Terms and Conditions

General

These are the terms and conditions which apply to your subscription to MoneyWeek Limited publications (both free and paid, online and hard copy) and your use of the websites provided by MoneyWeek Limited, including the MoneyWeek website, discussion groups and other public forums (the "Services").

By using our Services you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and MoneyWeek Limited (the "Agreement").

If we change our terms and conditions, we will notify you of those changes here.

If there is anything you do not understand or you have a query please feel free to email your enquiry to us at cs@moneyweek.com or contact our customer services department on 020 7633 3780. Their opening hours are 9am to 5.30pm Monday to Friday (9am to 2pm Wednesday), excluding public holidays. Please note that calls may be recorded and monitored to help improve our services.

Money Week Limited is registered in England and Wales with company number 4016750 and VAT number 629 7287 94. Our registered address is: 7th Floor, Sea Containers House, 20 Upper Ground, London SE1 9JD.

FSA Regulation

As of 1 May 2010 MoneyWeek Limited will be authorised and regulated by the Financial Services Authority (FSA registration number 509798 - for more information see http://www.fsa.gov.uk/register/home.do).

Not all of MoneyWeek Limited's products will be regulated by the FSA. Only those products which are regulated by the FSA fall within the scope of the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Full details of our complaints handling process for regulated services are available on request to customer services or by clicking here. If you are dissatisfied with our handling of a complaint relating to one of our regulated services, you may be entitled to refer the matter to the Financial Ombudsman Service (for more information see www.financial-ombudsman.org.uk).

In the event of our insolvency, you may be entitled to compensation from the Financial Services Compensation Scheme in relation to money we owe you in respect of the provision of our regulated services (for more information see www.fscs.org.uk).

Our regulated services will provide you with advice on investments and we may also facilitate arrangements for you to act on our published advice. In providing this service, we will treat you as a retail client for the purposes of FSA rules.

The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.

If you need guidance as to how to interpret our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.

Subscription Services

Special Offers, Free Trials, Refunds

All prices quoted are inclusive of applicable taxes and delivery costs.

Free trials and special first year price offers are only available to those who have not previously subscribed and are limited to one subscription per household.

We offer a free trial period for our own subscription products. If you are not completely satisfied with your product, you can cancel your subscription during this period and no payment will be taken from you. After the free trial period we also offer a pro-rata refund. This means that, at any time, you can claim a full refund on the unexpired part of your subscription.

From time to time we promote other companies' products. Whilst we encourage our partner companies to offer as generous a refund policy as we do, their refund policy may differ, so please ensure you check their refund policy before ordering.

If you order one of our own products, within two working days of your order you will be sent an email which confirms receipt of your order. It will not contain the payment details provided by you.

In the event of any non-authorisation of your card, a customer services representative will contact you by telephone (if you have supplied your number) or by email, to check the details you have supplied, and re-try the authorisation process. Again, if we contact you by email, the email will not contain any payment details.

Registration

If you wish to have access to subscriber-only services and unrestricted access to the subscriber-only content of the website, you will need to subscribe with us. When you subscribe you will be required to provide certain personal information. That information must be true, accurate, correct and complete, and you must notify us immediately of any changes to that information. If you post comments you will be required to provide us with your email address.

You agree that you will not impersonate any other person or entity or use a false name or a name that you are not authorised to use. You also agree not to disclose your password or user name to any other person, or allow your password or user name to be used by any other person to access the Services.

We reserve the right to decline any application from you to subscribe as a user of the Services. If you are accepted you will be able to choose a user name and password. If you are allowed to select a user name, we reserve the right to modify it or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.

We reserve the right to terminate your access to the Services (including subscription services) if any information you provide is untrue, inaccurate, out-of-date or incomplete, or if we believe that you have breached these terms and conditions.

Ending a subscription

We are entitled to terminate your paid or unpaid subscriptions at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription we will refund the unused portion of your subscription fee.

Copyright and Trade Marks

Copyright in all information, text and images featured in the Services, is owned by or licensed to MoneyWeek Limited (the "MoneyWeek Content"). Provided that you acknowledge MoneyWeek Limited as the source of the information, you are entitled to save or download one copy of any of the MoneyWeek Content for the purposes of reference, but you are not entitled to make any further copies of the work.

