In order to ensure transparency and create an honest and trusting relationship between myself and you. Below are the details of the current Privacy Policy, Cookies Policy, Terms of Service and Disclosures for the website Individual Obligation and it services.

For ease and readability, Individual Obligation and its services in the below policies and disclosures will be referred to as ‘we’, ‘us’ and ‘our’.

Changes To Our Policies & Disclosures

These policies and disclosures are subject to change. We will notify you of any changes to our policies and disclosures by posting the modified version on this page.

By then continuing to use our website and services, you will be bound by these modified policies and disclosures. You are encouraged to check the policies and disclosures whenever you access our website or services.

These policies and disclosures were last modified on the 27th of March 2020

Privacy Policy

What information is collected about me when I visit?

This blog collects information about your visit, such as name, email address, demographic data and any other information you submit to us. As well as analytics information such as browsing behaviour and IP.

How is my information collected?

Information may be collected through the use of:-

  • Cookies
  • Facebook Pixel
  • Pinterest Tag
  • Comments or form submissions when submitting a contact form
  • Newsletter sign up
  • Interacting with any content on our website or services

How is my information used?

We only collect information about your visit to our website and services for the purpose of analyzing content performance and providing personalized ads and services.

We do not sell or trade your personal information. We may share your personalized information only with third-parties that are explicitly mentioned in these policies. For the purposes of analyzing content and providing personalized ads and services.

If you provide an email or any other details through our comments system these will only be used to respond to your comment.

If you sign up for receiving emails from us, we promise not to spam you and only provide emails that contain honest and transparent information. We use ConvertKit for our email list management and as such your email and subscription preferences are stored on their servers. See their Privacy Policy for more details.

This blog currently uses affiliate and ads marketing. Any individual posts that include these will be clearly identified at the top. These may collect information about your visit to personalize advertisements that may be of interest to you. See our Disclosures for more information.

Will my information be shared?

We believe your information deserves to be treated with care and integrity. We want you to have a pleasant experience browsing our blog and the peace of mind that your information is safe with us. We promise you that your information will not be sold, rented or leased to third parties. We may share collected information with select third parties for analytics, security and to provide services.

Such as:-

  • Google Analytics to analyze our content performance
  • Cloudflare for security to keep the website secure for you and others
  • MailterLite to provide email subscription services

For a full list see our Third Party Cookies & Services section.

There may be some rare circumstances where we may be compelled by law to release certain information to authorities for legal reasons, the safety of viewers or to prevent harm to others.

Can I stop my information from being collected?

Most information is collected through cookies. You will be notified of this when you first visit the site or after you clear your cookies cache. By continuing to use our website and services you consent to our use of cookies and data collection.

If you do not wish to use cookies you can turn off cookies using your web browsers settings so no information is collected. You should consult your browser’s user guide for specific instructions on how to do this. If you want more details about cookies and how we use them. Then you should check our Cookies Policy.

What Rights You Have Over Your Data

European residents legally have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us via our social media

If you are not a European resident you can still request for your personal information to be deleted.

Is my Information Secure?

We endeavour to make our website and services as secure as possible. To keep your information as secure as possible we do the following:

  • We use security provided by CloudFlare
  • We have HTTPS protocols and SSL certification
  • Data such as those collected from Google Analytics are stored on their secure servers.
  • The same is true for email subscriptions – any details are stored on ConvertKit’s secure servers.
  • Our emails are directly verified with our host to help prevent phishing, spam and fraud.
  • We do not store any information we collect about you locally.
  • Any devices used to access stored data, or the backend of our website or services are installed with up-to-date antivirus software and browsers.
  • We use WordPress’ inbuilt security, best practices and we ensure everything is kept up-to-date.
  • We use additional security measures with Jetpack to prevent and block attacks.
  • We use Askimet to prevent and block spam.

Email Subscriptions

We use ConvertKit as our email list management system. This means your email subscriptions and preferences are stored and handled on ConvertKit’s secure servers.


