Invest Informatics
Legal Information
Privacy, cookies, disclaimer, terms of service, and membership terms — in one place.
Invest Informatics is a trading name of AI Tech Research Limited, a company registered in England and Wales (company number 17060413), with registered office at 3rd Floor, 86–90 Paul Street, London EC2A 4NE.
Section 01
Privacy Policy
1. Who we are
Invest Informatics is a trading name of AI Tech Research Limited, a company registered in England and Wales (company number 17060413), with registered office at 3rd Floor, 86–90 Paul Street, London EC2A 4NE.
For the purposes of the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, AI Tech Research Limited is the data controller for personal data processed through investinformatics.com.
You can contact us about anything in this policy at privacy@investinformatics.com.
We are not required to appoint a Data Protection Officer (DPO). Privacy enquiries are handled directly by the company.
2. About this policy
This policy explains what personal data we collect through investinformatics.com (the “Site”), why we collect it, who we share it with, how long we keep it, and what your rights are under UK GDPR.
Invest Informatics is a platform for financial research and education. We do not sell advertising, we do not run third-party analytics, we do not build advertising profiles, and we do not sell or rent personal data to anyone. Our use of personal data is limited to what we genuinely need to operate the Site and deliver our membership service.
3. What personal data we collect
We collect only the data we need. Specifically:
3.1 When you register for a membership
- Email address
- Username
- Password (we never see this in plain text — it is hashed and stored by WordPress)
- Membership level and signup date
3.2 When you purchase a paid membership
- Your Stripe customer ID and payment status (we receive these references from Stripe but we never see or store your card details — those are held directly by Stripe under PCI-DSS controls)
- Your billing email (which may or may not be the same as your account email)
3.3 When you contact us
- Your name and email address (and any other information you choose to include)
- The content of your message
3.4 Automatically when you use the Site
- Your IP address
- Basic browser and device information (browser type, operating system, screen size)
- Pages you visit and timestamps
- Bot-detection signals from Cloudflare Turnstile (a hashed visitor fingerprint, not your identity)
3.5 When we send you an email
- Delivery status, bounces, and basic delivery metadata held in our email server logs
We do not collect:
- Financial account numbers (other than what Stripe holds for processing)
- Identity documents
- Marketing or profiling data
- Behavioural advertising data
- Cross-site tracking data
4. How we use your data, and our legal basis
UK GDPR requires us to have a “lawful basis” for every use of personal data. Here is how we use yours, with the basis for each:
| What we use it for | Lawful basis |
|---|---|
| Creating and operating your account | Contract (UK GDPR Art. 6(1)(b)) — we need your data to deliver the membership you’ve signed up for |
| Processing your payment via Stripe | Contract (UK GDPR Art. 6(1)(b)) |
| Sending you transactional emails (password resets, signup confirmation, billing notices) | Contract (UK GDPR Art. 6(1)(b)) |
| Keeping the Site secure (Cloudflare Turnstile, server logs, login monitoring) | Legitimate interest (UK GDPR Art. 6(1)(f)) — protecting the Site and our members from abuse |
| Responding to enquiries through the contact form | Legitimate interest (UK GDPR Art. 6(1)(f)) — responding to people who contact us |
| Meeting our legal obligations (accounting and tax records, responding to lawful requests from authorities) | Legal obligation (UK GDPR Art. 6(1)(c)) |
We do not currently rely on consent as a legal basis for any data processing, because we do not send marketing emails or run advertising profiling. If we ever introduce marketing communications, we will ask you to opt in separately at that point, and you will be free to opt out at any time.
We do not carry out automated decision-making or profiling that produces legal or similarly significant effects on you (UK GDPR Art. 22).
