Terms of Use

 

Terms of Use

Introduction

Thank you for visiting WealthiFi.com which is owned by QFT Advise Ltd. Please read these Terms of Use carefully as they constitute a binding legal agreement between you and QFT Advise Ltd.

In an era of personal responsibility, and for the avoidance of doubt, the opinions and information on this site are just that. None of the content on the site constitutes advice. The material on WealthIFi.com does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. Before acting on information on this website, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor.

By viewing this site, whether it be via our website, www.wealthifi.com, Twitter, Facebook, mail, LinkedIn or any other platform or by registering with us, you acknowledge that you have read, understood and agree to be bound by these Terms of Use.  If you do not agree then you  must not use this site.

 

Privacy

Your privacy is important to us. Please read our Privacy Statement  (http://www.wealthifi.com/privacy/) to see how we collect, use and protect your personal information. We recommend that you do this before using our site or registering with us.

 

Changes to Terms of Use

We may change, modify, add to or delete portions of these Terms of Use at any time. When we do, we will notify you of  the changes by adding an “updated” icon next to the Terms of Use link on the front page of the site for three weeks from the date of change. However, it is your responsibility to regularly review the Terms of Use for changes. By continuing to use this site you agree to these changes.

 

Your use of WealthiFi.com

WealthiFi.com is made available for your personal , non-commercial use only, except where otherwise authorized by us.

It is your responsibility, bearing in mind the global nature of the internet, to comply with all relevant laws which may apply to your use of WealthIfi.com and to the material you post, including but not limited to laws relating to acceptable content, online conduct and the export of data. Failure, to comply with all applicable laws or these Terms of Use may result in deletion of posts, suspension of posting privileges and /or banning.

 

Your account

If you choose to register for an account for posting comments then as part of the  registration you will be asked to provide a username and an e-mail address.

You may not select or use a username that:

Contains “WealthiFi” or otherwise misrepresents your relationship with WealthIFi.com or any other party;

Contains any profanity, is vulgar or offensive, or promotes an illegal activity;

Violates any trade mark or other proprietary right; or

Impersonates someone else

We reserve the right to change usernames at our discretion.  We reserve the right to log off or deactivate accounts that are inactive for an extended period of time.

You may not use the username of another user. You agree to notify us immediately if you suspect any unauthorized use of your account.

We will  not be liable for any loss that may incur as a result of someone else using or accessing your account, either with or without your knowledge.

You may be held liable for losses incurred by us or any other party as a result of someone else using or accessing your account.

 

We may at our absolute discretion refuse you access to the site, delete posts by you or suspend/terminate your account without prior notice for any reason and you shall not  be entitled to any compensation in respect of this.

These Terms of Use, including, in particular, the indemnities contained herein, shall survive any suspension or termination of your account.

 

Your Posts

WealthiFi.com is committed to providing an open forum for discussion and debate on many themes. WealthiFi.com has made a comments section available to its users on the website in “Questions for Today” to facilitate such discussion and debate. Please note that you are liable for the contents of any comments you post on the website. WealthiFi.com is not liable whatsoever for any comments posted on its website by users. Any views or comments expressed in the user posts are not necessarily the views of WealthiFi.com, any entity associated with it or any of its editorial team.

WealthiFi.com strongly advises that you read these Terms of Use and our separate Comments Policy before posting any comments on WealthiFi.com.

Please note that users aged 13 or over but under the age of 18 must obtain the consent of a parent or legal guardian each time such user wishes to post a comment on WealthiFi.com.

WealthiFi.com is not responsible for and does not endorse the contents of user’s posts or warrant the accuracy, truthfulness, legality or reliability of user’s posts. You are entirely responsible for material which you post. You agree to fully indemnify WealthiFi.com in the event of any legal proceeding being brought against Wealthifi.com in consequence of your posting a comment.  For the avoidance of doubt, the indemnity you give to WealthiFi.com is effective in respect of any and all possible causes of action that may result from any breach of these Terms of Use, the Comments Policy and /or the applicable law.

