Terms of Service
Global terms of service
Please read these Terms of Service (the "Terms") carefully, as they set out our and your legal rights and obligations in relation to the use of our Website and any of the services available through it. If you do not agree to these Terms, you must not use our Website regardless of whether or not you are a Subscriber. If you subscribe to our services, we will ask you to expressly agree to these Terms but, in the absence of subscription, your decision to continue use of this Website represents implicit acceptance of these Terms.
(1) Definitions
In these Terms:
“Clear Wealth Data” means data that we source from third party data suppliers and any intermediate algorithms, calculations, comments and analysis that we undertake in respect of that data;
“Fees” means the subscription charges payable to Clear Wealth by the Subscriber in respect of the Subscription Services;
"Intellectual Property Rights" means all intellectual property rights wherever in the world arising, whether registered or unregistered, and including any application or right of application for such rights (including without limitation copyright and related rights, moral rights, registered and unregistered trademarks, patents, design rights and database rights);
“InvestIdea” means our investment research platform available through our Website to subscribers. It includes data, financial analysis and comments about a number of financial assets, as well as investment education;
“Subscriber” means a person who has created an account with the Website and subscribed to InvestIdea;
“Subscription Service” means the paid-for investment research subscription service (“InvestIdea”) available on the Website;
“Third Party Content” means financial news, articles, advertising and/or other content (including without limitation video, textual, graphic, photographic, audio and audio-visual content) that is published on the Website, but is provided by third parties (for example content sourced from external publishers including news organisations and research houses),
"Use" means any use whatsoever and includes, without limitation, viewing, storing, reproducing, displaying, publishing, distributing, broadcasting and/or creating derivative works;
References in these Terms to "we" or "us" mean Clear Wealth Ltd; and references in these Terms to "you" mean the person using the Website or holding a subscription to our services.
(2) Licence
We own the Intellectual Property Rights in the Website and material on the Website. You may view, download for caching purposes only, and print material from the Website, subject to the restrictions set out below. Save to the extent that you own (or are properly licensed by a third party to exercise) the relevant rights, you must not: (a) republish or redistribute material from the Website (including republication or redistribution on another website or in any other format); (b) sell, rent or sub-license material from the Website; (c) reverse engineer, decompile or disassemble, decrypt or, attempt to derive the source code of the Website, or any components thereof, or create any derivative works of the Website, or any part thereof; (d) make any charge in relation to or carry on by way of business any activities in relation to any material obtained from the Website; (e) present or share the data or information received through the Website without Clear Wealth’s prior consent, and in the event such consent was given, present or share such data or information without attribution to Clear Wealth pursuant to Clear Wealth’s branding guidelines; (f) use the Website to develop, offer, operate, support or enable a competing service or product.
You must not use any material from the Website for any improper or unlawful purpose or conduct any scraping, data mining or automated data collection in relation to the Website. You must not use the Website in any way that causes, or may cause, damage to the Website or impairment of the availability or accessibility of the Website, or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You may only Use the Website if you are at least 18 years of age.
(3) Restricted access
Access to certain areas of the Website is restricted to Subscribers. You must not use the login details or password of any other person to access restricted areas of the Website.
(4) Subscribers
In order to become a Subscriber, you must contact us and sign a contract with us. We will create an account for you on the Website so that you can gain access to restricted areas on the Website, i.e. our subscription service InvestIdea.
Subscribers must not allow any other person to use their user ID and password, and they must ensure that that user ID and password are kept confidential. Subscribers accept responsibility for all activities that occur under or in relation to their user ID and password. Upon our request, Subscribers will provide to us proof of their identity and/or age.
We may also be required by law or regulation to identify Subscribers and disclose their details to a third party including the relevant legal or regulatory authority if requested by them to do so.
We may alter or restrict the services and areas that Subscribers have access to, and/or delete any Subscriber's account, in our sole discretion without notice or explanation.
(5) Third Party Content
Subject to our warranties in Section 6 below, we do not undertake to monitor Third Party Content that appears on the Website. Nor do we warrant that Third Party Content providers have adhered to these Terms, although we use reasonable endeavours to remove Third Party Content which breaches these Terms after it has been brought to our attention. If you become aware of any Third Party Content on the Website which breaches these Terms, you should notify us of that content immediately.
(6) Our warranties
You acknowledge that the Website and the material on the Website may be changed from time to time without notice. As we provide Clear Wealth Data as part of a paid Subscription Service, we warrant that we will take reasonable care in respect of ensuring the accuracy of that Clear Wealth Data (also by ensuring that the underlying data is sourced from a reputable provider), and that we will use reasonable care and skill in the provision of the Subscription Service. If we are notified of a possible error in relation to Clear Wealth Data, we will endeavour to correct the error identified.
Notwithstanding the warranties above, Clear Wealth is not authorised to give investment advice and nothing on the Website should be interpreted as Clear Wealth seeking to offer such advice. Clear Wealth Data and any potential Third Party Content is provided ‘as is’ and may contain errors or inaccuracies. You should seek confirmation from an authoritative third party source of any information found on the Website upon which you may wish to rely. Use of Clear Wealth Data and analysis, or any Third Party Content is solely at the Subscriber’s risk. Clear Wealth disclaim all liability and responsibility arising from any reliance placed on the material found on InvestIdea by Subscribers.
