Terms & Conditions

Our terms and conditions cover the following:

Legal information
Disclaimer
Risks of investing
Fund library data
Privacy Policy
Personal data
Use of your personal data
What we collect when you register
What we do with the information we gather
Posting comments on our site
House Rules
Security
Links to other sites
Controlling your personal information
Use of Cookies

Please ensure you have read and agree to them before registering.

Legal Information

You must read the following information before proceeding with registration. It provides information on some of the laws and regulations applicable to this web site.

Worldwise Investor is a trading name of Holden & Partners. The information on this Site is issued and approved by Holden & Partners (authorised and regulated by the Financial Services Authority of Unit 8, 4th Floor, The Piano Works, 117 Farringdon Road, London, EC1R 3BX) who provide investment services.

Where access to any part of this web site is restricted or requires possession of a valid password, no other person should attempt to gain access to such part of the website.

Worldwise Investor believes that the information which may be viewed on this website is accurate as at the date of publication, but we do not guarantee the accuracy or currentness of the data and we disclaim all representations and warranties of any kind, whether express or implied, including without limitation, warranties of merchantability, fitness for particular purposes, title and non-infringement. Furthermore, the information may be amended by us at any time without notice.

By proceeding you agree to the exclusion by us, so far as this is permitted under the provisions of the UK financial services and markets act (or any replacement legislation insofar as such legislation permits such a statement to be made) and the applicable UK regulatory system, of any liability for any direct, indirect, punitive, consequential, incidental, special or other damages, including without limitation, loss of profits, revenue or data arising out of or relating to your use of and our provision of this site and content regardless of the form of action, whether based on contract, tort (negligence), warranty, statute or otherwise, and regardless of whether we have been advised of the possibility of such damages. If you are dissatisfied with any portion of this site, or of this important information, your sole and exclusive remedy is to discontinue use of this site.

If you are unsure about the meaning of any information provided on this web site, then please consult your financial or other professional adviser. We do not offer investment advice.

Otherwise than as specifically set out, the information on this web site must in no circumstances be copied, reproduced or redistributed in whole or in part. You may download or print copies of some of the documentation contained on this web site for your own private use only, provided that you do not change any copyright, trademark or other proprietary notices. All intellectual and other property information contained in this web site shall continue to be held by us and no rights of any kind in it shall pass to you.

This web site may contain or be linked to advice or statements of third parties. We make no representation as to the accuracy, completeness, timeliness or suitability of such information, and we have not and will not review or update such information and caution you that any use made of such information is at your own risk. Some of the information contained on this web site may also have been prepared or provided by third parties and may not have been verified by Worldwise Investor. Worldwise Investor hereby excludes any liability arising out of any preparation or provision of such information for the web site and makes no warranty as to the accuracy, suitability or completeness of any such information.

This Important Legal Information may be updated from time to time. You will be advised within this site of the last date on which any updates have been made. If you choose to bookmark pages within the web site for future use, you agree that it is your responsibility to check if any such updates have been made since you last visited this web site.

This web site is governed by the laws of England.

Disclaimer

All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Such content shall not constitute any form of advice or recommendation by us. Unless otherwise stated, this site is directed only at, and the services provided through this site are only available to, persons in the United Kingdom. Persons outside the United Kingdom should not use or rely upon any content or services provided through this site.

The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested.

Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice.

Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful.

If you are unsure about the suitability of an investment please contact Holden & Partners for advice.

Peter R T Holden and Partners LLC is authorised and regulated by the Financial Services Authority.

Risks of investing

This website is not intended to provide investment advice; such matters should be discussed with your advisors and/or counsel. Any information on this web site does not constitute an invitation or offer to buy or sell any investment or to enter into any agreement and are not intended to provide a basis on which to make an investment decision. This web site does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients.

Please remember that past performance of an investment is not a guide to future performance. The value of an investment and the income from it can fall as well as rise as a result of market and currency fluctuations and you may not get back the amount originally invested. It is therefore important that you understand the risks:

• The information on this website is not advice, it is provided solely to enable you to make your own investment decisions. The investments and/or investment services referred to may not be suitable for all investors. If you are unsure of the suitability of any investment, you should contact your financial practitioners for advice.
• Unlike cash, stock market based investments are not guaranteed and fall in value as well as rise, we therefore believe you should only invest for the long term (5+ years). Ultimately you could get back less than you invest. Any yields will vary over time so income is variable and not guaranteed.
• Cancellation rights may not be available. The investments featured do not provide capital guarantees like a deposit account and are not readily accessible.
• Past performance should not be seen as an indication of future performance. Exchange rate fluctuations may have an adverse effect on the value of non-UK shares.
• Tax assumptions may change if the law changes, and the value of tax relief (if any) will depend upon your individual circumstances. Investors should consult their own tax advisers in order to understand any applicable tax consequences.

