Terms and Conditions

ISACO Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA firm reference number is 525147.

ISACO Ltd terms and conditions apply when you order goods and services from ISACO Ltd.

Before proceeding to order goods or services from ISACO Ltd, we ask that you read these terms and conditions carefully. If you find yourself unable to agree to these terms and conditions, then you must not order our goods and services. If however, you agree to them unconditionally, feel free to administer a purchase order.

Part A

1. General Information

"We" are ISACO Ltd (company number 4323012) and our head office is ISACO Ltd, ISACO House, 82 King Street, Manchester M2 4WQ (V.A.T No. 841 2221 70 & FCA FRN 525147); ISACO’s telephone number is (+44) 0800 170 7750, facsimile number (+44) 0870 757 8660, website www.ISACO.co.uk and email [email protected]

2. Formation of Contract

ISACO Ltd’s Terms and Conditions are the conditions that you are agreeing to be legally bound to. Set out below is a useful summary of the steps to follow in order to conclude a legally binding contract with ISACO Ltd:

Step 1: Provided that you agree unconditionally to these terms and conditions, proceed to place an order with us.

Step 2: On receiving notification of your order in writing or by supplying your credit card details, we will confirm the fee for service. On your acceptance of payment, a legally binding contract will have been formed between us. We reserve the right not to process your order and accordingly, we will notify you immediately if this is the case. These terms and conditions shall override any contrary terms and conditions published by us or appearing on our web site.

3. Data Protection Policy

ISACO Ltd is committed to protecting your privacy. ISACO Ltd’s data protection policy describes the ways in which we collect information from you when you use the service, and what we may use it for. The Data Protection policy can be viewed by clicking here.

Part B

1. Description and Pricing

Our products and services include the following:

UNREGULATED PRODUCTS

Liquid Millionaire (paperback) £9.97

REGULATED PRODUCTS

Please note: Shadow Investment is authorised and regulated by the Financial Conduct Authority. ISACO Ltd’s FCA firm reference number is 525147.

We are covered by the FSCS for our regulated business only. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

The information provided for 'Shadow Investment,' our personal investment service is ISACO Ltd’s research and it does not constitute financial advice. Any information should be considered in relation to specific circumstances. ISACO Ltd does not make personal recommendations of particular stocks or investment funds or any other security or any other investment of any kind.

Premium services

Shadow Investment

Shadow Investment is aimed at ISA and pension investors.

Fee for Service

For the first year of service, you pay ISACO a fee which contains an initial set up fee, a membership fee and a service fee. In years 2, 3, 4 and so on, you pay a service fee only.

The prices on products may fluctuate due to supply and demand and special offers. For the latest price on any product, call ISACO (+44) 0800 170 7750, facsimile (+44) 0870 757 8660 or email [email protected]

You will be notified in the event the product or service of your choice is unavailable. You also will be notified of any changes made to ISACO Ltd’s terms and conditions documented prior to purchase.

2. Delivery and Risk

In the case where goods are delivered to you by post, risk to the goods passes to you upon despatch.
In the case where goods are delivered to you via the Internet, risk to the goods passes to you upon the goods being dispatched via download.

3. Ownership of products and services

Ownership of goods and services remains with ISACO Ltd until such time as payment in cleared funds has been received.

4. Payment

Following the agreement of the purchase, you will make your purchase. Prices displayed in ISACO Ltd’s terms and conditions are inclusive of VAT. The agreement to purchase of ISACO Ltd’s goods such as Liquid Millionaire will include post and packaging costs.

Payment may be made by means of a cheque, a credit card, a debit card, a bank transfer or from your investment account. Please send cheques for the amount shown on your invoice to: ISACO Ltd, ISACO House, 82 King Street, Manchester M2 4WQ

Please note: Payment by credit card is subject to an additional 4% surcharge and payment by cheque is subject to an additional 1.5% administration charge. Please make cheques payable to: ISACO Ltd

5. Right to Withdraw

Contracts for the Shadow Investment service can be cancelled in accordance with the following:

During the first 14 days, if for any reason the service does not meet your expectations, simply ask for a refund and you will receive one.

If you make a claim outside the 14 day “full refund,” window, you will not be guaranteed to receive a refund.

How to cancel.

Simply contact ISACO Ltd by either mailing ISACO Ltd, ISACO House, 82 King Street, Manchester M2 4WQ or calling (+44) 0800 170 7750, faxing (+44) 0870 757 8660 or emailing [email protected]

These terms and conditions do not exclude our liability (if any) to you for personal injury or death resulting from our negligence, fraud or any matter which it would be illegal for us to exclude or to attempt to exclude. We are only liable to you for foreseeable losses which you suffer as a result of these terms and conditions by us. Our liability to you shall not in any circumstances include any losses that you may incur, including but not limited to lost data, lost profits or business interruption.

