Terms & Conditions

Welcome to www.ipsofactoinvestor.co.uk (“the Site”) of IpsoFacto investor.com Limited

USER AGREEMENT This Agreement sets out the terms and conditions relating to the online content that IpsoFacto investor.com Limited (“the Siteowner”) will provide to you (“the User”).

Please take time to read this Agreement carefully. By accessing www.iposfactoinvestor.co.uk (“the Site”) the User is agreeing to the terms and conditions below. If the User uses the Site in the course of business the User is also agreeing to these terms and conditions on behalf of that business. If the User does not agree with the terms and conditions (or the User is not authorised to do so) the User should not use the Site.

If the User has any questions they should contact the Siteowner at info@ipsofactoinvestor.co.uk.


Any investment advice or research material on the Site has been prepared for persons in the United Kingdom and is not intended for use or distribution outside the United Kingdom.

This material is not directed at you if the Siteowner is prohibited or restricted by any legislation or regulation in any jurisdiction from making it available to you and in particular is not directed at persons in the United States or Canada.

The investment advice and information contained in the Site does not take account of the User’s individual circumstances and level of risk appetite. We cannot therefore provide advice that is tailored to individual circumstances nor can we answer questions thereon. We can, however, answer questions about the content of the Site and questions of a general investment nature. This Site may not be suitable for all investors. If you are in any doubt as to whether the advice is suitable for you, you should consult an Independent Financial Adviser. In general investing in shares (equities) should be considered a long term investment and unsuitable for you if you wish to realise your investment within five years.

Neither the Siteowner nor any of its directors, officers, employees or agents shall have any liability, howsoever arising, for any error or incompleteness of fact or opinion in the material on the Site or lack of care in its preparation or publication, provided that this shall not exclude liability to the extent that this is impermissable under the law relating to financial services. All statements and opinions are made as of the date on the face of the relevant content and are not held out as applicable thereafter. Asset allocation and research recommendations are given in good faith but without legal responsibility and are subject to change without notice, although we will send out e-mails to subscribers where there are changes to our asset allocation advice or model portfolios.

Services and Fees

The User shall agree to pay any subscription fees (“Fees”) at rates in effect when the charges are incurred. The User must provide the Siteowner with complete and accurate payment information. The User can pay using a credit or debit card (via Stripe) or by setting up a standing order (or pay by BACS/cheque if so invited). By submitting credit or debit card details to the Siteowner the User warrants that they are entitled to purchase the Paid-for Content using those payment details. In the event of an unauthorised payment the Siteowner reserves the right to suspend or terminate the User’s access to the Site and Paid-for Content. If no payment authorisation is received or payment authorisation is subsequently cancelled, the Siteowner may immediately terminate or suspend access to any Paid-for Content and/or the Site. The Siteowner will try to process the User’s request for any Paid-for Content promptly but does not guarantee that the Paid-for Content will be available to the User by any specified time. A contract with the User for a Paid-for Content will come into effect when the Username and Password are issued to the User. The User having paid the Fee for a monthly subscription for the supply of Paid-for Content will have no right of cancellation for the supply of the Paid-for Content other than the right to cancel the next monthly subscription for Paid-for Content which may be done at any time without any notice period. This does not affect the User’s statutory rights.

Each user is only entitled to one two month free trial subscription.

Data Protection

By registering your details on the Site, you consent to the Siteowner maintaining, recording, holding and using your personal data solely in relation to the provision and use of this Site. The Siteowner shall at all times comply with the requirements of current data protection legislation.

Cookie Settings

Cookies are small pieces of information that are stored by your browser on your computer’s hard drive. They are widely used in order to make websites work, or work more efficiently. We use cookies to improve your customer experience on our website. Our cookies do not contain any personally identifying information, but they do enable us to relate your use of our site to information that you have specifically and knowingly provided to us.

Most browsers automatically accept cookies, but you can choose to change your cookie settings below. Please note this may prevent you from using parts of our websites.

By continuing to use our website you are agreeing for our website to:

  • Remember your log-in details
  • Make sure your logged in areas are secure
  • Make sure the website looks consistent
  • Allow you to share pages with social networks
  • Allow you to comment on blogs
  • Enable us to collect information about visitors to our site in an anonymous way – including the number of visitors to the site, where visitors have come to the site from and the pages they visited.
  • Store your email address – this is just so we can recognise you when you return to the website at a later date and tailor the website to show offers/content that is more relevant to you. The cookie purely stores your email address and nothing else.

