Effective Date: 12 March 2025
Welcome to STOWW – Social Security Trends, Overseas Welfare & Wealth Watch. By accessing and using our website (“STOWW,” “we,” “us,” or “our”), you agree to the following Terms and Conditions. If you do not agree with these terms, please do not use our website.
1. Acceptance of Terms
By using STOWW, you acknowledge that you have read, understood, and agree to abide by these Terms and Conditions. These terms apply to all visitors, users, and any others who access or use our website.
2. Website Content and Use
- STOWW provides informational content related to social security programs, global welfare benefits, and rare coin valuations.
- The information on this site is for educational purposes only and should not be considered financial, legal, or investment advice.
- While we strive for accuracy, we do not guarantee the completeness or reliability of any information published on our website.
3. No Government Affiliation
STOWW is an independent website and is not affiliated, endorsed, or connected with any government agency including but not limited to:
- Social Security Administration (SSA) – United States
- Canada Pension Plan (CPP) – Canada
- Centrelink – Australia
- South African Social Security Agency (SASSA) – South Africa
For official updates, please visit the respective government websites.
4. Intellectual Property Rights
- All content, text, graphics, images, and logos on STOWW are our intellectual property and protected under copyright laws.
- You may not reproduce, distribute, modify, or use any content from our website without our explicit written permission.
- Unauthorized use of our content may result in legal action.
5. User Responsibilities
By using STOWW, you agree that you will not:
✔ Use the website for any illegal or fraudulent activities.
✔ Misuse, disrupt, or attempt to gain unauthorized access to our website.
✔ Post or distribute false, misleading, or defamatory content.
✔ Use STOWW for commercial purposes without our prior consent.
6. Third-Party Links and Advertisements
- Our website may contain links to third-party websites for informational or advertising purposes.
- We do not control or take responsibility for the content, policies, or security of external websites.
- If you choose to access a third-party site, you do so at your own risk.
7. Disclaimer of Warranties
- STOWW provides content “as is” and “as available” without any warranties or guarantees of accuracy, reliability, or completeness.
- We do not guarantee that our website will be free from errors, uninterrupted, or secure.
- We shall not be held liable for any direct or indirect losses arising from your use of this website.
8. Limitation of Liability
STOWW and its team shall not be liable for any:
- Financial losses or damages resulting from reliance on information provided on our website.
- Inaccuracies, delays, or updates regarding government policies and rare coin values.
- Technical issues, website downtime, or security breaches beyond our control.
9. Modifications to Terms
We reserve the right to update, change, or modify these Terms and Conditions at any time. It is your responsibility to review this page periodically to stay informed about any changes. Continued use of the website after modifications signifies your acceptance of the updated terms.
10. Termination of Access
We reserve the right to suspend or terminate your access to STOWW without notice if:
✔ You violate these Terms and Conditions.
✔ You engage in harmful, fraudulent, or illegal activities.
✔ We detect any attempts to disrupt, manipulate, or misuse our website.
11. Governing Law
These Terms and Conditions are governed by the laws of [Your Country/State]. Any disputes arising from the use of our website will be resolved in accordance with applicable laws.
12. Contact Us
If you have any questions regarding these Terms and Conditions, please contact us at:
Email: [email protected]
By using STOWW, you acknowledge and agree to these terms. Thank you for visiting and trusting us for social security insights, global welfare updates, and rare coin knowledge.