Website terms of use

This website is operated by Mabel Insights Ltd. We are a private limited company incorporated and registered in England and Wales under company number 15074432 and with our registered office address at 26 Mabel Street, Woking, GU21 6NN, United Kingdom.

The information on this page contains terms and conditions which apply to you and includes important information. We intend to rely on this information and for your own benefit, you should read this page carefully. If you do not understand any of the information, please do not hesitate to contact us.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

We may amend these terms from time to time by publishing new terms on this site, following which all use of the site will be governed by the new terms. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time, as they will be legally binding on you. You may wish to print or save a copy of these terms for future reference.

Access to our site

We will use reasonable efforts to ensure that our site remains available for you to access and use in accordance with these terms. However, we do not guarantee that our site, or any content on it, will always be available or be uninterrupted. On occasion there may be interruptions to our website and to access to our services for scheduled maintenance or upgrades, or emergency repairs, or due to failure of telecommunication services and equipment which are beyond our control. We will also update and make changes to our site from time to time. 

This site and the content on it are not directed at or intended for distribution to or for use by any person (or entity) who is a citizen or resident of (or located or established in) any jurisdiction or country where such use would be contrary to applicable law or regulation or would subject us to any registration or licensing requirement in such jurisdiction or country. We disclaim all responsibility if you access or download any information on our website in breach of any law or regulation of the country in which you reside. All persons who wish to access this website are required to inform themselves of and to comply with any legal or regulatory restrictions which may affect their eligibility to access this website. Professional advice should be sought in cases of doubt.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you know your user identification code or password, you must promptly notify us.

How you may use material on our site

All copyright and other intellectual property rights in any material (including text, graphics, data, articles, photos, images, illustrations and so forth) contained in our site is either owned by us or has been licensed to us by the rights owner(s) for use by us on our website. Those works are protected by copyright and other intellectual property laws and treaties around the world. All such rights are reserved.

You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any content you access through our services, and agree that you will not use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, commercialise or otherwise exploit for any purpose any content not owned by you, (i) without the prior consent of the owner of that content or (ii) in a way that violates someone else’s (including our) rights. 

Without limiting the foregoing, you further agree that you shall not, directly or indirectly, use any content available through our services as input in the creation or calculation of an index, or any financial instrument or investment product, and that your use of any third party content may be subject to additional limits, restrictions, terms and conditions imposed by such third party owner. You shall also not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site. 

Subject to these terms, we grant each user of the services a worldwide, non-exclusive, revocable, non-sublicensable and non-transferable license to use the content solely for purposes of using our services. Use, reproduction, modification, distribution or storage of any content for any purpose other than using the services is expressly prohibited without prior written permission from us. You agree that you will not modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this section), create derivative works based on, or otherwise exploit any of our services or our site without our permission.

Reliance on information on our website – Not investment advice

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date. Information may no longer be true or complete when viewed by you and may be changed or amended without prior notice. 

None of the content on our site or any part of our services is intended to be or should be construed as being professional advice of any kind (including financial planning, business, employment, investment, accounting, tax, and/or legal advice).  Our site content and services are not intended to be a substitute for the professional advice of a financial planner, financial adviser, accountant or otherwise. 

Our site content and services are for provided for general informational purposes only, are not tailored for your specific requirements or circumstances, and does not constitute a solicitation, invitation or offer, or advice or recommendation, to buy or sell interests in any investment products, to effect any transactions, or to conclude any transaction of any kind whatsoever. Our site content and services also do not constitute research reports and are not intended to serve as the basis for any investment decision. Any third-party information provided therein does not reflect the views of us. 

All investments involve risk including the loss of principal. Past performance does not guarantee and should not be seen as an indication of future performance. The value of all investments and the income derived therefrom can decrease as well as increase and investors may not get back the amount originally invested.

Some of the information on this website may be provided by third parties and we accept no responsibility or liability for the accuracy or completeness of such information. Such information has not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

Linking to our site

We permit and welcome linking by other sites to any part of our website, provided it is done in a way that is fair and legal and does not damage our reputation or take advantage of it. We reserve the right to withdraw linking permission at any time without notice. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. The website must not be framed on any other site.

Linking to other sites

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

Viruses, hacking and other offences

Whilst we believe that this website is free of viruses, use of this website is at your own risk. We do not guarantee that our website will be secure or free from bugs or viruses, and yare responsible for configuring your information technology, computer programmes and platform to access our website. You should also use your own virus protection software. You should also be aware that the internet is not a completely reliable transmission medium. We do not accept any liability for any data transmission errors such as data loss or damage or alteration of any kind, including, but not limited to any direct, indirect or consequential damage, arising out of the use of the products or services referred to herein.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the website or to your downloading of any material posted on it, or on any linked website.

Our responsibility for loss or damage suffered by you

Nothing in these terms shall exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Liability for loss or damage arising from your use of this website is excluded to the extent permitted by law. In no event will we be liable to any person for any direct, indirect, special or consequential loss or damages arising out of any use of (or inability to use) or reliance on the information on our website, or on any other hyper-linked website, including, without limitation, any loss of revenue, loss of actual or anticipated profits, loss of contracts, loss of the use of money, loss of anticipated savings, loss of business, business interruption, loss of opportunity, loss of reputation, loss of programs or data on your equipment, or otherwise, even if we are expressly advised of the possibility or likelihood of such damages. 

We shall also have no liability for any losses which arise from any event beyond our reasonable control or any losses which could not reasonably have been anticipated by us.

Any technical support provided by our staff is given in good faith and we cannot accept liability for any data or information held on your computer, which may be lost or damaged in processes advised.

Termination

We may end your rights to use the website at any time if you have broken these terms in a serious way. If what you have done can be put right, we may decide in our sole discretion to give you a reasonable opportunity to do so. If we do end your right to use the website you must immediately stop using it.

General

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract. You cannot assign, transfer or sublicense these terms without first obtaining our consent.

If it turns out that any part of these terms are invalid, void, or for any reason unenforceable, that term will be deemed severable and limited or eliminated to the minimum extent necessary. The limitation or elimination of the term will not affect any other terms.

No one other than us or you has any right to enforce any of these terms.

No delay, act or omission by us or you in enforcing these terms will prevent us or you from enforcing these terms at a later stage.

Complaints and disputes

We will try to resolve any disputes with you quickly and efficiently. If you are unhappy, please contact us as soon as possible using the contact details on our site.

These terms, their subject matter and their formation shall be governed by and construed in accordance with English law. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these terms, their subject matter and their formation, save that we may enforce our rights in the courts of any jurisdiction having competence to issue an injunction directly enforceable against you.