5. Who we share your data with
We share your data only with the small number of service providers we use to operate the Site. These are all bound by data processing agreements with us.
| Provider | What they do | Data handled | Location |
|---|---|---|---|
| IONOS | Website hosting and email delivery | All site and account data, email logs | UK / EU |
| Stripe | Payment processing | Payment data, billing email, Stripe customer ID, card details (which we never see) | US, with UK / EU subsidiaries |
| Cloudflare | Bot prevention via Turnstile, network security | IP address, hashed bot-detection signals | US, with UK / EU edge processing |
We do not share your data with:
- Advertisers or advertising networks
- Data brokers
- Analytics providers
- Marketing platforms
- Affiliates or commercial partners
We will share data only if required to do so by law — for example, in response to a court order, a valid request from law enforcement, or to comply with our regulatory obligations.
6. International transfers
Some of our processors are based in the United States or process data on US infrastructure (Stripe, Cloudflare). Where personal data is transferred outside the UK, we rely on the safeguards required by UK GDPR:
- The UK International Data Transfer Agreement (IDTA), or
- EU Standard Contractual Clauses (SCCs) with the UK Addendum
Stripe and Cloudflare each publish these safeguards as part of their customer data processing agreements. Copies can be requested from us at privacy@investinformatics.com.
7. How long we keep your data
We keep personal data only for as long as we need it.
| Data | Retention |
|---|---|
| Account data (email, username, hashed password) | For as long as your account is active. If you cancel or delete your account, we delete this data within 30 days, except where we are legally required to retain it. |
| Payment records (Stripe transaction references, billing records) | 7 years from the end of the financial year, as required by HMRC for VAT and corporation tax records |
| Contact form messages | 12 months from the date of the message, unless an ongoing matter requires longer retention |
| Server access logs (IP addresses, request data) | 30 days |
| Email delivery logs | 90 days |
| Cloudflare Turnstile bot-detection signals | Held by Cloudflare under their retention policy (typically 30 days) |
8. Your rights under UK GDPR
You have the following rights in relation to your personal data. To exercise any of them, email us at privacy@investinformatics.com. We will respond within one calendar month, and the service is free.
- Right of access — you can ask us for a copy of the personal data we hold about you.
- Right to rectification — you can ask us to correct inaccurate or incomplete data.
- Right to erasure (the “right to be forgotten”) — you can ask us to delete your personal data, subject to limited exceptions where we are legally required to keep it (for example, payment records retained for HMRC).
- Right to restrict processing — you can ask us to pause processing while a question is resolved.
- Right to data portability — you can ask us to provide your data in a portable format. We will provide it as a JSON or CSV file.
- Right to object — you can object to processing we carry out on the basis of legitimate interests.
- Right to withdraw consent — if you have given consent for any processing, you can withdraw it at any time. This does not affect the lawfulness of processing carried out before withdrawal.
- Right not to be subject to automated decision-making — we do not carry out automated decision-making that produces legal or similarly significant effects.
- Right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK regulator. See the footer for ICO contact details.
We may need to verify your identity before responding to a request, in order to protect your data from unauthorised access.
9. Cookies
Our use of cookies is described in our Cookie Policy below. In summary, we use a small number of strictly necessary cookies to keep you logged in and to protect the Site from bots. We do not use analytics cookies, advertising cookies, or cross-site tracking cookies.
10. Security
We take reasonable technical and organisational measures to protect your personal data, including:
- TLS / SSL encryption for all data transmitted to and from the Site
- WordPress core and plugin security updates applied promptly
- Cloudflare Turnstile to deter automated abuse
- Password hashing (we never store plain-text passwords)
- Restricted administrator access, secured by strong authentication
- Regular backups held in secure environments
No system is 100% secure. If we become aware of a personal data breach that poses a risk to your rights, we will notify the ICO within 72 hours and notify affected users without undue delay, as required by UK GDPR.
11. Children
The Site is not directed at children. We do not knowingly collect personal data from anyone under the age of 18. If you believe a child has provided us with personal data, please contact us at privacy@investinformatics.com and we will delete it.
12. Visitors from outside the UK
The Site is operated from the UK. If you visit from outside the UK — including the EEA, the United States, or elsewhere — your data is processed in accordance with this policy and UK GDPR. By using the Site, you understand that your data may be processed in the UK.
If you are an EEA visitor, you also have rights under EU GDPR, which are substantively equivalent to the rights described in section 8.
13. Links to other websites
The Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We recommend you read the privacy policy of any third-party site you visit.
