Terms and Conditions

General

These are the terms and conditions which apply to your subscription to Minerva Report (both free and paid, online and hard copy) and your use of the websites provided by Minerva Fund Managers Limited, including the Minerva Fund Managers website, discussion groups and other public forums (the "Services"). By using or purchasing our Services you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and Minerva Fund Managers Limited (the "Agreement"). We may change these Terms from time to time. Please check these Terms regularly as any changes are effective immediately upon posting to the Site. Your continued use of the Services after posting will be deemed acceptance of the changes.

FCA Regulation

The websites have been created by Minerva Fund Managers Limited, Kelston View, Corston, Bath, BA2 9AH. Minerva Fund Managers Limited are authorised and regulated by the Financial Conduct Authority. The invitations on the website to receive the Minerva Report or Minerva Ratings have been approved by Minerva Fund Managers Limited. The Minerva Ratings service is not regulated under the Financial Services and Marketing Act 2000. Minerva Fund Managers Limited does not give individual investment advice.

Minerva Fund Managers Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 147603 – for more information see http://www.fsa.gov.uk/register/home.do ).
Only those products which are regulated by the FCA fall within the scope of the Financial Ombudsman Service and the Financial Services Compensation Scheme. In the event of our insolvency, you may be entitled to compensation from the Financial Services Compensation Scheme in relation to money we owe you in respect of the provision of our regulated services (for more information see http://www.fscs.org.uk ).

The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We 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 you need guidance as to how to interpret our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it. Collective Investments are intended as a long-term investment, because these investments can go down in value as well as up, you may not get back the full amount invested. These investments are not suitable for everyone. If you have any doubt whether they are suitable for you, you should obtain expert advice. The past is not necessarily a guide to future performance. Remember, never invest more than you can afford to spare.

Paid-for services

All prices quoted are inclusive of applicable taxes and delivery costs. If you take out an annual subscription you will not have the option to receive any refund if you chose to cancel your subscription before the annual renewal date. Free trials and special first year price offers are only available to those who have not previously subscribed and are limited to one subscription per household.

If you wish to have access to subscriber-only services and unrestricted access to the subscriber-only content of the website, you will need to subscribe with us. When you subscribe you will be required to provide certain personal information. That information must be true, accurate, correct and complete, and you must notify us immediately of any changes to that information. If you post comments you will be required to provide us with your email address. You agree that you will not impersonate any other person or entity or use a false name or a name that you are not authorised to use. You also agree not to disclose your password or user name to any other person, or allow your password or user name to be used by any other person to access the Services. We reserve the right to decline any application from you to subscribe as a user of the Services. If you are accepted you will be able to choose a user name and password. If you are allowed to select a user name, we reserve the right to modify it or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.

We reserve the right to terminate your access to the Services (including subscription services) if any information you provide is untrue, inaccurate, out-of-date or incomplete, or if we believe that you have breached these terms and conditions.

We are entitled to terminate your paid or unpaid subscriptions at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription we will refund the unused portion of your subscription fee.

Minerva Fund Managers is committed to safeguarding the personal information which you may provide to Minerva Fund Managers through this site and to the extent that Minerva Fund Managers collects any personal information, Minerva Fund Managers will hold it in confidence in accordance with the Data Protection Act 1998.

You may be asked to voluntarily provide certain personal information details about you such as your name, address, telephone number, email address details and other information in connection with Minerva Fund Managers’ customer registration procedures. Minerva Fund Managers will use this information for the administration and servicing of your use of Services and to ensure compliance with its obligations under the UK regulatory regime. Minerva Fund Managers may disclose the information to its agents and service providers.

Please note that by submitting personal information you are consenting to such information being processed for the purposes referred to above. You agree that Minerva Fund Managers has the right to use and store such data on its internal systems and to transfer it to its associated companies (if applicable), for the purpose of providing services to you.

Copyright and trade marks

Copyright in all information is owned by Minerva Fund Managers Limited. Provided that you acknowledge Minerva Fund Managers Limited as the source of the information, you are entitled to save or download one copy of any of the Minerva Fund Managers content for the purposes of reference, but you are not entitled to make any further copies of the work. All property rights remain with Minerva Fund Managers Limited. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of the Minerva Fund Managers Content without the prior written permission of Minerva Fund Managers Limited.

Reliance on content

The Information (including any expression of opinion or forecast) has been obtained from, or is based on, sources believed by Minerva Fund Managers to be reliable, but is not guaranteed as to its accuracy or completeness and should not be relied upon. The Information is provided without obligation on the part of Minerva Fund Managers and on the understanding that any person who acts upon it or changes his investment position in reliance on it does so entirely at his own risk. The Information does not constitute an offer to buy or sell or an invitation to make an offer to buy or sell shares/units in any investment funds referred to therein. Information in our unregulated

Services is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our unregulated Services is up to date and accurate, but we do not guarantee the accuracy and currency of the information.

