Terms and Conditions

These terms and conditions for The Money Cog Ltd. (“The Money Cog”, “we”, “us”, or “our”) should be read in conjunction with our Privacy & Cookies Policy.

By using our website, you are agreeing to be bound by all of these terms and conditions. We reserve the right to make changes to these terms and conditions. If any changes are made, we will announce it on our website and notify you by email if you have provided it to us.

Registration

If you are a registered member, you can change your password and update your personal information at any time. Also if you forget your password, please use the “Lost Your Password” link on the login page and we’ll send you a link to the email address associated with your username that will let you create a new one. If you require any further assistance or have any questions please contact us by sending an email to [email protected]

Terms of use

You agree to use The Money Cog website and any of its services for non-professional purposes only. 

You may not use the website to:

  • Violate any applicable laws, rules, or regulations including those of the Financial Conduct Authority, and the national or other securities exchanges.
  • Offer, sell or buy any security through the website.
  • Encourage behaviour that is a criminal offence, gives rise to civil liability, or is otherwise unlawful.
  • Transmit any content that is disruptive, uncivil, abusive, vulgar, obscene, hateful, fraudulent, threatening, unlawful, harassing, defamatory, discriminatory, or which discloses confidential, private, or personal matters concerning any person.
  • Collect or store personal data about other users or act in breach of data protection legislation.
  • Transmit any file that contains viruses, corrupted files, or any other contaminating or destructive features that may damage someone else’s computer or our systems.
  • Forge, mask or manipulate any headers, identifiers, domain names, or other data in order to disguise the origin of any content transmitted through or on our website.
  • Use any automated means, including without limitation, agents, robots, scripts, or spiders, to access, monitor, copy or harvest data from any part of our website.
  • Try to get around any protections, suspensions or terminations we put in place for the security and operation of our website.
  • Take any action that imposes an unreasonably or disproportionately large load on our infrastructure.
  • Take any action that damages or disrupts the functioning of our systems or services.

Unauthorised access to our website is a breach of these Terms and Conditions and a violation of the law. You agree not to access our websites by any means other than the interfaces we provide for use in accessing them.

You are responsible for all acts that occur through the use of your account and password. If you believe your password has been compromised, please change it immediately.

Transfer of information

Please note that any information you enter on our websites (such as when you register or purchase something from us) may be transferred outside the European Economic Area. By submitting your information to us, you expressly consent to this transfer. For more information please refer to our Privacy & Cookies Policy.

Our content

Unless otherwise stated, all content published on our website is property of The Money Cog and is protected by UK and international copyright laws. “Content” refers to any information, mode of expression, or other material and services found on our website. This includes software, articles, graphics, and any and all other features found on the website. Our content is intended for personal use only.

Articles published on our website is not regulated. Opinions provided in articles are those of the writer and not of The Money Cog. In fact, their opinions may differ substantially from each other as to how specific securities will perform versus the market. We believe having a diverse set of opinions on a single topic allows for more informed decisions.

Our staff may have interests in the securities they discuss and are required to disclose any holdings within a security that is being discussed. This includes and is not limited to, stocks, bonds, options, forwards, futures, and swap contracts. A staff member cannot discuss, comment or be involved in a discussion about a security for ten days on either side of dealing in that security.

Intellectual property

All Premium content provided by and through The Money Cog Premium services are the sole and exclusive property of The Money Cog and are protected by applicable intellectual property laws and other laws. “Premium content” refers to any information, analysis, articles, reports, e-books, as well as any other materials published within the Premium area of our website.

You may make a copy of our Premium content for personal, non-commercial use, even after your subscription has expired on the provision that any copyright, notices and disclaimers remain intact. Any other copying, distribution, storing, or transmission of any kind or any sort of use of our Premium Content is strictly prohibited without The Money Cog’s express written permission. 

Without limiting the foregoing, you may not republish, post, transmit or redistribute any Premium content to any third party websites, online bulletin, message boards, chat rooms, intranets, or anywhere else or anyone else without our consent. Failure to comply with this may expose you to legal liabilities and damages.