14. Changes to this policy
We may update this policy from time to time. When we do, we will update the “Last updated” date at the top. Material changes will be highlighted on the Site, and if you are a registered member, we will email you to let you know.
15. How to contact us
For any privacy enquiries, including to exercise your rights under UK GDPR:
Email: privacy@investinformatics.com
Post: Data Protection, AI Tech Research Limited, 3rd Floor, 86–90 Paul Street, London EC2A 4NE
Section 03
Disclaimer
1. Scope of this Site
Invest Informatics is an educational and informational platform for financial research. We publish equity research notes, interactive learning modules, market commentary, and analytical tools. Everything on this Site is intended to inform and educate.
Nothing on this Site is a personal recommendation, investment advice, financial advice, tax advice, or legal advice.
If you are looking for personal financial advice tailored to your circumstances, please consult an authorised financial adviser. We are not one.
2. We are not regulated
AI Tech Research Limited is not authorised or regulated by the UK Financial Conduct Authority (FCA), the U.S. Securities and Exchange Commission (SEC), or any other financial services regulator. We do not carry on any regulated activity within the meaning of the UK Financial Services and Markets Act 2000 (FSMA), and we do not provide services that require such authorisation.
The content on this Site is intended for general information and education only. It is not a “personal recommendation” within the meaning of the FCA Handbook, and it is not a “financial promotion” within the meaning of section 21 of FSMA.
3. No advice, no recommendations
Our research notes, articles, and educational materials describe companies, financial instruments, market events, and investing concepts for the purposes of education and analysis. They do not constitute:
- a recommendation to buy, sell, hold, or transact in any financial instrument
- an offer or solicitation to buy or sell any financial instrument
- an inducement to engage in investment activity
- personalised advice taking into account your circumstances, objectives, or risk tolerance
Where a research note mentions a specific company, sector, valuation, broker target, or scenario, it is for illustrative and educational purposes only. You should not treat it as a signal to act.
4. Investing involves risk
All investments carry risk, including the risk of total loss of capital. Specifically, you should be aware that:
- The value of investments can go down as well as up.
- Past performance is not a reliable indicator of future results.
- Forecasts, estimates, scenarios, and projections are not guarantees and may prove inaccurate.
- Some financial instruments carry the risk of loss greater than the amount invested (for example, leveraged products and derivatives).
- Currency movements may affect the value of overseas investments.
- Tax treatment depends on your individual circumstances and may change.
- Illiquid investments may be difficult to sell at a fair price or at all.
Before making any investment decision, you should carry out your own research, consider your personal circumstances, and where appropriate seek advice from a suitably qualified, regulated adviser.
5. Accuracy of information
We take reasonable care when preparing the content on this Site, and we draw our research from sources we believe to be reliable, including primary regulatory filings, company disclosures, and reputable secondary sources.
However:
- We make no representation or warranty that the information is accurate, complete, current, or fit for any particular purpose.
- Financial and corporate information changes constantly. Content on the Site reflects our understanding at the time of publication and may be out of date by the time you read it.
- Errors, omissions, and changes in source material can and do occur.
You should verify any information that matters to you against primary sources before relying on it.
6. Forward-looking statements
Our content includes forward-looking statements — including forecasts, estimates, scenarios, valuations, and projections. By their nature, forward-looking statements involve assumptions, uncertainties, and contingencies that may not materialise. Actual results, market conditions, and company performance may differ materially from anything we describe. You should not place undue reliance on any forward-looking content.
7. Third-party content and links
The Site may contain links to third-party websites, references to third-party research, broker price targets, news articles, regulatory filings, and similar materials. We provide these for convenience and context only. We do not endorse, control, or take responsibility for the accuracy or content of any third-party material, and including a link or reference does not imply that we agree with, recommend, or have verified the material.
8. No solicitation or offer
Nothing on this Site is an offer to sell, or a solicitation of an offer to buy, any financial instrument or security in any jurisdiction. Nothing on this Site is directed at any person in any jurisdiction where such an offer, solicitation, or distribution would be unlawful.