We referred in our introduction to personal responsibility and so we expect you to act responsibly in posting comments. You agree, through use of this service, not to post any material which :

Violates the criminal law;

Promotes or encourages illegal activity;

Is defamatory, invasive of privacy, abusive, harassing, threatening, profane,  violent, sexually explicit, or otherwise violates the rights of others;

May prejudice ongoing civil or criminal proceedings, violate the sub judice rule or may otherwise amount to a contempt of court;

Infringes the copyright, patent, trademark, trade secret, database right, right of privacy or publicity or other proprietary or intellectual property right of any party;

Includes any spam, unauthorized advertising or any other form of commercial publicity;

Is irrelevant, repetitive or imposes an unreasonable or disproportionately large load on the site servers, bandwidth or infrastructure;

Falsely claims to be sponsored or endorsed by WealthiFi.com; or

Contains any virus, Trojan horse, worm or similar harmful and/or disruptive material.

Due to the real-time nature of the website, WealthiFi.com cannot and is not required to review the contents of posted comments, nor does it confirm the validity of information submitted.  WealthiFi.com hereby notifies you that it does not actively monitor users’ comments and, as such, is not responsible for and gives no warranty or representation in relation to users’ comments. Users are encouraged to bring any comment they deem offensive to the attention of the team by sending an email to info@wealthifi.com identifying the specific material that they consider is objectionable.

Whilst we do not monitor comments we reserve the right to take down material that comes to our attention via a complaint or otherwise. Commenters who repeatedly flout our Comments Policy or these Terms of Use will be barred from joining discussions on wealthiFi.com. You will not necessarily be notified when comments are removed. WealthiFi.com will not enter into any correspondence with or about users who have been barred.

WealthiFi.com reserves the right to immediately ban a user if there has been a serious breach of the Comments Policy or these Terms of Use. All decisions in relation to these matters are carried out at the sole discretion of WealthiFi.com.

WealthiFi.com reserves the right to reveal your identity (or whatever information it knows about you) in the event of a complaint or legal action arising from any message posted by you.

By posting any material on WealthiFi.com you grant us a licence to use, modify, publicly perform. Publicly display, reproduce, and distribute such material. The licence you grant is non-exclusive, royalty free and fully paid, sub-licensable, and worldwide. You also waive to the fullest extent permissible by law any moral rights in such material. You are responsible for making sure that you have all the rights to what you post, including the rights necessary for you to grant the licence above.

By posting any material on WealthiFi.com you represent and warrant that: (i) you own the material posted by you or otherwise have the right to grant the licence above, and (ii) the posting of the material does not violate the privacy rights, contract rights or any other rights of any person. You agree to pay for all royalties, fees or any other monies owing any person by reason of any material posted by you.

(iii) Capacity

WealthiFi.com is not directed at children younger than 13 and therefore children under the age of 13 are not permitted to view this site. We cannot guarantee that all the content on the site will be suitable for minors.

You are only permitted to register as a user of this site and post comments if you are aged 18 or over. If you aged 13 years or over but under the age of 18 you must obtain the consent of a parent or legal guardian before registering as a user of WealthiFi.com. Any person who registers represents that they are 18 years of age or older or that they are 13 years or over and have obtained the consent of a parent or legal guardian.

WealthiFi.com cannot and is not required to verify the age of users on the site. WealthiFi.com hereby notifies you that by posting a comment on the website you hereby undertake that you are oover the age of 18 or that you are 13 years or over and have onbtained consent of parent or legal guardian each time you post a comment.

If you are using WealthiFi.com as a representative of a company or other entity, you represent that you have the authority to enter into these Terms of Use on behalf of that company or entity, and agree that the terms “you” and “your” in this agreement refers to your company or other entity.

 

Intellectual Property

All intellectual property rights in the website design. text, graphics, the selection and arrangement thereof and all software vest in QFT Advise Ltd. Unless therwise indicated. QFT Advise reserves all of its rights.