Subscriber acknowledges that the use and interpretation of Clear Wealth Data, and any comments and analysis provided as part of the Subscription Service requires skill and judgement. Subscribers shall at all times exercise their own skill and judgement in the Use and interpretation of the Subscription Service and shall be solely responsible for the purposes for which it is used and for all opinions, recommendations, forecasts and other comments made or action taken by Subscribers based wholly or partly on Clear Wealth Data.
Clear Wealth’s Subscription Service includes access to pre-defined investor screens based on several well-established factors. We do not subjectively choose the investments on these lists. All the screens are based on set quantitative criteria, which are taken from research papers, combined with our financial industry experience. You should consider the results of any screen as candidates for further research, not as a buy list or as a set of investment recommendations.
Subject to the warranty given above in respect of the paid-for Subscription Service:
(a) we do not warrant the completeness, veracity, bona fides or accuracy of the material on the Website; nor do we commit to ensuring that the Website remains available or that the material on the Website is kept up-to-date;
(b) we do not grant to you any warranties or make any representations relating to the Website or your Use of the Website, and to the fullest extent permitted by applicable law we exclude all warranties and representations.
You acknowledge that the material on the Website submitted by third parties from time to time is the sole responsible of the third party who has submitted that material. If you become aware of any inaccuracy or error on the website, please let us know.
(7) Indemnity
You will indemnify and hold Clear Wealth harmless from and against any suit, loss, damage, expense, cost or liability incurred or suffered by us arising out of (a) your use of or access to, or inability to use or access, the Website or any Services save for any arising due to our own act or omission, (b) your violation of any of these Terms, or (c) any claim that you have breached any of these Terms.
(8) Financial disclaimer
Our Website is a financial data, analysis and news portal, as well as an investment education platform. Clear Wealth is not a broker/dealer, we are not an investment advisor, we have no access to non-public information about publicly traded companies, and this is not a place for the giving or receiving of financial advice, advice concerning investment decisions or tax or legal advice. We are not regulated by the Financial Conduct Authority.
Our business is investment research. We analyse and discuss information related to stocks, equity indices, foreign exchange, commodities, and ETF investments and strategies purely with an educational purpose. No content on the site constitutes - or should be understood as constituting - a recommendation to enter in any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether an investment approach is suited to the financial needs of a specific individual. InvestIdea is a research tool to support individual investors and investment advisors with their trading judgments and is not intended to act as a replacement for investment advisors.
Where we present investment screens, the results should only be treated as candidates for further research, not as a buy list or set of recommendations. Screening may help to narrow a search based on pre-defined criteria but it is not a substitute for independent research reflecting your individual criteria for investing/trading.
Clear Wealth Data is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take professional financial advice in connection with, or independently research and verify, any information that you find on our Website and wish to rely upon, whether for the purpose of making an investment decision or otherwise. Any arrangements between you and any third party contacted via the Website are at your sole risk.
Accordingly, we will not be liable, whether in contract, tort (including negligence) or otherwise, in respect of any damage, expense or other loss you may suffer arising out of such information or any reliance you may place upon such information.
Our Website is directed to UK residents. For the avoidance of doubt, the Website is not being offered in the US or Canada or to US persons or Canadian persons. Nothing on this Website or any part thereof is intended to constitute an offer or solicitation to buy or sell investments in any jurisdiction.
We do not therefore warrant that our Website complies with the applicable laws or regulations of any particular jurisdiction outside the UK. Accordingly, if it is prohibited to make information provided on this Website or any part thereof available in your jurisdiction or to you (by reason of nationality, residence or otherwise) the Website or any part thereof is not directed at you. You accept that if you are resident outside the UK, you must satisfy yourself that you are lawfully able to access our Website.
We do not accept any liability for any costs, losses or damages resulting from, or related to, the availability or content of the Website to persons in jurisdictions outside the UK or to persons who are nominees of or trustees for citizens, resident or nationals of other countries.
We would like to draw your attention to the following important investment warnings: i) the value of shares and investments and the income derived from them can go down as well as up; ii) investors may not get back the amount they invested; and iii) past performance is not necessarily a guide to future performance.
(9) General disclaimer
Our liability is limited and excluded to the maximum extent permitted under applicable law. We will not be liable for any direct or indirect loss or damage arising under these Terms, your Use of the Subscription Service or in connection with the Website, whether arising in tort, contract, or otherwise.
Without limiting the generality of the exclusion of liability above, we will not be liable for any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings arising under these Terms, your Use of the Subscription Service or in connection with the Website, whether direct or indirect, and whether arising in tort, contract, or otherwise; nor will we be liable for any loss or damage arising out of any event that is beyond our reasonable control.
If, notwithstanding the limitations of liability in these Terms, we are found to be liable to you, our liability is limited in relation to any event or series of related events will not exceed UK£250, save as in respect of Subscribers, in relation to which our liability shall be limited to the Charges paid by the Subscriber in question.