ConvertKit has its own Terms and Conditions which we adhere to as part of using their systems. We do not send spam. We aim to send quality and useful content no more than a few times per week.

What you can expect from our emails

If you sign up to our email list (or opt-in to receive a bonus content upgrade) you agree to receive email communications from us including but not limited to newsletters, site updates, promotion resources, and other announcements and correspondence.

Responsibility of Receipt

We accept no responsibility for the accurate receipt of any such emails and you are responsible for ensuring that your email address is not blocked or impaired in any way, including by ensuring ‘white-listing’ of our email address.

How do I opt-out of Email Subscriptions?

You can stop our emails at any time. To opt-out of any of our email correspondences you can let us know via our contact form. Or by clicking the unsubscribe link at the bottom of the email so we can remove you from our list.

If you unsubscribe from receiving our emails, you acknowledge and understand that you may no longer receive information or updates from us.


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

The comment and its metadata are retained indefinitely. This is so we can recognise and approve any follow-up comments automatically instead of holding them in a moderation queue.

An anonymised string created from your email address (also called a hash) may also be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Contact Form

When using our contact form information is collected on your name, email, IP, the page the form was submitted from. Along with your message, date and time of submission.

We use this information to filter automated spam messages, but also to respond to legit messages. Once we have responded to the last message sent by a user, any data collected is deleted within 3 months.

Age Restrictions

You must be at least 18 years old to use our website and services. We do not knowingly collect or use personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered only in conjunction with your parents or guardians consent.

By providing us with your data, you warrant to us that you are over 18 years of age.

Cookies Policy

We use cookies to provide functionality, personalise content and ads, provide social media features and to analyse our traffic. Your information about how you use our website or services may be shared with our social media, advertising and analytics partners in order to provide services and features on our website. These partners may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services.

You consent to our cookies if you continue to use our website.

What are Cookies?

Cookies are small text files that are downloaded to your device when you access certain websites. They can be used by websites to make a user’s experience more efficient. Whilst cookies can be involved with advertising this is not always what they are used for.

Cookies do not contain any information that, in itself, personally identifies you and do not provide us with access to the rest of your device. They typically contain the name of the server the cookie was sent from, the lifetime of the cookie and a randomly generated unique number. Cookies can only be read by the service or website that created it.

Types of Cookies

This site uses different types of cookies. Some cookies are placed by third party services that appear on our pages.

Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies.

Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in.

Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously.

Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers.

Third-party Cookies & Services

Please note that our partners’ or other sites that may be accessible via our website or service (such as web traffic analysers and advertising networks) may also use cookies, over which we have no control. These are likely to be analytical cookies and/or targeting cookies. You should check the privacy and cookies policies posted on the relevant third-party sites for further information on such cookies (including details of how to reject or delete such cookies).

Google Analytics

Our website and services use Google Analytics, as a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help us analyse how users use our website and services. Information generated (including your IP address) is anonymous and will be sent to Google and held on Google’s servers in the USA in accordance with Google’s Privacy Policy. Please note that Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

Google Ads

We use Google Ads network on our website and services. They use cookies to serve ads to you based on your visit to us and other websites on the Internet. You can learn more, manage and opt out of Google’s Ad cookies by visiting here.


Our website and services use Askimet help block spam comments. It’s a WordPress plugin that blocks suspicious comments (including suspicious IP addresses) so that we can focus on spending time responding to legit messages. As well as keep our site clean from potentially malicious URLs or content. Please see their Terms of Service for more details.


We use ConvertKit to provide our email services. Our website and services contain forms created by ConvertKit to capture new subscribers. As such they may store cookies to remember which forms you use. This helps us distinguish the performance of forms as well as personalize them visually for users. Their Privacy Policy can be viewed here.


Our website and services are built on WordPress. As such WordPress may set and store cookies.

For example. If you have an account and you log in to this site, they will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, they will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed. See the WordPress Policies for more details.


