish online, the
    original SafeExpat headline and a link to the article and the first 40
    characters (an “article indication”) of an article ;
  • Forward the original
    headlines, links and article text to other individuals;
  • Download our RSS feeds
    and view them for your personal use.

You may republish or
redistribute a ”Summary” of SafeExpat articles if you comply with the
conditions set out below. A “Summary” can be either an “extract” or an
“abstract”. By “extract” we mean 30 words copied verbatim from an SafeExpat
article which are inserted into a longer original work. By “abstract” we mean a
30 word non-verbatim summary of the news or facts reported in an SafeExpat
article which does not form part of a longer work and does not misrepresent the
original SafeExpat article.

These are the conditions you
must comply with in order to produce a summary:

  • you source SafeExpat as
    the author of any article from which you have derived a summary by way of
    an attribution such as “[journalist name] at the SafeExpat reported that”,
    with a hypertext link from the word “SafeExpat” to the original story
    published on SafeExpat.com;
  • in the case of abstracts,
    you make clear that the abstract has been produced by you by stating “this
    abstract from the SafeExpat was produced by [name]”, with a hypertext link
    from the word “SafeExpat” to the original story published on
    SafeExpat.com;
  • you ensure that your
    summary(ies) do not in whole or in part form a Substitute for SafeExpats
    own products and services. No individual or organisation may create,
    republish or redistribute more than two (2) summaries in aggregate each
    day;

If SafeExpat notifies you that
it believes you are creating, republishing or redistributing summaries outside
of these parameters, you shall immediately cease doing so and your rights to
create summaries shall be regarded as having been withdrawn, unless/until
SafeExpat reaches an agreement with you regarding your use of SafeExpat
articles.

Please note that these
guidelines are in place to avoid abuse of the use of content that SafeExpat
prepares on behalf of its legitimate subscribers and users.  We are
pleased, on a case by case basis, to provide flexibility to legitimate
organizations who wish to incorporate the information SafeExpat provides in
their activities.  Please contact us directly to discuss.

6. Third Party Sites, Content
and Services

SafeExpat may contain links to
other Internet websites or online and mobile services provided by independent
third parties, including websites of our advertisers and sponsors (“Third Party
Sites”), that may appear on SafeExpat, either directly or through frames. Third
Party Sites may be co-branded with SafeExpat and so include SafeExpat
identification. By Third Party Products we mean products or services provided
by third parties.

Advertisers and sponsors are
responsible for ensuring that material submitted for inclusion on SafeExpat
complies with international and national law. SafeExpat is not responsible for
any error or inaccuracy in advertising or sponsorship material.

It is your decision whether
you purchase or use any Third Party Products and Services made available on or
via Third Party Sites. In no circumstances do we accept responsibility for your
use of Third Party Sites or in respect of any Third Party Products and
Services.

Any SafeExpat Content
(including any information we publish regarding Third Party Products) is only
for your general information and entertainment purposes and is not intended to
address your particular requirements. Any agreements, transactions or other
arrangements made between you and any third party named on (or linked to from)
SafeExpat are at your own responsibility and entered into at your own risk.

7. Disclosure:

SafeExpat and the SafeExpat
Content are provided on an “as is” and “as available” basis. This means that
SafeExpat does not make any promises or warranties in respect of SafeExpat,
SafeExpat Content or the services and functions available on or through
SafeExpat or of the quality, completeness or accuracy of the information
published on or linked to from SafeExpat other than as expressly stated above.

The above disclaimers apply
equally to your use of SafeExpat and all SafeExpat Content. Without limiting
the above, SafeExpat is not liable for matters beyond its reasonable control.
SafeExpat does not control third party communications networks (including your
internet service provider), the internet, acts of god or the acts of third
parties.

