Terms and conditions

General information
Please read this carefully. These are the terms and conditions which apply to your subscription to the saltydog investor newsletter and your use of the saltydoginvestor.com website, discussion groups and other public forums (the "Services").

These Services are provided by saltydog investor ltd.

By using our Services you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and saltydog investor limited (the "Agreement"). These terms apply to your use of the Services and all their content both irrespective of the delivery platform you use – e.g. desktop PC, laptop, mobile device or otherwise – and irrespective of how the content is delivered to you – e.g. via hard copy, web browser, Mobile Internet browser, email, SMS or otherwise.

Each subscription is for a single user only.

If we change our terms and conditions, we will notify you of those changes here.

If there is anything you do not understand, or you have a query, please feel free to email us at info@saltydoginvestor.com

saltydog investor limited is registered in England and Wales with company number 6743621 and VAT number 988 9314 47. Our registered address is: Hillcrest, Broadway, Emborough, Radstock. BA3 4RY.
Subscription services
Payment, Cancellation & Non-Authorisation

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

You can pay by credit or debit card. By submitting your card payment details you warrant that you are entitled to purchase the Services using those payment details. The fees are payable in advance by way of monthly subscription and are non-refundable.

Payment will be collected monthly. If you are not completely satisfied with the Services you can cancel your subscription at any time.

In the event of any non-authorisation of your card, a customer services representative will contact you by telephone (if you have supplied your number) or by email, to check the details you have supplied, and re-try the authorisation process.
If you wish to have access to subscriber-only services and unrestricted access to the subscriber-only content of the website, you will need to subscribe with us. When you subscribe you will be required to provide certain personal information. That information must be true, accurate, correct and complete, and you must notify us immediately of any changes to that information.

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.

saltydog investor limited does not permit any other person sharing your user name or access through a single user name being made available to multiple users on a network or within an organization.

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 subscription 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.
Copyright and trade marks
Copyright in all information, text and images featured in the Services, is owned by or licensed to saltydog investor limited (the "saltydog content"). Provided that you acknowledge saltydog investor limited as the source of the information, you are entitled to save or download one copy of any of the saltydog content for the purposes of reference, but you are not entitled to make any further copies of the work.

All property rights remain with saltydog investor limited. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of the saltydog content without the prior written permission of saltydog investor limited. saltydog is a trade mark owned by saltydog investor limited.
Refer a friend
A referral is validated when the ‘Friend’ signs up for the 2 month free-trial and subsequently continues with the paid subscription for a further two months.

Once a referral is validated, the Referrer will receive an email notification from us to arrange for payment.

The standard referral reward is £50.

Please make sure that your friend is happy to hear about Saltydog Investor before you refer them.

This offer is not applicable when the Friend is, or has at some previous time, been a subscriber with Saltydog Investor.
Reliance on content
We provide general information only and it is not intended to be relied upon by users in making (or not making) specific investment decisions. The content is not personal to you and cannot take into account 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 content in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional.

We try to ensure that the content is up to date and accurate, but we do not guarantee the accuracy and currency of the information.

We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, on rare occasions access 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 third party sites. Some of these links may generate revenue for us at the time they are clicked on, or if someone subsequently uses the services of that third party. Links will only be provided if 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
We 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:

(a) to use the Public Areas in accordance with all relevant laws and not for any illegal purpose;

(b) not to post, link to or publish any messages on the Public Areas which:

(i) 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;

(ii) impersonate any person or entity, or misrepresent any affiliation with any person or entity;

(iii) are defamatory, offensive, inflammatory, hateful or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;

(iv) 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;

(v) 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

(vi) contain any form of advertising or promotion for goods and services or any chain messages or "spam";

(c) 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;

(d) not to attempt any unauthorised access to any part or component of the Services.
You are responsible for the content of your messages and you are liable for activities conducted by you, or by others authorised by you, or otherwise acting on your behalf.

By submitting messages to a Public Area you agree to indemnify us against all claims, costs and expenses (including reasonable legal and administrative expenses) arising out of any such messages.

The Public Areas contain messages submitted by users over whom we have no control. We cannot guarantee the accuracy, integrity or quality of these messages. Some users may breach these terms and conditions and post messages that are misleading, untrue or offensive. You bear all risk associated with your use of the Public Areas and you should not rely on messages in making (or not making) any specific investment or other decision. In the event that you have any right, claim or action against any users arising out of that user's use of the Public Areas, then you will pursue such right, claim or action independently of, and without recourse to us.

We expressly exclude our liability for any loss or damage arising from the use of the Public Areas by any person in contravention of these terms and conditions.
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.
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.
The failure of saltydog investor limited to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. The section titles in these terms and conditions are for convenience only and have no legal or contractual effect. This Agreement operates to the fullest extent permissible by law. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions.

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.