We use Jetpack, another WordPress plugin to offer services and features on our own website and services. Jetpack stores cookies for things like our EU Cookie Law Banner that displays on our website and services. As well as collect information about stats which we use to analyze our content strategies. Jetpack is part of WordPress.com and uses the same Policies.


When adding a comment an anonymised string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. This is how Gravatar finds your profile picture to display next to your comment once approved. For more information on Gravatars privacy policy see here.

The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies, we need your permission.

You can at any time change or withdraw your consent on the use of cookies.

Prevent & Delete Cookies

If you wish to withdraw your consent for the use of Cookies then you can configure most browsers to alert and prevent certain browser-based cookies.

Some special types of cookies (such as flash cookies) used by Third parties often cannot be disabled by configuring browsers. These cookies are not controlled by us. If you wish to disable these then you should seek out an alternative method of preventing or managing such cookies via the relevant third-party settings panel.

You can also delete cookies already stored on your device.

To reject or delete cookies, you should consult the “Help” function of your browser or, for a smart device such as a mobile phone, the device’s manual.

Please note, if, you decide to disable or delete any cookies, some parts or features of our website and services may not display or work properly. Disabling or deleting cookies may also affect your ability to use online or mobile sites not provided by us.

For more information about cookies, cookie management and behavioural advertising the following websites may be useful:-

Terms of Service

All content on this blog is Copyright © 2017-2018. Individual Obligation. You may not reuse, copy or plagiarize our content, images or designs without prior written permission. We reserve all rights to our works.

The exceptions to this are:-

  • Some of our images are licensed under the Creative Commons CC0.
  • The blog theme which is Copyright © 2018 · Market theme by Restored 316.
  • Images of third party products or services are copyrighted by their respective owners and are used purely for editorial use on our site.

Limitation of Liability

We try our utmost to provide honest, accurate and responsible content as well as provide a safe and enjoyable environment for our visitors. We try to moderate user-generated content wherever possible. Despite this, we are not responsible for any errors or omissions on this website. We are not liable for user-generated content such as comments that might contain incorrect, offensive or inappropriate content.

Any content posted on this blog is personal opinion and should be taken “as is”. We are not a professional body and we do not claim to provide professional advice. We are not responsible for any outcomes resulting in trying to replicate anything from our content.

This website may contain links to external websites – we are not responsible for these sites. They have their own policies and disclosures which are independent from ours. We try to ensure all external links are safe and reputable for our viewers. Nevertheless, we are not responsible for their security or any viruses they may be infected by at a later date.

If you do find any external links which you have concerns about. You should let us know via the contact form so they can be investigated and if warranted removed or changed. The security and safety of this blog and our visitors are important to us and taken very seriously.


We may block people or terminate their account for any violations of our policies. We will not tolerate inappropriate, malicious or bullying behaviour and will take strict action against it.

Governing law

This blog is operating from Poland and as such these are the laws that apply to us.


This blog currently engages in ads and affiliate marketing.

We currently engage in affiliate programs for Amazon, WordPress.com, Bluehost and several other Merchants under the Shareashare network.

Posts that contain affiliate links we will disclose this at the top. Affiliate links do not cost you anything. If you purchase a product using one of our affiliate links we will receive a commission from your purchase which helps us to provide this website as a service to you for free.

Individual Obligation is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com and Amazon.co.uk.


Should we provide reviews for any products and services we will do so fairly and unbiased. We will only endorse products and services we have tried or would use ourselves. We will notify readers if we receive any compensation for reviews or any other content. This will state if we have been paid for a review, received items free to review, at a discount, sponsored or for any other reason.

We will always provide a fair and unbiased review regardless of whether we receive anything in return for the review or not.


This site uses Google AdSense advertisements. We do not control the content of their advertisements or the conduct of their third parties whose advertising content is being served by Google or other ad networks.

Any questions or concerns?

If you have any concerns, questions or feel there is something missing. Then please contact us through the comments below. Or through any of our social media accounts.

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