These are the terms and conditions which apply to your subscription to Wheatfromchaff Limited, (both free and paid, online and hard copy), and your use of the websites provided by Wheatfromchaff Limited or Wheatfromchaff Research Limited, including the Wheatfromchaff website, discussion groups and other public forums (the "Services").
By using or purchasing our Services you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and Wheatfromchaff 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 here or contact our customer services department on 07970 712022. Their opening hours are 9.30am to 5.30pm Monday to Friday, excluding public holidays. Please note that calls may be recorded and monitored to help improve our services.
Wheatfromchaff Limited is registered in England and Wales with company number 09328942, and VAT number: 214 0196 49. Our registered address is The Townhouse, 114-116 Fore Street, Hertford, Hertfordshire, SG14 1AJ
Wheatfromchaff Ltd is authorised and regulated by the Financial Conduct Authority FRN # 751017 (for more information see http://register.fca.org.uk).
Not all Wheatfromchaff Limited's products are regulated by the FCA. Only those products which are regulated by the FCA fall within the scope of the Financial Ombudsman Service and the Financial Services Compensation Scheme.
Full details of Wheatfromchaff Ltd’s' complaints handling process for regulated services are available on request to customer services. 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 a regulated company’s 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 they 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 FCA 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.
Special offers, free trials, refunds, and renewals
All prices quoted are inclusive of applicable taxes and delivery costs.
Free trials and special introductory price offers are only available to those who have not previously subscribed and are limited to one subscription per household.
We may 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 trial period and no payment will be taken from you during or at the end of the trial period.
If you have subscribed to a monthly service and you cancel your subscription, we will effect the cancellation and cease your access at the end of the subscription month so you will not be entitled to any refund for any unused portion of that month, but no further payments will be taken for future months.
If you have subscribed to a quarterly or annual service and you cancel your subscription, we will effect the cancellation and cease your access when you have completed the next full month of your service. You will then be entitled to a full refund of the unused portion of the subscription.
Any refund will be processed within 14 days of receipt of your request to cancel 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.
The period for which you are subscribing will be set out in your order form.
If you pay for your subscription by direct debit or continuous credit card, your subscription will continue automatically until you cancel it. By opting to subscribe in this way, you are agreeing that your subscription will renew automatically each period at the rate then in effect (less any discount which might apply).
We will notify you in advance of any change to your subscription price. If you wish to cancel, you will not be charged the higher price on the remaining time on your current subscription.
Confirmation of your order
If you order one of our own Services, you will be sent an email which confirms receipt of your order within 24 hours. It will not contain the payment details provided by you.
In the event of any non-authorisation of your payment, a customer services representative will contact you by telephone (if you have supplied your number) or by email or letter, to check the details you have supplied, and re-try the authorisation process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.
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 which we may need to validate.
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 invited to choose a user name and password. Once you have selected 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 and access to forums 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 within 14 days of any such termination.
Pay per download
If you use our pay per download services, we will have deemed that the sale of our products to you is completed once an email confirming payment has been sent to you.
Please note you cannot get a refund on pay per download products.
All tokens purchased for our pay per download service must be used within 12 months of the date of purchase. Any tokens not used within 12 months will expire, deemed to have nil value remaining and will not be entitled to any refund.
In accordance with the General Data Protection Regulation (2018) we only insist on the retention of personal data that is essential for the basic operation of our website, including the management of your subscription, and in accordance with the requirements of our license from the Financial Conduct Authority to provide financial advice to retail investors and retain information pertaining to such advice for a prescribed minimum period of time. All other personal data that we collect is subject to your express consent and such consent can be managed through our Privacy Center and withdrawn at any time. You can see a plain English explanation of our data usage here.
Advertising in free emails
We may fund free emails by taking advertising. In this case there may be up to two small ads in each free email, and then we may send you separate promotional emails up to three times a week, which will contain advertisements from us or from other companies.
By subscribing to any of our free emails, you are consenting to receive these promotions. We cannot send you a free email alone without the promotional emails.
Marketing using unsolicited email messages
We only send emails promoting Wheatfromchaff Ltd or its products to those who have agreed to receive such messages. We prohibit any advertising of Wheatfromchaff Ltd using unsolicited emails.
If you believe that you have received unsolicited emails from Wheatfromchaff Ltd that you did not give permission to receive please contact us.
Copyright and trade marks
Copyright in all information, text and images featured in the Services, is owned by or licensed to Wheatfromchaff Limited ("Our Content")..
All property rights remain with Wheatfromchaff Ltd. 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 Our Content without our prior written permission.
If you are a paid subscriber to our service you are entitled to save or download one copy of any of Our Content for the purposes of reference, but you are not entitled to make any further copies of the work, or distribute it to any third parties.
Wheatfromchaff and CrowdRating are trademarks owned by Wheatfromchaff 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 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 Wheatfromchaff Limited. We acknowledge differences in opinion and welcome 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.
In event that our service is not available to you, we will make best efforts to restore it as soon as possible, however we can accept no liability for any loss of service or lack of access to the information provided by our service.
Links to sites that may interest you
We may provide links to other websites owned by Wheatfromchaff Limited or associated companies. We may also provide links to third party sites. Some of these links may generate revenue for us at the time are clicked on or if someone subsequently uses the services of that third party. All links are provided because we think they may be of interest to you. We do not endorse or recommend any third party sites, and our editorial is not influenced by the fact that a link may or may not generate revenues.
Publishing your views on our websites
Wheatfromchaff 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.
(a) to use the Public Areas in accordance with all relevant laws and not for any illegal purpose;
(b) not to post, link to or publish any messages on the Public Areas which:
(i) 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;
(ii) impersonate any person or entity or misrepresent any affiliation with any person or entity;
(iii) are defamatory, offensive, inflammatory, hateful or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;
(iv) 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;
(v) 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
(vi) contain any form of advertising or promotion for goods and services or any chain messages or "spam";
(c) 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
(d) not to attempt any unauthorised access to any part or component of the Services.
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.
By submitting messages to Public Areas you are granting us a worldwide perpetual, royalty-free, non-exclusive licence 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.
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.
The failure of Wheatfromchaff 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.
Wheatfromchaff Ltd may use UK and European credit reference agency (CRA) records about you to prevent crime, fraud and money laundering.
• Last updated FEBRUARY 2017
COMPLAINTS ABOUT THE BULLETIN BOARDS
IF YOU SEE CONTENT ON A BULLETIN BOARD WHICH YOU KNOW TO BE FACTUALLY INCORRECT, ILLEGAL OR BREACHING OR INFRINGING ANY LAW, PLEASE INFORM US IMMEDIATELY either by calling 07970 712022 or by emailing firstname.lastname@example.org