Terms and conditions

In order to use our website and/or receive our services, you must be at least of the legal age of majority in your jurisdiction, and possess the legal authority, right and freedom to enter into these Terms as a binding agreement. You are not allowed to use this website and/or receive services if doing so is prohibited in your country or under any law or regulation applicable to you.
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Refund / Cancellation
At the end of each subscription period, a subscription will continue to automatically renew at the prevailing fee rate applicable to the Data plan which has been selected by the Subscriber, unless terminated by us or until the Subscriber notifies us of their decision to cancel their subscription to the Services.
Either party may terminate this agreement to access the Subscription Service, which in the case of the Subscriber may be communicated to Financial Wisdom by the Subscriber unsubscribing on the Website. If the Subscriber terminates this agreement to access the Subscription Service, the Subscriber shall ensure that it pays Financial Wisdom all Charges owing up until the date of termination (including any outstanding interest) and will be entitled to use the service until the end of that billing period. The Subscriber shall not be entitled to any refund of charges it has already paid to Financial Wisdom.
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Cooling Off Period
 
Under Part III of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013,, you might otherwise have the right to cancel the agreement to access the Subscription Service without charge for 14 days after the day this Agreement has been concluded. However, when you successfully complete your order for our Subscription Service, you agree that the Product is immediately available to you (i.e. before the end of that cancellation period) and that we have therefore immediately commenced provision of the services for the purposes of the Regulations. As the services are provided at your request, you lose your right to cancel under the Regulations. 
Any Billing Assistance will be conducted by email . 
Disclaimer
Before using this site, please make sure that you note the following important information:
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Do Your Own Research
Our content is intended to be used and must be used for information and education purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our Website and wish to rely upon, whether for the purpose of making an investment decision or otherwise.
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No Investment Advice
Our Website is a financial education portal and discussion forum. Financial Wisdom LTD is not a broker/dealer, we are not an investment advisor, we have no access to non-public information about publicly traded companies, and this is not a place for the giving or receiving of financial advice, advice concerning investment decisions or tax or legal advice. We are not regulated by the Financial Services Authority.
We are an educational forum for analysing, learning & discussing general and generic information related to stocks, investments and strategies. No content on the site constitutes - or should be understood as constituting - a recommendation to enter in any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a stock or investment approach is suited to the financial needs of a specific individual.
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Individual Empowerment, Not Hand-Holding
This is the beginning of a journey, not the end. Where we present investment information, the results should only be treated as candidates for further research, not as a buy list or set of recommendations. Screening may help to narrow a search based on pre-defined criteria but it is not a substitute for independent research reflecting your individual criteria for investing/trading.
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No Reliance
Accordingly, we will not be liable, whether in contract, tort (including negligence) or otherwise, in respect of any damage, expense or other loss you may suffer arising out of such information or any reliance you may place upon such information. Any arrangements between you and any third party contacted via the Website are at your sole risk.
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Investment Warnings
We would like to draw your attention to the following important investment warnings.

• The value of shares and investments and the income derived from them can go down as well as up;

• Investors may not get back the amount they invested - losing all your capital is a real risk;

• Past performance is not a guide to future performance.