Fund library data

Data used in our fund library is taken from FE. The data may be subject to a delay between 24-72 hours when shown on our site. You can read more about FE data feeds on their website.

Privacy Policy

We take the privacy of our users very seriously and we are concerned to protect your personal data. We believe it is important that you know how we treat the information about you that we receive through this web site. Therefore we will only use your personal information as set out in this Privacy Policy. If you have any questions in relation to the information we hold about you or our use of that information, please feel free to contact us.

Personal Data

In general, you may visit this web site without revealing any information about yourself. Our servers collect the domain names of visitors and this data is only held for the period you are logged onto the web site. This information is anonymous and we aggregate it to measure the use of and to improve the content of our web site. We will, however, retain and use all personal information (for example name, e-mail address and postal address) that you provide to Worldwise Investor via this web site.

Use of Your Personal Data

We will use the personal data which you provide to us on the web site via our registration process to keep you informed (via e-mail and other methods of contact) about our services and those of our sponsors which may be of interest to you.

This privacy policy sets out how Worldwise Investor uses and protects any information that you give Worldwise Investor when you use this website. Worldwise Investor is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement. Worldwise Investor may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from September 2011.

What we collect when you register

We may collect the following information:

• name
• username
• password
• email address
• your chosen themes

We may also track how you have used the site to help us improve our service:

• filter usage
• pages viewed

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

• Internal record keeping
• We may use the information to improve our service

If you have chosen to receive email communication, we may periodically send emails about information which we think you may find interesting using the email address which you have provided.

From time to time, we may also use your information to contact you for market research purposes. We may contact you by email or phone. We may use the information to customise the website according to your interests. If you wish to unsubscribe from receiving emails, please email info@worldwiseinvestor.com with to ask us to remove you from our email list.

Posting comments on our site

Registered users may post comments on our site. These comments will be post-moderated which means all comments are published then checked afterwards. You must follow our house rules when posting on our site. If you do not follow our house rules your post will be removed.

House Rules

We've established the following House Rules so that everyone can get the most out of the Worldwise Investor news and blogs.

Please note that these rules apply to rich media submissions such as images, video and audio clips.

User names may be failed if they:

• Contain website or email addresses
• Contain contact information (i.e. phone numbers, postcodes, etc.)
• Appear to impersonate someone else
• Contain swear words or are otherwise objectionable

We reserve the right to fail comments which:

• Are considered likely to disrupt, provoke, attack or offend others
• Are racist, sexist, homophobic, sexually explicit, abusive or otherwise objectionable
• Contain swear words or other language likely to offend
• Break the law or condone or encourage unlawful activity. This includes breach of copyright, defamation and contempt of court
• Advertise products or services for profit or gain
• Are seen to impersonate someone else
• Include contact details such as phone numbers, postal or email addresses
• Are written in anything other than English - Welsh and Gaelic may be used where expressly stated
• Contain links to other websites which break our Editorial Guidelines
• Describe or encourage activities which could endanger the safety or well-being of others
• Are considered to be "spam", that is posts containing the same, or similar, content posted multiple times
• Are considered to be off-topic
• Are considered to provide investment advice

If you have any questions about how we moderate comments please email info@worldwiseinvestor.com

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.

If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at info@worldwiseinvestor.com

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. If you would like a copy of the information held on you please write to Worldwise Investor, c/o Holden & Partners, 117 Farringdon Road, London, EC1R 3BX.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.

Use of Cookies

A cookie is a small amount of data which is transferred to your browser by a webserver. We may use cookies to track your visits to this Site.

Worldwise Investor currently uses cookies only to provide site usage statistics (e.g. how many people have viewed a particular page, what kind of browsers are visitors using etc.). These cookies are provided by Google Analytics and are session-specific, meaning that they disappear once your visit to the site has ended. We do not use cookies to capture or store any other personal information. Visit their site to find out more about Google's privacy policy and how to block their cookies.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This should not prevent you from making full use of the website.

Further Information

Please note that we may change this Privacy Policy or Important Legal Information from time to time so please check it regularly.

You have the right, at any time, to access and correct your personal information and privacy preferences or request to be removed from our mailing lists by writing to us at Unit 8, 4th Floor, The Piano Works, 117 Farringdon Road, London, EC1R 3BX.

This web site may contain links to other sites. We are not responsible for the content or privacy practices of those other sites.

The value of ethical and green investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks of investing. Our aim is to provide you with the best information we can to help you make decisions about ethical and green investments. It is not to advise you on the suitability of an investment to your personal circumstances. Nothing written on the site should be considered personal advice, nor do Holden & Partners accept liability for any inaccurate information on the site. If you are unsure about the suitability of an ethical and green investment please contact Holden & Partners or your financial adviser.