Terms of Service

Last Updated: May 9th, 2025

Welcome to Flow Maugran’s Substack (the "Newsletter"). By subscribing, accessing, or using this Newsletter, you agree to comply with these Terms of Service ("ToS"). If you do not agree, please refrain from using this service.

1. Acceptance of Terms

By subscribing to or accessing this Newsletter, you confirm that you have read, understood, and agreed to these Terms. I reserve the right to modify these Terms at any time, with changes effective upon posting.

2. Subscription & Payments

• Free Content: Some content may be available for free.

• Paid Subscriptions: If you purchase a paid subscription, you agree to pay the specified fees and authorise automatic recurring payments (monthly/yearly).

• Cancellation: You may cancel at any time, but refunds are subject to my Refund Policy (if applicable).

3. User Responsibilities

• You must provide accurate information when subscribing.

• You are responsible for maintaining the confidentiality of your account.

• You agree not to redistribute paid content without permission.

4. Intellectual Property

• All content (articles, emails, images) is owned by Flow as A-F Maugran unless stated otherwise.

• Subscribers may share content for personal use but may not reproduce, sell, or modify it without my permission.

5. Disclaimer & Limitation of Liability

• The Newsletter provides informational content only, not professional advice.

• I do not guarantee accuracy, completeness, or reliability of the content.

• I am not liable for any damages resulting from your use of the Newsletter.

6. Privacy Policy

Your data is handled according to our Privacy Policy below:

Last Updated: May 09th, 2025.

This Privacy Policy explains how Flow as A-F Maugran ("I," "me," or "mine") collects, uses, and protects your personal data when you subscribe to or interact with [Flow Maugran’s Substack (the "Newsletter"). By using this service, you consent to the practices described below.

6-1. Data Controller

The data controller responsible for your personal information is:
Flow Maugran (legal name as A-F Maugran)
Cymru, Wales, U.K. gowiththe.flow@yahoo.com

6-2. Information I collect

I may collect and process the following data:

• Subscription Data: Name, email address, payment details (if applicable).

• Usage Data: How you interact with my emails (opens, clicks) via Substack’s analytics.

• Comments & Interactions: If you engage with posts (e.g., comments).

  6-3. How I Use Your Data

We process your data lawfully under UK GDPR for:

• Delivering the Newsletter and managing subscriptions.

• Processing payments (if applicable).

• Analysing engagement to improve content.

• Complying with legal obligations.

  6-4. Legal Basis for Processing

• Contractual Necessity: To provide the Newsletter you subscribed to.

• Legitimate Interest: Improving our service and preventing fraud.

• Consent: Where required (e.g., marketing emails beyond the Newsletter).

  6-5. Data Sharing & Third Parties

• Substack: Acts as a data processor; see Substack’s Privacy Policy.

• Payment Processors: Stripe/PayPal (if applicable) handle transactions securely.

• Legal Compliance: We may disclose data if required by law.

  6-6. International Data Transfers

Substack stores data in the US (under EU-US Data Privacy Framework safeguards). By subscribing, you acknowledge this transfer.

6-7. Data Retention

I retain your data only as long as necessary:

• Active subscribers: Until you unsubscribe.

• Payment records: As required by UK tax/accounting laws (typically 6–7 years).

  6-8. Your Rights Under UK GDPR

You have the right to:

• Access, correct, or delete your data.

• Restrict or object to processing.

• Port your data (receive it in a structured format).

• Withdraw consent (where applicable).

• Lodge a complaint with the UK ICO.

To exercise these rights, contact me at gowiththe.flow@yahoo.com

6-9. Cookies & Tracking

Substack uses cookies for functionality and analytics. You can manage preferences via your browser.

6-10. Changes to This Policy

I may update this policy; changes will be posted here.

6-11. Contact Me

For questions or data requests, email: gowiththe.flow@yahoo.com

7. Termination

I reserve the right to suspend or terminate subscriptions for violations of these Terms.

8. Governing Law & Dispute Resolution

These Terms are governed by the laws of the United Kingdom. Any disputes shall be resolved through arbitration or small claims court.

9. Contact Information

For questions, contact: gowiththe.flow@yahoo.com

Additional Considerations for Substack:

• Refund Policy: Specify if refunds are allowed (e.g., "No refunds for partial subscription periods").

• User-Generated Content: If you allow comments, add rules about prohibited conduct (e.g., no harassment, spam).

• Third-Party Links: Clarify that you’re not responsible for external sites linked in the Newsletter.