More on Cookies

When someone visits our site we collect standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various parts of the site. We collect this information in a way which does not identify anyone. We do not make any attempt to find out the identities of those visiting our website. We will not associate any data gathered from this site with any personally identifying information from any source. If we do want to collect personally identifiable information through our website, we will be up front about this. We will make it clear when we collect personal information and will explain what we intend to do with it.

The table below explains the cookies we use and why:

 Cookie  Name  Purpose  More information
Google Analytics  _utma These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited. Click here for an overview of privacy at Google

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit the BBC website.

To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.

YouTube Cookies

We embed a video using YouTube’s privacy-enhanced mode. This mode may set cookies on your computer once you click on the YouTube video player, but YouTube will not store personally-identifiable cookie information for playbacks of embedded videos using the privacy-enhanced mode. To find out more please visit YouTube’s embedding videos information page.

Search Engine

The search engine on our website is designed to be as powerful and easy to use as the popular search engine Google. The search is made possible by a piece of hardware (a search ‘appliance’) supplied by Google that is plugged into our server and continuously indexes the content on our site. All search requests are handled by the appliance and the information is not passed on to any third party, including Google.


‘Targeting’ cookies are linked to services provided by third parties, such as ‘Like’ buttons and ‘Share’ buttons. The third party provides these services in return for recognising that you have visited our website.

Targeting cookies are used to link to social networks like Facebook, who may subsequently use information about your visit to target advertising to you on other websites Provide advertising agencies with information on your visit so that they can present you with adverts that you may be interested in.

You can control whether or not these cookies are used, but preventing them may stop us from offering you some services. All of these cookies are managed by third parties, and you may alternatively use the third parties’ own tools to prevent these cookies.

Complaints Procedure

If you have any complaints about investment advice presented in this site, please write to Compliance at the company address. If you are unhappy with our response to your complaint you may complain directly to the Financial Ombudsman Service.

Registration, Passwords and Privacy

The use of the Site signifies the User’s consent to the Siteowner collecting and using personal information about the User in accordance with the Siteowner’s Privacy Policy. The User can read the Privacy Policy at Privacy. If the User wishes to access the Paid-for Content the User will be asked to provide the Siteowner with accurate, complete registration information, including contact details, and it is the User’s responsibility to update and maintain this information. The Siteowner is entitled to rely on this information to provide Paid-for Content. The User will also be requested to create a Password in a format specified by the Siteowner (“the Password”). The User shall not disclose the Password to any other person or entity and shall ensure that the Password remains confidential at all times. In the event that the User knows or has a reasonable suspicion that a third party knows the User’s Password, the User shall notify the Siteowner immediately by contacting the Siteowner at info@ipsofactoinvestor.co.uk. If the Siteowner has reasonable grounds for believing that the User has misused or is misusing the Password, the Siteowner may require the User to change the Password or may suspend the User’s use of the access to the Site, including Paid-for Content, until such time as the Siteowner is satisfied that the security of the Site is no longer compromised by the User’s activities.

Limitations on Use of the Site

All content and services provided by the Siteowner belongs to the Siteowner. The Siteowner owns all the intellectual property rights in the content and services. The content and services provided are solely for the personal use of the User and the User shall not sub-license, distribute, sell, supply, modify, adapt, amend, incorporate, merge, or otherwise alter any content or service provided under this Agreement. The User shall not remove or replicate any logo, copyright or proprietary notices, legends, symbols, labels, watermarks, signatures or any other like marks affixed to or embedded in the content or services. The User shall not carry out any act or omission or permit any act or omission to take place that infringes or is likely to infringe any intellectual property rights owned or used by the Siteowner or otherwise relating to the Site.

Third Party Sites

From time to time the Siteowner may make available to the User links from the Site to other websites. These sites are not in any way approved, checked, edited, vetted or endorsed by the Siteowner and the User agrees that the Siteowner shall not be responsible or liable in any way for the content, advertising or products available from such sites, the quality, functionality, suitability or legality of such sites or for any dealings that the User may have, or the consequences of such dealings, with such third party site operators. Any arrangements made between the User and any third party named on the Siteowner’s Site are at the User’s sole risk and responsibility and the Siteowner expressly disclaims any liability for third party information or opinions posted on this Site or any linked Sites that arises under criminal or civil laws relating to defamation, intellectual property, infringement, privacy, obscenity, or any other area of law.

Proper Law and Jurisdiction

This Agreement and all matters arising from it shall be governed by and construed according to the laws of England and Wales and shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Entire Agreement

This Agreement supersedes all prior agreements, arrangements and undertakings and constitutes the entire agreement relating to the subject matter of this Agreement. The User confirms that they have not entered into this Agreement on the basis of any representation that is not expressly incorporated into this Agreement.