8. Limitation of Liability

You expressly understand and
agree that in no event will SafeExpat be responsible or liable to you or anyone
else (jointly or severally) for any claim, loss or damage whatsoever, including
without limitation any direct, indirect, incidental, exemplary, special,
punitive or consequential damages or any damages for loss of profits, savings,
revenue, goodwill, business interruption, loss of information or data or other
intangible losses, arising from, or in any way connected with the SafeExpat or
SafeExpat Content, including the performance, use of, access to, or the
inability to use and access the same, regardless of whether SafeExpat had been
advised of or could have foreseen the possibility of such claim, loss or
damage.

Without limiting the
generality of the foregoing, SafeExpat will under no circumstances be held
liable or responsible for any delay or failure in the performance of the
SafeExpat.com and SafeExpat Content resulting directly or indirectly from acts
of nature, or causes beyond its reasonable control, including without limitation,
internet failures, computer equipment failures, telecommunication failures,
other equipment failures, electrical power failures, satellite failures,
strikes, labour disputes, riots, insurrections, civil disturbances, shortages
of labour or materials, fires, floods, storms, explosions, acts of God, war,
governmental actions and orders of domestic or foreign courts or tribunals.

SafeExpat and SafeExpat
Content may at any time be temporarily unavailable, inaccessible or inoperable
for any reason from time to time, including periodic maintenance, repairs and
disruptions as described above which SafeExpat will make every reasonable
effort to minimize such downtimes.  SafeExpat cannot guarantee 100%
availability of the SafeExpat and SafeExpat Content, if you are dissatisfied
with the SafeExpat and SafeExpat Content for any reason, your sole remedy is to
cancel your subscription. in accordance with these Terms and Conditions.

9. Choice of Law and
Jurisdiction

These Terms and Conditions
will be interpreted in accordance with the laws of the Italy. You agree that in
the event of a dispute arising out of these Terms and Conditions, jurisdiction
to settle any dispute which may arise out of, under, or in connection with
these terms and conditions, the laws of the Italy will apply. Any cause of
action that you may have must be commenced within one (1) year after the claim
or cause of action arises, except where prohibited by applicable law.

10. Privacy Policy:

We will safeguard your
personal data and not disclose unless compelled by law. Please review our
Privacy Policy. Our Privacy Policy does not apply to Third Party Sites

11. General

You may not license or
transfer any of your rights under these terms and conditions. We may transfer
any of our rights or obligations under these terms and conditions to any
company but if we do so we will ensure that any company to whom we transfer our
rights or obligations will continue to honour your rights under them.

If any provision of these
terms and conditions is found to be invalid by any court having competent
jurisdiction, the invalidity of that provision will not affect the validity of
the remaining provisions of these terms and conditions, which will remain in
full force and effect.

Failure by either party to
exercise any right or remedy under these terms and conditions does not
constitute a waiver of that right or remedy. Headings in these terms and
conditions are for convenience only and will have no legal meaning or effect.

These terms and conditions
constitute the entire agreement between you and the SafeExpat relating to your
use of the SafeExpat.com website, SafeExpat Content and other online services.
These terms and conditions supersede all previous communications,
representations and arrangements, either written or oral.

12. Content ownership

All SafeExpat Content belongs
to SafeExpat or its licensors who own all intellectual property rights
(including copyright and database rights) in the SafeExpat Content and any
selection or arrangement of the SafeExpat Content. No intellectual property
rights in any SafeExpat Content are transferred to you.

14. Changes to Terms and
Conditions

These terms and conditions
were published on October 30, 2019 and replace with immediate effect the terms
and conditions previously published.

-------------------------------

Privacy Policy

This is the main privacy
policy for SafeExpat.com and any other content/services available on SafeExpat.com.  There may
be other policies that apply to certain services that we provide, or we may
link to third parties who may have their own policies. Please read these when
you register or subscribe for these services or visit a third party website or
application.

We use the term
 “SafeExpat” to refer to our website at SafeExpat.com and our mobile and
online digital apps and services. Except where we state otherwise, references
in to “SafeExpat” (or “we”, “us” or “our”) refer to the SafeExpat, which
operates SafeExpat.com.