You acknowledge that all trade marks, trade names, service marks, rights(registered or unregistered) in any designs, applications for any of the foregoing: trade or business names; innovations, inventions whether or not capable of protection by patent or registration, registered design and topography rights; know-how, including data specifications, drawings and instructions; secret formulae and processes; rights protecting goodwill and reputation; database rights and rights under licences and consents in relation to such things, rights in the nature of unfair competition rights, and rights to sue for passing off and all rights or forms of protection of a similar nature to any of the foregoing or having equivalent effect anywhere in the world and all copyright, trade marks and other intellectual property rights in and relating to WealthiFi.com and are solely owned by QFT Advise Ltd.

You may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, in whole or in part, the material at WealthiFi.com without our written permission.

Copyright Policy

We respect the copyright of others

We strive to credit sources and data where relevant

We do not provide links to websites which object

Our policy is to respect the copyright of others and we strive to credit sources where relevant. While copyright does subsist in ideas and in principle there is no copyright in the ‘news” copyright may subsist in the form in which it is expressed in particular articles. If you believe that any material published in this website infringes copyright, please report it to info@wealthifi.com identifying the specific material that is claimed to be infringing and providing sufficient information to permit us to contact the complaining party.

We do  not provide links to sources and publication who object to such linking. If you have an objection to a link to your website, please notify us to info@wealthifi.com identifying the specific material, the link and providing sufficient information to permit us to contact the complaining party.

 

Site Searching, Indexing and Screen scraping

You agree not to modify, adapt, translate, or reverse engineer any portion of WealthiFi.com nor to use any robot, spider, site search/retrieval application, or other device to retrieve, index or screenscrape any portion of the site, except as expressly authorized in writing by us. You agree not to format or frame any portion of the site. You agree to respect and follow the restrictions imposed by WealthiFi.com.

Your Feedback

From time to time users contact us with feedback and suggestions about WealthiFi.com and how to improve the site and services we offer.. We welcome your input, and the following terms ensure that we can use your contributions to improve the site.

You do not have to submit anything to us about WealthiFi.com but if you do you acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or any other submissions to us which may improve our products, services, or offerings shall become our property unless otherwise agreed by us.

By making a submission to us about WealthiFi.com you grant a non-exclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sublicensable, fully paid up and royalty free right to us to copy, publish, remove, retain, add, and use and commercialise, in any way now known or in the future xdiscovered, anything that you submit to us, without any further consent, notice and/or compensation to you or to any third parties.

If you do not want to grant us the rights set out above, please do not make submissions to us about Wealthifi.com

 

Defamatory Content

We abide by the Code of Practice of the Press Council of Ireland and the Code of Practice of the United Kingdom Press Complaints Commission.

WealthiFi.com operates on a “notice and takedown” basis. If you believe that any content on WealthiFi.com contains a defamatory statement, please notify us immediately by sending an e-mail to info@wealthifi.com. Once this notification has been received WealthiFi.com will make all reasonable endeavours to remove the defamatory content complained about within a reasonable time.

 

Disclaimer and Waiver

We do not give any warranty or make any representation as to the accuracy or completeness of the information contained on this site. Material posted on the site is not intended to amount to advice on which reliance could be claimed. We therefore disclaim all liability and responsibility arising from any reliance placed on such material by any user, or by anyone who may be informed of any of its contents.

Although rigorous protocols are applied to the website we do not warrant that the website is free from infection by viruses or anything else that has contaminated or disruptive properties.

Under no circumstances shall we be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond our reasonable control, including, without limitation, Internet failures, computer hardware failures, telecoms failures, other equipment failures, power cuts, labour disputes, riots, insurrections, civil disturbances, fires, floods, storms, explosions acts of God, war, government action, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in electricity or other utility supply.

Under no conditions and in no event shall we be liable for any direct or indirect, incidental,  consequential, special or exemplary damages or loss howsoever arising, (including but not limited to negligence or breach of these Terms of Use or otherwise) or for any loss of data, profit, revenue, goodwill or business howsoever caused even if that loss or damage was forseeable by us, or the possibility of it was brought to our attention.

