The Daily Reckoning UK

Terms And Conditions

These are the terms and conditions which apply to your subscription to publications (both free and paid, online and hard copy) conference and seminar bookings, the purchase of conference and seminar materials and your use of websites, including the discussion groups and other public forums (the “Services”) provided by Agora Financial UK Ltd.

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 us (the “Agreement”).

Agora Financial UK Ltd is registered in England and Wales with the company number 1937374. Registered office: 8th Floor, Friars Bridge Court, 41-45 Blackfriars Road, London SE1 8NZ. VAT No GB629 7287 94.

We Welcome Contact

We positively encourage telephone calls and emails about our Services. If you have a general query please contact our customer services department on 020 7633 3600. Their opening hours are 9am to 5.30pm Monday to Friday, excluding public holidays. Please note that calls may be recorded and monitored to help improve our Services.

FCA Regulation

Agora Financial UK Ltd is authorised and regulated by the Financial Conduct Authority. FCA No 115234.

Not all of Agora Financial UK Ltd‘s products are regulated by the FCA. Only those products which are regulated by the FCA fall within the scope of the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Full details of Agora Financial UK Ltd‘s complaints handling process for regulated services are available on request to customer services or by clicking If you are dissatisfied with our handling of a complaint relating to one of our regulated services, you may be entitled to refer the matter to the Financial Ombudsman Service.

In the event of Agora Financial UK Ltd‘s 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.

Agora Financial UK Ltd‘s regulated Services will provide you with advice on investments and they may also facilitate arrangements for you to act on our published advice. In providing this service, we will treat you as a retail client for the purposes of FCA rules.

Advice

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.

Product Information

Paid for Services

Special Offers, Trials, Refunds and Renewals

All prices quoted are inclusive of applicable taxes and delivery costs.

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. The period for which you are subscribing will be set out in the order form.

Direct Debit and Continuous Credit Card payment renewals

If you pay for your subscription by direct debit or continuous credit card, your subscription will continue automatically until you cancel it. By opting to subscribe in this way, you are agreeing that your subscription will renew automatically at the rate then in effect (less any discount which might apply).

We will notify you in advance of any change to your subscription price. If you wish to cancel, you may do so at any time.

Refunds

Subscription products – We offer a trial period for our own subscription products. If you are not completely satisfied with your product, you can cancel your subscription during this period and any payment taken will be refunded.

You may cancel orders for one-off reports at any time before we email the report or links to you (in which case we will refund in full any payment taken from you), however we do not offer a refund on all reports after that email has been sent. Please check the order form for details.

Any refund will be processed within 14 days of your request to cancel the subscription.

Purchases at or following free seminars – We offer full refunds on products or paid for seminars purchased at or following free seminars run by us. The refund period runs for 14 days from the date on which we send you confirmation of your order.

Other companies’ products – From time to time we promote other companies’ products. Whilst we encourage our partner companies to offer as generous a refund policy as we do, their refund policy may differ, so please ensure you check their refund policy before ordering.

Confirmation of Your Order

If you order one of our Services, or buy a product or a paid seminar at or following a free seminar, within two working days of your order you will be sent an email which confirms receipt of your order. It will not contain the payment details provided by you.

In the event of any non-authorisation of your payment, a customer services representative will contact you by telephone (if you have supplied your number) or by email or letter, to check the details you have supplied, and re-try the authorisation process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.

Registration

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 register or 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.

Ending a subscription

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.

Conferences and Seminars

Refund terms and conditions are set out in the on-line booking form.

Speakers at conferences and seminars may talk about trading and trading strategies. Any advice given is non-personal in nature and no assessment of suitability for individuals will be made.

Photos may be taken and audio recordings may be made at our conferences and seminars. By attending the conference or seminar you consent to being photographed and to the recording of any questions or comments you make. You grant to Agora Financial UK Ltd the right to use and publish your image and voice and anything you say at the conference or seminar, which may be edited without further consent. You also waive any moral rights you might have in any recorded statement and accept that no compensation is given for the recording and any further use.

If you have questions, but would prefer not to appear on the audio, please save your questions for the breaks between sessions which will not be recorded.

Advertising in free emails

We fund our free emails (The Daily Reckoning, Agora Insider, Profit Watch, Betting Rant, Your Own Online Business, Penny Sleuth, Executive Bulletin and More Money Review) by taking advertising. There may be small ads in each free email, and then two or three times a month we will send you separate promotional emails, which will contain advertisements from us or from other companies.

By subscribing to any of our free emails, you are consenting to receive these promotions. We cannot send you a free email alone without the promotional emails.

Marketing using unsolicited email messages

We only send emails promoting Agora Financial UK Ltd (and its sister companies, MoneyWeek Limited, Southbank Investment Research Limited, Agora Lifestyles Limited, Agora Health Limited and Agora Inc) or its products to those who have agreed to receive such messages. We prohibit any advertising of Agora Financial UK Ltd or its products using unsolicited emails.

If you believe that you have received unsolicited emails from one of the above companies group that you did not give permission to receive please contact us by clicking here.

Copyright

Copyright in all information, text and images featured on this site and in the Services, is owned by or licensed to Agora Financial UK Ltd. Provided that you acknowledge us as the source of the information, you are entitled to save or download one copy of any of the information on this site for the purposes of reference, but you are not entitled to make any further copies of that work.

With any saving or otherwise copying from this website the terms and conditions for use shall be deemed to have been accepted. All property rights shall remain with Agora Financial UK Ltd. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose this website without our prior written permission.

Reliance on content

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 Services is up to date and accurate, but we do not guarantee the accuracy and currency of the information.

The information and opinions expressed do not necessarily reflect the views of every contributor to Agora Financial UK Ltd. We acknowledge differences in opinion and welcome the exchange of different viewpoints.

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 may be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.

Links to sites that may interest you

We may provide links to other websites owned by Agora Financial UK Ltd or associated companies. We may also provide links to third party sites. Some of these links may generate revenue for us at the time are clicked on or if someone subsequently uses the services of that third party. All links are provided because we think they may be of interest to you. We do not endorse or recommend any third party sites, and our editorial is not influenced by the fact that a link may or may not generate revenues.

Publishing your views on our websites

Agora Financial UK Ltd 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.

Sharing Data Rules

We have a duty to fellow publishers to prevent product sharing and a duty to ensure the safety of all our members using the site.

You agree:

  1. not to tout for business or encourage other members to trial unpublished systems.
  2. not to post personal email addresses on the site.
  3. not to participate in product sharing or encourage illegal methods of obtaining products.

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.

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.

Other

The failure of Agora Financial UK Ltd 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.

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.

Agora Financial UK Ltd may use UK and European credit reference agency (CRA) records about you to prevent crime, fraud and money laundering.

Last updated January 2017.

From time to time we may tell you about regulated products issued by Agora Financial UK Ltd. With these products your capital is at risk. You can lose some or all of your investment, so never risk more than you can afford to lose. Seek independent advice if you are unsure of the suitability of any investment.