Nothing in these Terms will exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.
(10) Trademarks
Clear Wealth and our logo are trademarks belonging to us. We give no permission for the use of these trademarks, and such use may constitute an infringement of our rights. The other registered and unregistered trademarks or service marks on the Website are the property of their respective owners. Unless stated otherwise, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.
(11) Term & Termination
Without prejudice to our other rights under these Terms, if you (including for the avoidance of doubt Subscribers) breach any of these Terms in any way, or if we reasonably suspect that you have breached any of these Terms in any way, we may:
(a) send you one or more formal warnings;
(b) temporarily suspend your access to the Website and/or the Subscription Service;
(c) delete your account;
(d) permanently prohibit you from using the Website and/or the Subscription Service;
(e) block computers using your IP address from accessing the Website;
(f) contact your internet services provider and request that they block your access to the Website; and/or
(g) bring court proceeding against you for breach of contract or otherwise.
Where we suspend or prohibit or block your access to the Website, part of the Website, and/or the Subscription Service, you must not take any action to circumvent such suspension or prohibition or block (including without limitation using a different account).
(12) Fees
In consideration for the provision of the Subscription Service, Subscribers agree to pay the Fees applicable to the subscription plan which they have selected as agreed with us and stated in the contract signed at the onset of the subscription.
The fee for the Service is a recurring monthly fee, paid in advance. Billing will take place on the first day of the month. The fee for the first month is pro-rated from the date the Client signs the Agreement until the last day of that month. The Service will automatically renew monthly, with payment due at the beginning of the payment cycle, unless terminated by either Party. Payments will be made by bank transfer to our company account as stated in the Agreement. Charges can be updated from time to time, subject to a formal update of the Agreement with the Subscriber.
Without prejudice to its rights to recover the sums outstanding from the Subscriber, should the Subscriber fail to transfer to Clear Wealth any part of the agreed Charges, Clear Wealth reserves the right to:
- suspend access to the Subscription Service; or
- terminate the agreement to access the Subscription Service.
(13) Termination and Refunds
At the end of each subscription period, a subscription will continue to automatically renew at the prevailing fee rate applicable to the Subscriber, unless terminated by us or until the Subscriber notifies us of their decision to terminate their subscription to the Services.
Either party may terminate this agreement to access the Subscription Service at any time by providing written notice, and termination of the agreement shall be effective upon receipt of such notice. If the Subscriber notifies Clear Wealth of her/his desire to terminate the agreement immediately, without
waiting until the monthly billing period ends, the Subscriber
shall not be entitled to a refund of that month’s subscription fee and will be entitled to use the service until the end of that billing period.
If Clear Wealth chooses to terminate the Agreement immediately, the Subscriber shall be entitled to a full refund for that month, regardless of when the termination takes place within the billing period.
If the Subscriber terminates the agreement to access the Subscription Service, the Subscriber shall ensure that it pays Clear Wealth all Charges owing up until the date of termination (including any outstanding interest).
(14) General
If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in full force and effect, and any such invalid or unenforceable provisions will be deemed omitted. No waiver of any provision of these Terms by us, whether by conduct or otherwise, in any one or more instances, will be deemed to be, or be construed as, a further or continuing waiver of that provision or any other provision of these Terms. These Terms are for the benefit of us and our users and are not intended to benefit, or be enforceable by, any other person. Any termination, rescission, amendment, variation, waiver or settlement under these Terms will not be subject to the consent of any third party.
You may not assign, charge, sub-contract or otherwise transfer any of your rights or obligations arising under these Terms. Any attempt by you to do so will be null and void. We may assign, charge, sub-contract or otherwise transfer these Terms, or any of our rights or obligations arising under these Terms, at any time. We may vary these Terms from time-to-time by posting a new version of the Terms on the Website. If you are a Subscriber, we will also give you a 30-day notice of the variation. Your continued use of the Website after a variation will constitute your acceptance of the variation.
These Terms constitutes the entire agreement between you and us in relation to your use of the Website, and supersede all previous agreements in respect of your use of the Website. These Terms will be governed by and construed in accordance with English law, and the English courts will have (subject to the following) exclusive jurisdiction to adjudicate any disputes arising out of or relating to these Terms. Both you and we irrevocably agree for the benefit of the other to settle any dispute which may arise out of, under, or in connection with these Terms or the legal relationship established by them, and for those purposes we both irrevocably submit all disputes to the jurisdiction of the English courts. For the exclusive benefit of Clear Wealth, Clear Wealth retains the right to bring proceedings as to the substance of the matter in the courts of the country of your residence or, where these Terms are, subject to the financial disclaimer in clause 8 above, entered into in the course of your trade or profession, the country of your principal place of business.
(15) Information
The Website is owned and operated by Clear Wealth Ltd. Our registered office address is at Clear Wealth Ltd, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom. Our company registration number is 12034374. If you wish to contact us, please email us via info(at)clearwealth-ltd.com or write to us at this address.
You should print a copy of these Terms for future reference. We will not file a copy of these Terms specifically in relation to you, and they may not be accessible on the Website in future. These Terms are available in the English language only.
Last updated 5th March 2025