If you access the Site from a jurisdiction where the content is restricted or unlawful under local law, you are responsible for complying with the laws of that jurisdiction.
9. No fiduciary or professional relationship
Your access to or use of the Site, including any paid membership, does not create any fiduciary, advisory, agency, broker, or professional relationship between you and Invest Informatics or AI Tech Research Limited. We owe you no duty to advise, to update content, or to act in your financial interests beyond the contractual obligations set out in our Terms of Service.
10. Intellectual property
All content on the Site — including research notes, articles, educational modules, charts, illustrations, logos, and software — is the property of AI Tech Research Limited or its licensors and is protected by UK and international copyright, trade mark, and other intellectual property laws. You may not copy, reproduce, republish, redistribute, sell, or commercially exploit any content from the Site without our prior written permission. Personal, non-commercial use by registered members within the terms of their membership is permitted. Full intellectual property terms are set out in our Terms of Service.
11. Limitation of liability
To the maximum extent permitted by law, AI Tech Research Limited, its directors, officers, employees, and contributors will not be liable for any loss or damage — whether direct, indirect, consequential, financial, or otherwise — arising from:
- your use of, or inability to use, the Site
- any reliance you place on the content of the Site
- any errors, omissions, inaccuracies, or out-of-date information in the content
- any investment decision you make based on or influenced by the content
- any interruption, suspension, or termination of the Site
Nothing in this Disclaimer excludes or limits any liability that cannot be excluded or limited under UK law — including liability for death or personal injury caused by negligence, or liability for fraud or fraudulent misrepresentation. Members in the UK retain their statutory rights as consumers under the Consumer Rights Act 2015 and other applicable consumer protection legislation.
12. Indemnity
You agree to indemnify and hold harmless AI Tech Research Limited, its directors, officers, employees, and contributors from any claim, loss, or liability (including reasonable legal costs) arising from your breach of this Disclaimer or your misuse of the Site.
13. Changes to this disclaimer
We may update this Disclaimer from time to time. When we do, we will update the “Last updated” date at the top. Continued use of the Site after a change indicates your acceptance of the updated Disclaimer.
14. Governing law and jurisdiction
This Disclaimer is governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising from or relating to this Disclaimer or your use of the Site, save that nothing in this clause limits any non-waivable right of a consumer to bring proceedings in the courts of their country of residence.
↑ Back to contentsSection 04
Terms of Service
1. About these Terms
These Terms of Service (“Terms“) govern your access to and use of investinformatics.com (the “Site“) and the services we provide through it (together, the “Service“). They form a binding contract between you and us.
By accessing or using the Site, registering an account, or purchasing a membership, you confirm that you have read, understood, and agree to be bound by these Terms.
If you do not agree to these Terms, you must not use the Service.
These Terms should be read alongside the Privacy Policy, Cookie Policy, Disclaimer, and Membership Terms set out elsewhere on this page. Where they overlap, the Membership Terms take precedence on membership-specific matters, the Privacy Policy takes precedence on data protection matters, and the Disclaimer takes precedence on the nature and limits of the content.
2. Eligibility
To use the Service, you must:
- be at least 18 years old;
- have the legal capacity to enter into a binding contract under the law that applies to you; and
- not be barred from receiving the Service under the laws of any jurisdiction that applies to you.
By using the Service, you confirm that you meet these requirements.
3. The Service
The Service provides educational and informational content related to financial markets, including but not limited to: equity research notes, interactive learning modules, market commentary, analytical tools, and reference materials.
The Service is for general education and information only. It is not financial advice, investment advice, tax advice, or legal advice. Please read the Disclaimer for full details.
We may add, change, or remove features of the Service at any time. We may also change the way content is organised, presented, or accessed. We will not be liable to you for any such changes.
4. Your account
4.1 Registration
To access membership areas of the Service, you must register an account. When you register, you agree to:
- provide accurate, current, and complete information;
- keep your account information up to date; and
- accept responsibility for all activity that occurs under your account.