We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, on rare occasions access they may be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.

Publishing your views on our websites

Minerva Fund Managers Limited may provide websites which contain discussion groups, bulletin boards and other public areas which allow users to publish their views (the "Public Areas"). If you wish to post messages to the Public Areas you may only do so in accordance with these terms and conditions.

Message rules

You agree:

  1. to use the Public Areas in accordance with all relevant laws and not for any illegal purpose;
  2. not to post, link to or publish any messages on the Public Areas which:
    1. contain software viruses, files or code designed to interrupt, destroy or limit the functionality of the Services or any computer software or equipment or collect or store other users' personal data;
    2. impersonate any person or entity or misrepresent any affiliation with any person or entity;
    3. are defamatory, offensive, inflammatory, hateful or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;
    4. violate or infringe the rights of any person, firm or company, including, but not limited to, rights of intellectual property, contractual rights, rights of confidentiality or rights of privacy;
    5. promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age, or advocate, promote or incite any third party to commit or assist any unlawful or criminal act; or
    6. contain any form of advertising or promotion for goods and services or any chain messages or "spam";
  3. not to use the Public Areas in a way that may cause them or the Services to be interrupted, damaged, rendered less efficient or which impairs their effectiveness or functionality; and
  4. not to attempt any unauthorised access to any part or component of the Services.

Liability

You are responsible for the content of your messages and you are liable for activities conducted by you, or by others authorised by you, or otherwise acting on your behalf. By submitting messages to a Public Area you agree to indemnify us against all claims, costs and expenses (including reasonable legal and administrative expenses) arising out of any such messages.
The Public Areas contain messages submitted by users over whom we have no control. We cannot guarantee the accuracy, integrity or quality of these messages. Some users may breach these terms and conditions and post messages that are misleading, untrue or offensive. You bear all risk associated with your use of the Public Areas and you should not rely on messages in making (or not making) any specific investment or other decision. In the event that you have any right, claim or action against any users arising out of that user's use of the Public Areas, then you will pursue such right, claim or action independently of, and without recourse to us.
We expressly exclude our liability for any loss or damage arising from the use of the Public Areas by any person in contravention of these terms and conditions.

Copyright

By submitting messages to Public Areas you are granting us a worldwide perpetual, royalty-free, non-exclusive license to reproduce, modify, translate, make available, distribute and sub-license the message in whole or in part and in any form. This may include personal information such as your user name and alias and your expressions of opinion. It is not possible for us to fully and effectively monitor when messages infringe the copyright of a third party or other third party rights. If you believe that a message infringes any legal rights that you may have, you should notify us immediately with specific details by contacting us.

Monitoring

While we do not control the messages posted to Public Areas by users, we reserve the right (which we may exercise at our sole discretion without notice) to delete, move or edit the messages and to terminate access to and use of the Public Areas. Users of the Public Areas waive any moral rights in regard to the messages.

Breach of these terms and conditions

We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Services.

No Liability

No representation, warranty or undertaking is given as to the accuracy or completeness of the Information by Minerva Fund Managers or any of its associated companies and no liability is accepted by such persons for the accuracy or completeness of such Information. In no event will Minerva Fund Managers or any of its associated companies be liable to any person for any direct, indirect, special or consequential damages arising out of any use of the Information, or on any other hyper-linked site, including, without limitation, any lost profits, business interruption, loss of programs or data on your equipment, or otherwise, even if Minerva Fund Managers is expressly advised of the possibility or likelihood of such damages. This does not exclude or restrict any duty or liability that Minerva Fund Managers has to its customers under the regulatory system in the United Kingdom.

You should be aware that the Internet is not a completely reliable transmission medium. Minerva Fund Managers does not accept any liability for any data transmission errors such as data loss or damage or alteration of any kind, including, but not limited to any direct, indirect or consequential damage, arising out of the use of the products or services referred to herein. This does not exclude or restrict any duty or liability that Minerva Fund Managers has to its customers under the regulatory system in the United Kingdom.

Other

The failure of Minerva Fund Managers Limited to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. The section titles in these terms and conditions are for convenience only and have no legal or contractual effect. This Agreement operates to the fullest extent permissible by law. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions.

Indemnity

You agree to indemnify, defend, and hold harmless Minerva Fund Managers, its affiliates and licensors, and the officers, directors, employees, and agents of Minerva Fund Managers and its affiliates and licensors, from and against any and all claims, liabilities, damages, losses, or expenses, including legal fees and costs, arising out of or in any way connected with your access to or use of this website and the Information.

This Agreement shall be governed by and construed in accordance with English law and you hereby agree to be subject to the exclusive jurisdiction of the courts of England.

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