You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
FOR INFORMATIONAL PURPOSES ONLY
The information provided in or through this Website is for educational and informational purposes only and solely as a self-help tool for your own use. Content found here is intended as a starting point for doing additional independent research in order to allow you to form your own opinion regarding investments. You should always check with your licensed financial advisor and tax advisor to determine the suitability of any investment.
PERSONAL RESPONSIBILITYYou aim to accurately represent the information provided to us on or through our Website. You acknowledge that you are participating voluntarily in using our Website and that you are solely and personally responsible for your choices, actions and results, now and in the future. You accept full responsibility for the consequences of your use, or non-use, of any information provided on or through this Website, and you agree to use your own judgment and due diligence before implementing any idea, suggestion or recommendation from my Website to your life, family or business.
NO GUARANTEESYour success depends primarily on your own effort, motivation, commitment and follow-through. You fully agree that there are no guarantees as to the specific outcome or results you can expect from using the information you receive on or through this Website.
LICENSE TO USE WEBSITEUnless otherwise stated, Website and/or its licencors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
- republish material from this website (including republication on another website);
- sell, rent or sub-license material from the website;
- show any material from the website in public;
- reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
- edit or otherwise modify any material on the website; or
- redistribute material from this website.
ACCEPTABLE USEYou must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website.
You must not use this website to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without Website’s express written consent.
RESTRICTED ACCESSAccess to certain areas of this website maybe restricted. Website reserves the right to restrict access to areas of this website, or indeed this entire website, at Website’s discretion.
If Website provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
USER CONTENTIn these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to Website a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Website the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Website or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
Website reserves the right to edit or remove any material submitted to this website, or stored on Website’s servers, or hosted or published upon this website.
Notwithstanding Website’s rights under these terms and conditions in relation to user content, Website does not undertake to monitor the submission of such content to, or the publication of such content on, this website.
NO WARRANTIESThis website is provided “as is” without any representations or warranties, express or implied. Website makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, Website does not warrant that:
this website will be constantly available, or available at all; or
the information on this website is complete, true, accurate or non-misleading.
LIMITATIONS OF LIABILITYWebsite will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
to the extent that the website is provided free-of-charge, for any direct loss;
for any indirect, special or consequential loss; or
for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if Website has been expressly advised of the potential loss.
EXCEPTIONSNothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Website’s liability in respect of any:
- death or personal injury caused by Website’s negligence;
- fraud or fraudulent misrepresentation on the part of Website; or
- matter which it would be illegal or unlawful for Website to exclude or limit, or to attempt or purport to exclude or limit, its liability.
REASONABLENESSBy using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
OTHER PARTIESYou accept that, as a limited liability entity, Website has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Website’s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Website’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Website.
UNENFORCEABLE PROVISIONSIf any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
INDEMNITYYou hereby indemnify Website and undertake to keep Website indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Website to a third party in settlement of a claim or dispute on the advice of Website’s legal advisers) incurred or suffered by Website arising out of any breach by you of any provision of these terms and conditions[, or arising out of any claim that you have breached any provision of these terms and conditions.
BREACHES OF THESE TERMS AND CONDITIONSWithout prejudice to Website’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Website may take such action as Website deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
VARIATIONWebsite may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
ASSIGNMENTWebsite may transfer, sub-contract or otherwise deal with Website’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.