4.2 Account security
You are responsible for keeping your password confidential and for any action taken using your account, whether or not you authorised it. If you suspect that your account has been accessed by someone else, you must notify us immediately at info@investinformatics.com.
4.3 One person, one account
Accounts are personal to you. You may not share your account credentials with any other person or allow anyone else to use your account. We may suspend or terminate accounts that appear to be shared, sold, or used by multiple people.
4.4 Closing your account
You may close your account at any time by contacting us at info@investinformatics.com. Closing your account does not, by itself, entitle you to a refund — please see the Membership Terms for the refund position.
5. Memberships and payment
Some areas of the Service are available only to paying members. The specifics of membership tiers, billing cycles, cancellation, and the no-refund position are set out in the Membership Terms.
In summary:
- payments are processed by Stripe;
- by purchasing a membership, you agree to the Membership Terms as well as these Terms;
- because the Service grants immediate access to all educational content on purchase, you expressly waive your statutory 14-day cancellation right at checkout (see section 6 of the Membership Terms); and
- we do not offer refunds once access has been granted.
If there is any conflict between these Terms and the Membership Terms on a membership-specific matter, the Membership Terms prevail.
6. Acceptable use
You agree to use the Service only for lawful, personal, non-commercial purposes, and in accordance with these Terms.
You may:
- access and read content for your own education and research;
- save individual research notes for your personal reference; and
- discuss the educational concepts you learn with others in your own words.
You may not:
- copy, reproduce, distribute, republish, post, transmit, sell, or commercially exploit any content from the Site without our prior written permission;
- republish, repost, or redistribute our research notes, interactive guides, or other content on any other website, platform, newsletter, social network, or publication;
- use the Service or its content to operate a competing or substantially similar service;
- use any automated means — including scrapers, bots, spiders, crawlers, or other harvesting tools — to access, copy, or collect content from the Site;
- attempt to bypass any technical restriction, paywall, login system, or rate limit on the Site;
- reverse engineer, decompile, or attempt to derive the source code of any software underlying the Service;
- interfere with or disrupt the operation of the Site, including by uploading malware, launching denial-of-service attacks, or probing for vulnerabilities;
- use the Service to engage in market manipulation, insider dealing, money laundering, or any other unlawful activity;
- impersonate any person or misrepresent your affiliation with any person or organisation;
- collect personal data of other users; or
- use the Service in any way that infringes the rights of any other person.
7. Suspension and termination
We may suspend or terminate your account, or restrict your access to part or all of the Service, at any time and at our reasonable discretion if:
- you have breached these Terms or any document referred to in them;
- we reasonably suspect that you have engaged in or are about to engage in conduct that breaches these Terms;
- we are required to do so by law, regulation, or order of a competent authority;
- there is a credible threat to the security or integrity of the Site or to other members;
- continuing to provide the Service to you would expose us to legal or commercial risk; or
- you fail to pay any sum due to us.
Where it is reasonable to do so, we will give you notice before suspending or terminating your account, but we may act without prior notice in cases of serious breach, suspected fraud, or where giving notice would not be practical.
Suspension or termination for breach does not entitle you to a refund of any membership fee already paid. See the Membership Terms for the full refund position.
We may also terminate or suspend the Service as a whole, with reasonable notice where practical. If we permanently discontinue the Service, we will make reasonable efforts to notify members in advance.
8. Intellectual property
8.1 Our content
All content on the Site — including but not limited to research notes, articles, interactive learning modules, charts, illustrations, photographs, graphics, logos, page layouts, source code, user interface elements, and the “Invest Informatics” brand — is the property of AI Tech Research Limited or its licensors, and is protected by UK and international copyright, trade mark, and other intellectual property laws.
8.2 Your licence
Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for your own personal, non-commercial education and research.
This licence does not transfer any ownership of the content to you. All rights not expressly granted are reserved.
8.3 Restrictions
You may not, without our prior written permission:
- copy, reproduce, or republish our content in whole or in substantial part;
- create derivative works based on our content;
- use our content to train, fine-tune, or develop any artificial intelligence or machine learning model;
- remove or alter any copyright, trade mark, or other proprietary notice from any part of the Service.
