Investment warning
The Site is not intended to be relied upon by you in making or not making any investment decisions. The Site is not personal to you and does not take account of your personal circumstances. I do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk. If in doubt please seek independent financial, tax or legal advice from a qualified, regulated individual in the jurisdiction where you reside.
The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested. Past performance cannot be relied upon as a guide to future performance.
If there are any financial instruments or similar covered on this website, I may be invested in some or all of them and I may have any form or number of conflict(s) of interest. I am under no obligation to disclose any such conflict of interest. Where I make the choice to voluntarily disclose a conflict of interest, I am under no obligation to update the information when this conflict of interest changes.
You acknowledge that your use and interpretation of the Site requires skill and judgment for which you shall be solely responsible.
You further acknowledge that you shall be solely responsible for all opinions, forecasts, recommendations and other comments made or action taken by you based wholly or partly on the Site.
Rights in this Site
You may download extracts of any page(s) from the Site for your personal reference, provided that such materials are attributed to vfcapitalmanagement.com.
You may print off one copy of the Site for your personal reference, provided that such materials are attributed to vfcapitalmanagement.com
You must not use any part of the materials offered through the Site for commercial purposes.
You may not otherwise copy the Site to any third party.
If you print off, copy or download any part of the Site in breach of these Terms, your right to use the Site will cease immediately (and you must, at my option, return or destroy any copies of the materials you have made).
The Site may not be reproduced, copied, downloaded, used, linked to, or exploited in any way except as specifically provided and permitted by these Terms or as expressly agreed in writing by me.
My right to reject orders
From time to time, I may reject an order for any of the following reasons:
- If, unfortunately, I do not have your chosen service in stock.
- Where I cannot obtain authorization for your payment.
- If there has been a relevant pricing or service description error.
- If your order otherwise breaches any of the requirements of these Terms.
- If I suspect that the order has been placed fraudulently.
- If it appears that the order mistakenly duplicates another order.
- If I have any other concerns that accepting your order would be to the detriment of this Site or myself.
If your order is rejected, I will contact you to confirm this and reverse the payment you have made for that order.
Note that I may bar or prevent an individual account, user, email address or other identifier from making purchases or otherwise interacting with me where I reasonably suspect an association with fraud or other infringements of the law or breach of these Terms or because of any other aspect that I deem to be to the disadvantage of this Site or myself.
Refunds
The Site offers refunds under the following conditions:
- The product vastly differs from the product description.
- I may agree to a refund at my discretion, based on your emailing me the reason for asking for a refund
- If our actively managed portfolio has a negative performance for two consecutive years after your initial subscription. This policy is not applicable if you used a coupon code upon checkout.
Outside of these cases, no refunds are possible.
Membership Terms
Welcome to the Membership terms, please read these terms carefully as they will set out the terms for your Membership.
This is an instant access service. By purchasing a Membership you agree your access will start immediately.
Memberships are limited to the delivery of information in electronic form, i.e. they do not entitle you to receive any hardcopies.
How can you sign up for a Membership?
To sign up for a Membership, visit our website and select which one of the available packs or offers best suits your needs.
You must be 18 or older and have the power to enter into a contract with me and are not prevented from doing so under any local laws.
By registering for a Membership, you agree that you have provided accurate registration details, including payment information and will ensure to keep your contact information up to date.
How long is your Membership?
Your Membership will start immediately upon payment. The terms that govern your minimum and continuing Membership will vary depending on which Membership pack you chose under the offer advertised.
Your minimum Membership term will be made known to you before you agree to purchase your Membership and will be confirmed to you in your welcome email. Please note that your Membership auto-renews at the end of the Membership period, provided you have not given at least 15 days’ cancellation notice in line with our cancellation terms.
What happens if you default on payment?
If you default on any payment, I may:
- terminate your Membership;
- charge you for any outstanding amount remaining on the unexpired portion of your minimum Membership term (subject to your Membership and/or offer terms);
- send your details to third party debt collectors; and/or
- take any action which is necessary in my opinion to recover my losses.
If your Membership has been terminated and you would like to re-subscribe to one of my Membership packs, I have the right to require payment in full of any outstanding amount owed to me.
Cancellation Terms
How can you cancel your Membership?
You can cancel your Membership by emailing me or unsubscribing under “manage subscriptions”, which you will find in the premium area (must be logged in).
What information do you need to cancel?
When cancelling your Membership, please have the following information ready:
- That you would like to cancel your Membership and stating that this is a notice of cancellation;
- Which Membership pack you would like to cancel;
- When you subscribed; and
- Your name and email address.
Can you get a refund when you cancel?
When you sign up to a Membership service which is available in electronic form only, you request me to begin the supply of digital content to you. You acknowledge and agree that your initial payment is for the supply of digital content for the entirety of any applicable trial period and that you will not be entitled to receive a refund of your initial payment.
If the Site is closed permanently, I will refund you for services that were already paid for but which have not yet been delivered.
Anything else you should know
If you would like to cancel, you can do so by following the cancellation instructions above. However, you must email me at least 15 days before your next invoice date, otherwise you will be required to make your next invoice payment and your Membership will continue until the end of the next invoicing period.