Trials, Introductory offers and Refunds

We may provide you with the opportunity to try one of our subscription-based premium services with a free trial or an introductory offer before you commit to a full subscription. Only one free trial or introductory offer is permitted per household per service. 

For clarity, this means if you previously subscribed to a premium service, cancelled and then subsequently subscribe again, you will not be granted any refunds for any cancellations.

We offer a 30-day money-back guarantee for all our subscription-based premium services. Only one refund is permitted per household per service every year. 

For clarity, this means if you previously subscribe to a premium service, cancelled, received a refund, and then subsequently subscribe again, and then cancel your subscription again, you will not receive a refund on your second cancellation, or any thereafter.

The Money Cog reserves the right to terminate the subscription and membership of any subscriber who, in our view, has violated this policy.

Indemnification

You agree to indemnify, defend, and hold harmless The Money Cog, and its affiliates, directors, officers, and employees from and against any claim, liability, cost, damage, or loss we may incur, including without limitation, attorneys’ fees, arising out of or in connection with your violation of these Terms and Conditions; or your activities on, or in connection with The Money Cog’s premium services.

Disclaimer of warranties and limitation of liabilities

The Money Cog cannot and does not warrant the completeness or accuracy of the news, information, or other content found on our site, or its usefulness for any particular purpose.

You understand and acknowledge that information posted or transmitted by other users are the sole responsibility of the person from whom such material originated. The Money Cog takes no responsibility for the accuracy, completeness, timeliness, or even truth of the information posted in our areas.

We cannot guarantee the continuous, uninterrupted or error-free operation of the website. There may be times when certain features, parts or content of the website, or the entire website, become unavailable (whether on a scheduled or unscheduled basis) or are modified, suspended or withdrawn by us, at our sole discretion, without notice to you.  You agree that we will not be liable to you or to any third party for any unavailability, modification, suspension or withdrawal of the website, or any features, parts or content of the website.

By using our website or any of our premium services, you are agreeing that bear full responsibility for your own investment decisions and investment research. You also agree that The Money Cog is not and shall never be liable for any decisions made or actions were taken by you or others in reliance upon the news, information, analysis, or any material published by The Money Cog. All information provided on our website is to be used on an “as is, with faults” basis.

We make no promises that our content or premium content will be delivered to you uninterrupted, timely, secure, or error-free. This means you agree to that under no circumstances shall The Money Cog be liable for any direct, indirect, incidental, or any other type of loss or injury resulting from your use, or downloading any of our content or premium content from our website. The exception to which is (i) the death or personal injury caused by The Money Cog’s proven negligence of its employees and agents; (ii) any other liability that by law may not be limited or excluded. 

Subject to the foregoing, The Money Cog, its employees, agents, and affiliates will not be liable for any economic loss including without limitation loss of profits or anticipated savings, or any special, indirect, consequential, or exemplary losses you may incur.

You understand and acknowledge that all published content and published premium content are expressed opinions. These opinions do not take into account the circumstances of any specific individual and does not constitute personal advice, or a personal recommendation for any individual to take a specific action regarding an investment, neither should it be relied upon when making an investment decision.

Trademark information

You agree not to use or display The Money Cog’s trademarks in any manner without prior written consent.

All of the content and premium content published on our website is the property of The Money Cog and is protected under UK and international copyright laws. The Money Cog is not responsible for the content of any external Web or Internet sites

Complaint Handling

If you have a complaint please contact our support team by sending an email to [email protected] with full details regarding your complaint. The Money Cog will attempt to resolve your complaint as quickly as possible and inform you of the outcome of our investigation promptly. This process may take up to eight weeks.

General Information

If any provision in these Terms & Services is invalid or unenforceable, the remaining provisions will continue in full force and effect.

These Terms and Conditions shall be governed by English law, and you agree that any dispute between you, and The Money Cog will only be dealt with by English courts. If you live in a part of the United Kingdom other than England, the applicable law of that part of the United Kingdom will govern and any dispute will only be dealt with by the courts there. Nothing shall prevent us from bringing proceedings to protect our intellectual property rights before any competent court. 

These Terms and Conditions were last updated on 27/03/2021