8.4 Feedback
If you send us feedback, suggestions, or ideas about the Service, you grant us a perpetual, worldwide, royalty-free licence to use that feedback for any purpose, without obligation to you.
9. Third-party services and links
The Service may include links to third-party websites, references to third-party content, and integrations with third-party services (for example, Stripe for payments and Cloudflare for security).
We do not control third-party websites or services and we are not responsible for their content, accuracy, availability, terms, or practices. Your use of any third-party website or service is at your own risk and subject to that third party’s terms.
10. Disclaimer
Except as expressly stated in these Terms, the Service is provided “as is” and “as available”. To the maximum extent permitted by law, we make no warranties or representations of any kind, whether express or implied, about the Service or its content, including but not limited to warranties of accuracy, completeness, currency, merchantability, fitness for a particular purpose, or non-infringement.
For the full position on the educational and non-advisory nature of the Service, see the Disclaimer.
11. Limitation of liability
To the maximum extent permitted by law:
- We will not be liable for any indirect, consequential, special, or incidental loss or damage of any kind.
- We will not be liable for any loss of profits, loss of business, loss of opportunity, loss of investment value, loss of data, or loss of goodwill, however arising.
- Our total aggregate liability to you under or in connection with these Terms, whether in contract, tort (including negligence), or otherwise, will not exceed the total amount you paid to us for your membership in the twelve months immediately before the event giving rise to the liability — or, if you have not paid us anything, £100.
Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under UK law — including liability for death or personal injury caused by negligence, liability for fraud or fraudulent misrepresentation, and any liability that cannot be excluded under the Consumer Rights Act 2015 or other applicable consumer protection legislation. Members in the UK retain their statutory rights as consumers.
12. Indemnity
You agree to indemnify and hold harmless AI Tech Research Limited, its directors, officers, employees, and contributors from any claim, loss, liability, damage, or cost (including reasonable legal fees) arising from:
- your breach of these Terms or any document referred to in them;
- your misuse of the Service;
- your infringement of any third party’s rights through your use of the Service; or
- any unlawful activity carried out through your account.
13. Force majeure
We will not be in breach of these Terms or otherwise liable for any failure or delay in performance to the extent that it is caused by circumstances beyond our reasonable control — including but not limited to acts of God, war, terrorism, civil unrest, pandemic, government action, power failure, internet outage, denial-of-service attacks, or failure of third-party services or infrastructure.
14. Privacy
Our handling of personal data is governed by our Privacy Policy and Cookie Policy. By using the Service, you acknowledge that you have read those policies.
15. Changes to these Terms
We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top and post the revised Terms on the Site. Material changes will be highlighted, and where you are a registered member, we will email you to let you know.
Your continued use of the Service after the effective date of any change constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and may close your account in accordance with section 4.4.
16. Changes to the Service
We reserve the right to add, change, suspend, or discontinue any feature of the Service, in whole or in part, at any time. We will give reasonable notice of material changes that adversely affect members where it is practical to do so.
17. General
17.1 Entire agreement
These Terms, together with the Privacy Policy, Cookie Policy, Disclaimer, and (if applicable) Membership Terms, constitute the entire agreement between you and us in relation to the Service and supersede any prior agreement or understanding.
17.2 Severability
If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect.
17.3 No waiver
A failure or delay by us to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.
17.4 Assignment
You may not assign, transfer, or sublicense your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms to another entity at any time.
17.5 No third-party rights
These Terms do not give any third party any right to enforce any provision, and the Contracts (Rights of Third Parties) Act 1999 does not apply.
17.6 Notices
We will send notices to you at the email address registered to your account. You should send notices to us at info@investinformatics.com or by post to AI Tech Research Limited, 3rd Floor, 86–90 Paul Street, London EC2A 4NE.
18. Governing law and jurisdiction
These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising from or relating to these Terms or your use of the Service, save that nothing in this clause limits any non-waivable right of a consumer to bring proceedings in the courts of their country of residence.
↑ Back to contentsSection 05
Membership Terms
Important: please read before purchasing.