Part C

1. Complaints

We aim to provide you with quality products and services. However if you feel unhappy you must complain by emailing us at [email protected]

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsmen Service. We are covered by the FSCS for our regulated business only. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Tel. 0800 0234567. More information can be found at the Ombudsman web site www.financialombudsman.org.uk

2. Intellectual Property

The Copyright and all other Intellectual Property rights in all ISACO Ltd’s goods, products and services, including the www.ISACO.co.uk website and all material contained herein is the property of ISACO Ltd and/or its licensors. You may not use, reproduce or distribute the products or any content on this website other than for your personal use without our prior written permission.

3. Force Majeure Disclaimer

We shall not be liable to you for any delay or non-delivery of the Daily Market Update or The Big Picture emails, due to any event which is outside our reasonable control, including system failure, maintenance or repair, nor any consequential loss arising from such an event. We provide this website to you "as-is" and expressly and to the fullest extent permitted by law disclaim all warranties either express or implied with respect to the website including (without limitation) all warranties as to fitness for purpose and satisfactory quality. Though we do endeavour to ensure that all information contained upon this website is accurate we accept no liability for information which is inaccurate or incomplete.

4. General Disclaimer

The information provided here is based on ISACO Ltd’s research and it does not constitute financial advice. Any information should be considered in relation to specific circumstances. ISACO Ltd does not make personal recommendations for particular stocks or investment funds or any other security or any other investment of any kind.

If particular stocks or investment funds are mentioned, they are mentioned only for illustrative and educational purposes. ISACO Ltd offer non-advised sales. These refer to a situation where no personal recommendation is made and the client is left to decide how they wish to proceed.

Please note that we do not provide advice, and therefore, are not required to assess the suitability or appropriateness of investments that you choose. This means you do not benefit from the protection of the FCA’s rules on assessing suitability. If you have received a recommendation from your adviser they will be responsible for the suitability of the recommendation.

YOU SHOULD SEEK ADVICE FROM A REGISTERED FINANCIAL PROFESSIONAL PRIOR TO IMPLEMENTING ANY INVESTMENT PROGRAM OR FINANCIAL PLAN.

ISACO Ltd and its employees are not agents, brokers, stockbrokers, broker dealers or registered financial advisors. ISACO Ltd does not guarantee any results or investment returns based on the information in this (product/service). Past performance is no indication or guarantee of future results and the value of any investment you make can go down as well as up. ISACO Ltd does not accept any responsibility for loss occasioned to any person acting or refraining from acting as a result of information contained in this (product/service).

This (product/service) presents information and opinions believed to be reliable, but the accuracy cannot be guaranteed. ISACO Ltd is not responsible for any errors or omissions. All rights reserved. No part of this (product/service) may be reproduced, rerecorded stored in a retrieval system or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise without the prior written permission of ISACO Ltd. All copyrights reserved. ISACO Ltd is authorised and regulated by the Financial Conduct Authority (FCA 525147).

Important Information

The value of a fund and the income from it can go down as well as up so you may get back less than you invested. If your fund invests in overseas markets, changes in currency exchange rates may affect the value of your investment. If your fund invests in small and emerging markets, these can be more volatile than other, more developed, markets. Past performance is not a guide to future returns. Due to the greater possibility of default, an investment in corporate bonds is generally less secure than an investment in Government bonds. Default risk is based on the issuer's ability to make interest payments and to repay the loan at maturity. Default risk may therefore vary between different government issuers as well as between different corporate issuers.

5. Entire Agreement

These terms and conditions (and the documents referred to in them) constitute the entire agreement between the parties relating to the subject matter of these terms and conditions. Each of the parties agrees that it did not rely on and shall have no remedy in respect of, any statements, representation or warranty, whether oral or in writing, of any person, (whether or not a party to the contract between us) other than those expressly set out in these terms and conditions. Nothing in these terms and conditions shall limit or exclude any liability of any party for fraud.

6. Applicable Law

The agreement between us shall be subject to the laws of England and Wales, and the exclusive jurisdiction of the English Courts.

7. Severability

Notwithstanding that the whole or any part of any provision of these terms and conditions may prove to be illegal or unenforceable, the provisions of this agreement and the remainder of the provision in question shall remain in full force and effect.

All contractual terms will be written and supplied in English.