All property rights remain with MoneyWeek Limited. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of the MoneyWeek Content without the prior written permission of MoneyWeek Limited.

MoneyWeek and MoneyMorning are trade marks owned by MoneyWeek Limited.

Reliance on Content

Information in our unregulated Services is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our unregulated Services is up to date and accurate, but we do not guarantee the accuracy and currency of the information.

The information and opinions expressed do not necessarily reflect the views of every contributor to MoneyWeek or MoneyWeek Limited. MoneyWeek Limited acknowledges differences in opinion and welcomes the exchange of different viewpoints.

We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, on rare occasions access may be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.

Links to sites that may interest you

We may provide links to other websites owned by MoneyWeek Limited or associated companies. We may also provide links to third party sites. All links are provided for convenience only, and unless expressly stated, we do not endorse or recommend any third party sites.

Publishing your views on our websites

MoneyWeek Limited may provide websites which contain discussion groups, bulletin boards and other public areas which allow users to publish their views (the "Public Areas"). If you wish to post messages to the Public Areas you may only do so in accordance with these terms and conditions.

Message Rules

You agree:

1. to use the Public Areas in accordance with all relevant laws and not for any illegal purpose;
2. not to post, link to or publish any messages on the Public Areas which:
1. contain software viruses, files or code designed to interrupt, destroy or limit the functionality of the Services or any computer software or equipment or collect or store other users' personal data;
2. impersonate any person or entity or misrepresent any affiliation with any person or entity;
3. are defamatory, offensive, inflammatory, hateful or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;
4. violate or infringe the rights of any person, firm or company, including, but not limited to, rights of intellectual property, contractual rights, rights of confidentiality or rights of privacy;
5. promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age, or advocate, promote or incite any third party to commit or assist any unlawful or criminal act; or
6. contain any form of advertising or promotion for goods and services or any chain messages or "spam";
3. not to use the Public Areas in a way that may cause them or the Services to be interrupted, damaged, rendered less efficient or which impairs their effectiveness or functionality; and
4. not to attempt any unauthorised access to any part or component of the Services.

Liability

You are responsible for the content of your messages and you are liable for activities conducted by you, or by others authorised by you, or otherwise acting on your behalf.

By submitting messages to a Public Area you agree to indemnify us against all claims, costs and expenses (including reasonable legal and administrative expenses) arising out of any such messages.

The Public Areas contain messages submitted by users over whom we have no control. We cannot guarantee the accuracy, integrity or quality of these messages. Some users may breach these terms and conditions and post messages that are misleading, untrue or offensive. You bear all risk associated with your use of the Public Areas and you should not rely on messages in making (or not making) any specific investment or other decision. In the event that you have any right, claim or action against any users arising out of that user's use of the Public Areas, then you will pursue such right, claim or action independently of, and without recourse to us.

We expressly exclude our liability for any loss or damage arising from the use of the Public Areas by any person in contravention of these terms and conditions.

Copyright

By submitting messages to Public Areas you are granting us a worldwide perpetual, royalty-free, non-exclusive license to reproduce, modify, translate, make available, distribute and sub-license the message in whole or in part and in any form. This may include personal information such as your user name and alias and your expressions of opinion.

It is not possible for us to fully and effectively monitor when messages infringe the copyright of a third party or other third party rights. If you believe that a message infringes any legal rights that you may have, you should notify us immediately with specific details by contacting us

Monitoring

While we do not control the messages posted to Public Areas by users, we reserve the right (which we may exercise at our sole discretion without notice) to delete, move or edit the messages and to terminate access to and use of the Public Areas. Users of the Public Areas waive any moral rights in regard to the messages.

Breach of these Terms and Conditions

We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Services.

Other

The failure of MoneyWeek Limited to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. The section titles in these terms and conditions are for convenience only and have no legal or contractual effect. This Agreement operates to the fullest extent permissible by law. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions.

This Agreement shall be governed by and construed in accordance with English Law and you hereby agree to be subject to the exclusive jurisdiction of the Courts of England.