These Membership Terms govern paid memberships on investinformatics.com. By purchasing a membership, you accept these terms and you expressly waive your statutory 14-day right to cancel, in exchange for immediate access to all members’ content. We do not offer refunds. Please read sections 6 and 7 carefully before purchasing.
1. About these Membership Terms
These Membership Terms apply to all paid memberships on investinformatics.com (the “Site”). They form a binding contract between you and us in addition to the Terms of Service, Privacy Policy, Cookie Policy, and Disclaimer set out above on this page.
If there is any conflict between these Membership Terms and the Terms of Service on a membership-specific matter, these Membership Terms prevail.
2. What a membership includes
A paid membership grants you access to additional content and features on the Site that are not available to free-tier members or unregistered visitors. This may include research notes, interactive learning modules, analytical tools, and other educational materials.
The specific content and features included with each membership tier are described on our Plans page at the time of purchase. Content available to members is subject to change — see section 10.
A membership is for personal, non-commercial use only. The full list of permitted and prohibited uses is set out in the Terms of Service.
3. Eligibility
To purchase a membership, you must meet the eligibility criteria in section 2 of the Terms of Service — in summary, you must be at least 18 years old and have the legal capacity to enter into a binding contract.
A membership is personal to you and cannot be shared, sold, gifted, or transferred to any other person. Accounts that appear to be shared will be suspended or terminated without refund.
4. Billing and payment
4.1 Payment processor
All membership payments are processed by Stripe. We do not see or store your card details. By purchasing a membership, you agree to Stripe’s terms in addition to ours.
4.2 Prices
Membership prices are displayed on our Plans page at the time of purchase. Prices are quoted in the currency shown on that page and are inclusive of any applicable taxes unless stated otherwise.
4.3 Billing cycle
Memberships are billed on the cycle shown on the Plans page at the time of purchase — for example, monthly or annually. The first payment is taken immediately on purchase, and subsequent payments are taken on the same date each billing cycle.
4.4 Automatic renewal
Memberships renew automatically at the end of each billing cycle until you cancel. By purchasing a membership, you authorise us (via Stripe) to charge your registered payment method for each renewal. You can cancel auto-renewal at any time — see section 7.
4.5 Failed payments
If a renewal payment fails, we will attempt to take the payment again over a short period in line with Stripe’s standard retry schedule. If payment cannot be collected, your membership will be suspended, and access to members’ content will be paused until payment is received. If payment remains unpaid, your membership may be terminated.
4.6 Price changes
We may change membership prices from time to time. If we change the price of your current membership tier, we will give you at least 30 days’ notice by email before the change takes effect on your next renewal. If you do not wish to continue at the new price, you can cancel auto-renewal before the change takes effect (section 7). Price changes do not affect any membership period you have already paid for.
5. Your right to cancel and your express waiver
5.1 The statutory right to cancel
Under the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers in the UK normally have a right to cancel a distance contract within 14 days, without giving any reason.
5.2 The exception for digital content
Regulation 37 of those Regulations provides that this right to cancel is lost in respect of digital content that is supplied immediately, where:
- the consumer has given express consent to the supply beginning before the end of the 14-day cancellation period; and
- the consumer acknowledges that the right to cancel will be lost by giving that consent.
5.3 Your express consent and acknowledgement
A membership on this Site gives you immediate access to all members’ content on purchase. Because of this, at checkout you will be required to confirm both:
- your express consent to receiving immediate access to all members’ content; and
- your acknowledgement that, by doing so, you will lose your 14-day right to cancel under the 2013 Regulations.
You must tick the confirmation box and complete payment to purchase the membership. By doing so, you expressly waive your 14-day right to cancel.
5.4 If you do not wish to waive your right
If you do not wish to waive your 14-day cancellation right, you should not purchase a membership.
5.5 Confirmation on a durable medium
We will send you confirmation of your purchase, including a record of your express consent and acknowledgement under this section 5, by email to the address registered to your account.
6. No refunds
Because you receive immediate access to all members’ content on purchase, and because you have expressly waived your 14-day cancellation right under section 5:
- We do not offer refunds, in whole or in part, on any membership fee, whether your membership is monthly, annual, or any other duration.