You acknowledge that your use of WealthiFi.com including any material downloaded or otherwise obtained through the site is at your own discretion and risk and you agree to waive to the fullest extent permissible by law any right to bring any claim or action against QFT Advise Ltd, our investors, successors, subsidiaries, affiliates, co-branders, contractors, employees, servants, contributors, third-party advertisers, technology providers, data partners, service providers or other partners, and each of their respective officers, directors, agents, shareholders, employees and representatives, for any loss, damage, costs or injury arising from such use.

 

Links to Other Websites

WealthiFi.com contains links to websites operated by third parties over which we have no control. These links are provided for your convenience only and do not amount to an endorsement or recommendation of those sites. WealthiFi.com does not exercise any control or supervision over the content of these linked sites. WealthiFi.com is not responsible for the content or accuracy or for the opinions expressed in these third party websites and these websites are not investigated, monitored or checked for accuracy or completeness by WealthiFi.com.

We accept no liability in relation to those sites and  should you choose to access third party sites you do so at your own risk. Third party sites linked via WealthiFi.com are not covered covered by these Terms of Use. You should not assume that these third party websites willa bide by the same Privacy Policy to which WealthiFi.com adheres.

 

Links to WealthiFi.com

By linking to WealthiFi.com you hereby authorize WealthiFi.com to any website owned or controlled by you.

 

             13. Indemnity

You agree to indemnify, defend(at the request of QFT Advise Ltd) and hold harmless QFT Advise Ltd, our investors, successors, subsidiaries, affiliates, co-branders, data partners, contractors, employees, serants, contributors, technology providers, service providers or other partners, and each of their respective officers, directors, agents, shareholders, employees and representatives, from and against any claim, demand, loss, damage, cost, or liability including reasonable legal expenses, made or brought by any third party due to or arising out of:

Your use of WealthiFi.com or any part thereof;

The violation of these Terms of Use, our Privacy Policy, our Comments Policy and our Copyright Policy by you;

The infringement or misappropriation by you, or athird party using your computer, of any account or password to access and/or use WealthiFi.com; or

The infringement by you of any intellectual property rights.

 

Information Society Service Provider/Intermediary Service Provider

You agree and acknowledge that QFT Advise Ltd is an information society service provider and intermediary service provider, within the meaning of Directive 2000/31/EC as transposed into Irish Law by the European Communities(Directive 2000/31/EC) Regulations 2003(SI 68 of 2003) and that where it stores information provided by a recipient of the service – such as user comments – it is not liable for such information nor is it under an obligation to monitor such information.

 

Entire Agreement/No Waiver

These Terms of Use, our Privacy Statement, our Comments Policy and our Copyright Policy make up the entire agreement between you and QFT Advise Ltd and supersede any prior agreement. Any amendment to or waiver of this agreement must be in writing and signed by our authorized representatives. Failure to enforce any provision of this agreement shall not amount to a waiver of such provision.

 

Severability

If any of these Terms of Use is found to be void, invalid or unenforceable the remaining provisions will continue to be of full force and effect.

Governing Law

This agreement shall be governed by Irish law and you agree to the exclusive jurisdiction of the Irish courts in all matters regarding this agreement and your use of WealthiFi.com.

 

Availability of Service

We may at our sole discretion and at any time discontinue temporarily or permanently WealthiFi.com or any part thereof with or without notice.

You agree that any termination of access to the site under any provision of these Terms of Use may be effected without notice, and acknowledge and agree that we may immediately deactivate or delete your accountand all related information and files in your account and/or bar any further access to such files or the site.

WealthiFi.com may be temporarily unavailable from time to time for maintenance or other reasons. We accept no responsibility for any error, omission, interruption, deletion, defect, delay in transmission, communication line failure, theft or destruction or unauthorized access to, or alteration of user communications.

Where possible, we will use reasonable efforts to give users fair notice of technical difficulties or termination or suspension of their access to WealthiFi.com. However, you agree that we shall not be liable to you or any third party for any inability to access the site, termination or suspension of access to the site or modification of the service provided.

About QFT Advise Ltd

QFT Advise Ltd is an Irish incorporated company No.                and has its registered offices at 31 Seapoint Avenue, Monkstown, County Dublin, Republic of Ireland. Our VAT number is