Online Privacy Policy

Last Updated: June 8, 2026

Xover Limited (the “Company,” "we," "us," or "our") respects the privacy concerns of the users of its website, www.stuartlmorris.com, and the services provided therein (the “Site”). This privacy statement explains what information is gathered during a visit to the Site and how such information may be used.

Please also review the Terms of Use at www.stuartlmorris.com, which also govern your use of this Site.

1. Use of Information

As a general policy, no personally identifiable information—such as your name, address, or email address—is automatically collected from your visit to the Site.

Non-Personal Information

Certain non-personal information is recorded by the standard operation of the Company’s internet servers. Information gathered includes:

• The type of browser being used

• The operating system of your device

• Your IP address

This data is gathered solely to enhance and optimize your online experience.

Personally Identifiable Information

The Site’s various mailing lists, downloads (such as free book chapters), special offers, registration forms, and surveys may request that you give us contact information. This may include:

• Contact Data: Name, mailing address, and/or email address.

• Demographic Data: Age and gender.

• Preference Data: Personal preferences, interests, or software preferences.

Information submitted at the time of submission will be used by the Company only as necessary for our legitimate business interests, including without limitation the improvement of our products, services, and the contents of the Site. The Company may also share such information with our business and promotional partners to further those interests.

Our Commitment: Personally identifiable information is never sold or leased to any third parties.

With your explicit permission, we may use your contact information to send you information about our company, books, retreats, and services. You may always opt-out of receiving future mailings at any time (see the Choice/Opt-Out section below).

Financial Data

The Company does not store any credit card information it may receive regarding a specific transaction and/or billing arrangement, except as strictly necessary to complete and satisfy its rights and obligations with regard to such transaction, billing arrangement, and/or as otherwise authorized by the user.

Legal Disclosures

The Company may disclose user information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact, or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with the Company’s rights or property, other users of the Site, or anyone else that could be harmed by such activities.  

 

2. Children Age 13 and Under 

The Company recognizes the special obligation to protect personally identifiable information obtained from children age 13 and under.  

Important Notice: If you are 13 years old or younger, the Company requests that you do not submit any personal information to the Site or to the Company.  

If the Company discovers that a child age 13 or younger has signed up on the Site or provided us with personally identifiable information, we will delete that child’s identifiable information from our records immediately.

3. Use of Cookies

Cookies are pieces of information that a website transfers to an individual’s computer hard drive for record-keeping purposes. Cookies make using our Site easier by, among other things, saving your passwords and preferences for you. These cookies are restricted for use only on our Site, and do not transfer any personal information to any other party.

Most browsers are initially set up to accept cookies. You can, however, reset your browser to refuse all cookies or indicate when a cookie is being sent. Please consult the technical information relevant to your browser for instructions. If you choose to disable your cookies setting or refuse to accept a cookie, some parts of the Site may not function properly or may be considerably slower.

The Company uses the following cookies on the Site:

Cookie Name	Purpose
_kjb_session	Kajabi session cookie: Tracks your active admin session so you don't need to re-login.
kjba	Kajabi affiliate token: Tracks which affiliate has referred an offer purchase.
_abv	Admin bar hidden: Tracks whether the user wishes their admin previewing bar to be hidden.

4. Malware, Spyware, and Viruses

Neither the Company nor the Site knowingly permit the use of malware, spyware, viruses, and/or other similar types of malicious software.

5. Links to External Sites

The Company is not responsible for the content or practices of third-party websites that may be linked to the Site. The Company is also not responsible for any information that you might share with such linked websites. You should refer to each website’s respective privacy pol icy and practices prior to disclosing any infor mation.   

 

 6. Public Forums, Bulletin Boards, and Chat Areas  

 Guests of the Site are solely responsible for the content of messages they post on the Company’s forums, such as chat rooms, community areas, and bulletin boards. Users should be aware that when they voluntarily disclose personal information (e.g. , user name, email address,  phone number) on public areas, that information can be collected and used by others and may result in un solicited messages from third parties. You are responsible for the personal information you choose to submit in these instances. Please take care when using these features.   

 7. Choice / Opt-Out  

 The Site provides you the opportunity to opt-in to receive com munications from us at the point where  we request information about you. You always have the option of removing your name from any email list in order to discontinue future communications. 

 

• Immediate Removal: Please follow the specific unsubscribe instru ctions set forth within the footer of the email communications you receive from the Company.    

•   Manual Request: If you are unsuccessful in completing the automated instructions, please email us directly at [ins ert your legal/contact e mail, e.g., [email protected]], including a copy of the undesired email attached to the request, and state that you wish to be removed from the mailing list. 

   

8. Security

Security for all personally identifiable information is extremely important to us. Unfortunately, no data transmission over the internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, the Company cannot ensure or warrant the security of any information you transmit via the internet. By transmitting any such information to the Company, you accept that you do so at your own risk.

9. Your Acceptance of These Terms

By using the Site, you accept the policies and restrictions set forth in this Online Privacy Policy. If you do not agree to this policy, please do not use the Site. This Online Privacy Policy may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current policies to which you are bound.

10. Contact Information for Complaints or Concerns

 

If you have any questions, complaints, or concerns about Xover Ltd or about this privacy statement, please contact us via the following methods:

• Via Email: [email protected]

• Via Regular Mail:

  Xover Ltd
  High Trenhouse
  Malham Moor
  Settle
  BD24 9PR

Information provided by you via general email inquiries to the Company (such as your email address) is used only to respond to your inquiries in the ordinary course of business, and is never shared with third parties.