- Refunds are not available if you cancel auto-renewal, if you stop using the Site, if you find the content does not meet your expectations, or if you change your mind.
- Refunds are not available if we suspend or terminate your membership for breach of the Terms of Service or these Membership Terms.
The only circumstances in which we will provide a refund are where we are required to do so by law — including:
- where we are in serious breach of the Consumer Rights Act 2015 (for example, where we have failed to perform the Service with reasonable care and skill, or where the digital content is not of satisfactory quality, fit for purpose, or as described) and a refund is the appropriate statutory remedy;
- where we voluntarily decide to provide a refund as a goodwill gesture (which we are not obliged to do); or
- where you are entitled to a refund under any other non-waivable provision of UK consumer protection law.
This is a strict no-refund policy. It exists because all our educational content is available to you from the moment of purchase, with no restrictions, and a refund would defeat the value already delivered. Please make sure you are ready to commit to a membership before purchasing.
7. Cancellation by you
7.1 How to cancel
You can cancel your membership at any time by:
- using the cancellation option in your account dashboard; or
- emailing us at info@investinformatics.com from the email address registered to your account.
7.2 What cancellation means
Cancelling your membership stops the automatic renewal of your membership. It does not trigger a refund (see section 6) and it does not end your current membership immediately.
7.3 Access until the end of the paid period
After you cancel, you will continue to have access to members’ content for the remainder of the billing period you have already paid for. At the end of that period, your membership will end and your access to members’ content will stop.
7.4 Reactivation
If you change your mind after cancelling, you can purchase a new membership at any time. We do not guarantee that the same tier, price, or content will be available when you do.
8. Suspension and termination by us
8.1 Suspension or termination for breach
We may suspend or terminate your membership at any time, with or without prior notice, if you breach these Membership Terms, the Terms of Service, or any other document referred to in them. The full list of grounds is set out in section 7 of the Terms of Service.
8.2 No refund on suspension or termination for breach
If we suspend or terminate your membership for breach, you are not entitled to a refund of any membership fee already paid. See section 6.
8.3 Termination by us for other reasons
If we terminate your membership for reasons that are not your fault — for example, because we permanently discontinue the Site or the membership tier you hold — we will provide a pro-rata refund of any fee you have paid for the unused portion of your current billing period.
9. Free memberships
If you hold a free membership (free tier), these Membership Terms apply to you to the extent they are relevant. The payment, refund, and waiver provisions in sections 4, 5, and 6 do not apply, but all other provisions — including those on eligibility, account sharing, suspension, and termination — do apply in full.
We may change, restrict, or end the free tier at any time without notice.
10. Changes to membership content and features
Members’ content is regularly updated. We may add, change, or remove content, features, tools, and tiers from time to time. We do not guarantee that any particular piece of content, feature, or tool will remain available throughout your membership.
We will not refund a membership because a particular piece of content has been removed or changed.
11. Changes to these Membership Terms
We may update these Membership Terms from time to time. When we do, we will update the “Last updated” date at the top of this page, post the revised Membership Terms on the Site, and notify registered members by email.
Changes that benefit members (for example, new features, lower prices, expanded access) take effect immediately. Changes that adversely affect members will take effect no earlier than 30 days after notice, and you may cancel auto-renewal before they take effect.
12. Disputes and complaints
If you have a complaint about your membership, please contact us first at info@investinformatics.com. We will respond as quickly as we can — typically within 5 working days — and aim to resolve the matter promptly.
If you are not satisfied with our response and you are a consumer in the UK, you may be entitled to use an alternative dispute resolution (ADR) scheme. We are not currently signed up to any specific ADR scheme but will respond fairly to any complaint raised through one.
You may also have the right to lodge a complaint with the Competition and Markets Authority (CMA) or Trading Standards if you believe we have breached UK consumer protection law.
13. Governing law and jurisdiction
These Membership Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising from or relating to your membership, save that nothing in this clause limits any non-waivable right of a consumer to bring proceedings in the courts of their country of residence.
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