This privacy policy may be
amended from time to time.  If there is any material change, subscribers
will be notified by email in a reasonable period of time. Please read this
privacy policy carefully and check back periodically for updates.  Our
Privacy Policy is only made available in the English language.

SafeExpat collects personal
information also via third party providers such as analytics tools (Google
Analytics and Matomo Analytics), email marketing services (Campaign Monitor),
marketing/advertising tools (Hubspot, Adsense and SumoMe), E-Commerce tools
(Shopify and EventBrite) and push notification services (Push Engage). These
tools provide us with insight and data to improve the user experience in our
website, enhance our editorial and commercial work and to allow SafeExpat to
know the location of its visitors and subscribers in order to provide its
content in a timely and effective manner.

Personal information we might
collect from you and why.

  • Account information such
    as name,company/organization, address, postal code, email address and phone
    number. This information is used to fulfill your request for information,
    products and services, provide relevant advertising, and respond to your
    enquiries.
  • Subscriber id and
    passwords so that you may access our services and your account information
    .
  • Collect credit card or
    banking information if required to complete a sale.
  • If you choose to provide
    it to us, supplementary information such as gender, month and year of
    birth, income range, the industry sector you work in, your current
    position, and customer satisfaction information.

We assume you have given us
implied consent for some uses:

  • By purchasing any of our
    products or using any of our services, we assume you consent to receive
    the products, services and information relevant to them including service
    notifications, newsletters, personalized content and services, relevant
    advertising, and other communications regarding our products and services.

Uses you can explicitly
consent to:

  • You may opt-in to receive
    additional services such as our email newsletters or marketing
    communications from our advertisers based on your areas of interest. Your email address is not
    shared with our advertisers.

What you can do if you wish to
withdraw your consent or change your personal information:

  • If at any time you would
    like to unsubscribe from our newsletters, marketing and/or service email
    communications, you may do so by clicking the unsubscribe link provided in
    the footer of all non-essential communication from NGW.
  • You may also email help@safeexpat.com to provide an alternate method of contacting you
    should you wish to unsubscribe from certain email services we consider
    essential to your service such as billing notices, delivery notices, or
    password reset requests.
  • You can also limit the
    collection of your information by disabling cookies in your browser.
  • You may update your
    account information by logging in to SafeExpat.com clicking  “Your
    Account.” Then go to “Profile “and and follow the “Edit “link.

What is not covered by this
policy:

  • Information that is not
    personally identifiable
    such as type of browser
    or operating system you are using, your network, our web pages you have
    visited, other web pages you have visited before and after visiting ours,
    type of device, general location information and other similar types of
    anonymous or de-identified information may be collected and used by us and
    third parties including advertisers.
  • Aggregate data that cannot be associated with a specific
    person, such as the number of visitors and average time spent on a
    website.
  • Personal Information for
    Editorial Purposes
    — Information collected
    for editorial purposes, whether or not it is considered “personal”, is
    exempt from the requirements of Italian law and is not covered by this policy.
    Business contact information including the name, title, business
    address and telephone number of an employee of an organization, publicly
    available information
    such as an individual’s name and address when
    listed in or made available through a directory, or any other
    information
    or circumstance that falls outside the scope of or is
    exempted by applicable privacy legislation.

The following sets out some
additional detail about our business practices as it pertains to your personal
information.

We may collect personal
information using the following means:

  1. When you become a
    subscriber;
  2. When you register for any
    of our newsletter or other services:
  3. By using cookies and
    similar technologies when you visit our site; and
  4. By conducting surveys  

(a) Cookies and Similar Technologies

Like most websites,
SafeExpat.com relies on cookies and other commonly used technologies such as
JavaScript, Adobe Flash, web beacons and pixels to provide website
functionality and to deliver the best experience for our users.

Cookies are small text files
containing a unique identifier that are placed in your browser in order to
store information about your web browsing and usage of a the SafeExpat.com
website (“Cookie Data”). Cookies are used by SafeExpat to collect and store usage
information such as:

  • Anonymized user IDs for
    logged in Registered Users and Subscribers
  • Device IP Address (which
    does not reveal your identity)
  • Usage Data such as the
    number of page views, frequency of visits, time spent on a particular page
    and other similar statistics pertaining to your use of our website and
    services.

We use these technologies to
collect information about the usage of our site and may offer users advertising
and services that is relevant to them based on how they use the site. By using
SafeExpat.com, you give us and trusted third parties on our website consent to
collect Usage Information using cookies and similar technologies and to use it
for the purposes specified above.

If you wish to disable or
modify your cookie preferences, please consult your browser’s support
documentation.

(b) Subscription Information

If you choose to subscribe to
a product or service provided by SafeExpat, then we will ask you to provide
information to complete the sale including name, email, address, company,
telephone number and billing information. We will use your subscription
information for internal purposes such as making improvements to our website
and analytics, to communicate with you about your subscription and to offer
products and services that may be of interest to you.

(c) Mobile Browsing

When you access SafeExpat on
your mobile device, such as a smartphone or a tablet computer, using a web
browser, we collect similar usage information as we do on other devices. Note
that some devices can transmit location data. If you choose to share location
data with us, you will be able to turn off such data collection at any time by
accessing the privacy settings of your device.

(d) Contests, Promotions,
Surveys and Marketing Communications

If you choose to fill out a
survey or to sign up for a newsletter or similar marketing communication we
will ask you to provide us with contact and identifying information necessary
for us to fulfill your request. This information may include email,
company/organization, name, phone number, and any other information as the case
may require. SafeExpat will disclose to you if our co-sponsors will have access
to the information you provide to us. However, if information is collected by a
third party only, the collection, use and disclosure will be subject to notice
and privacy policy of that third party. Should you wish additional information
on third party access please contact us at help@safeexpat.com

(e) Social Media

The SafeExpat website
integrates a number of third party social media platforms to make your
experience on our website more convenient. Any information provided to us by
the social media platform is subject to the privacy policy of that particular
service.

2. How Information may be Used

SafeExpat uses the information
we collect for the following purposes:

Fulfill your Request:

To fulfill your request for
services. For example, if you want to purchase a subscription to SafeExpat.com,
we will ask you for information including your name and email.

User Authentication:

To help us make your
experience on our website more convenient. For example, we rely on cookie data
to detect when a registered user or a subscriber who has previously signed in
visits the site again. It is also used to recall user preferences and
information on subsequent visits.

Internal Analytics:

To understand how users
interact with our website, to improve the operation and performance of
SafeExpat’s  products and services, to develop new products and services,
to detect fraud, and to improve security.

Communicate Offers and
Promotions:

To communicate with you about
offers and promotions. You can withdraw your consent to specific types of email
communications by clicking on the “Unsubscribe” link provided at the bottom of
the email message. Note that you will continue to receive communications that
directly pertain to your services.

Enforce Terms and Conditions:

We reserve the right to
contact you if we have reason to believe that you have violated our Terms and
Conditions.

3. Security and Disclosure

SafeExpat has put in place
reasonable physical, electronic, contractual and managerial measures to protect
the information we collect from loss, theft, and unauthorized access,
disclosure, copying, use, or modification.

Information stored abroad:

In some cases, SafeExpat may
disclose personal information to service providers to perform activities
outside of Italy on our behalf. Your personal information may also be
transferred outside of Italy for storage and processing. As a result, secure
storage, use and access to your personal information may be subject to the laws
of those countries.

Other disclosures:

We  may disclose your
personal information to our affiliates for administrative purposes. We may
disclose your personal information to third parties if you have violated our
terms of service or conditions of purchase, or if we need to comply with
applicable laws and lawful governmental requests, other legal and regulatory
authorities or for other legal reasons. We  may disclose your personal
information on a confidential basis to parties connected with any contemplated
or actual financing, insuring, sale, assignment or other disposal of all or
part of our business or assets.

Contacting us regarding your
privacy:

Should you have  any
questions or concerns about your privacy or this privacy policy, please contact
us at help@safeexpat.com

This privacy policy was
published October 01, 2019