Please read these Terms of Use and the Content Guidelines (together, the "Terms") carefully, as they set out our and your legal rights and obligations about using our website and any of the services available. If you do not agree to these Terms, you must not use our website, regardless of whether or not you are a Registered User. If you register with our website, we will ask you to agree to these Terms expressly. Still, in the absence of registration, your decision to continue using this Website represents implicit acceptance of these Terms. Before accessing specific third-party material on the Website, you may also be asked to express your agreement to particular disclaimers about that third-party material.
In these Terms:
"Charges"means the subscription charges payable to Stock Visualizer by the Subscriber in respect of the Subscription Services;
"Content Guidelines" means the 'forum guidelines', 'posting guidelines', 'article guidelines' and 'editing guidelines' and 'basic etiquette guidelines' posted on our Website as amended by us from time to time;
"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);
"Registered User" means a person who has created an account with the Website;
"Stock Visualizer Content" means financial news articles, blogs and other textual content that we write and publish for free on the Website, identified by being authored by either Stock Visualizer News, Stock Visualizer Features or our staff;
“Subscription Service”means one of the paid-for data and screening subscription services (“Stock Visualizer Data”) and data analysis tools available on the Website from time to time, including but not limited to the Stock Visualizer Premium services;
“Subscriber” means a Registered User who has subscribed to a Subscription Service;
“Third Party Content” means financial news, articles, advertising and 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),
“Stock Visualizer Data” means data that we source from third-party data suppliers and any intermediate algorithms and calculations that we undertake in respect of that data;
"Trial Period" means a period during which the Subscriber can access a Subscription Service without paying the Charges;
"Use" means any use whatsoever and includes, without limitation, viewing, storing, reproducing, displaying, publishing, distributing, broadcasting and creating derivative works;
"User Content" means content (including without limitation video, textual, graphic, photographic, audio and audio-visual content) uploaded or otherwise provided for publication by a Registered User for Use on or about the Website and
"Website" means the website at https://www.stockvisualizer.com or any successor site we operate occasionally.
References in these Terms to "we" or "us" mean Fingertip Media Ltd, and references in these Terms to "you" mean the person using the Website or holding a Registered User account with the Website.
We or our licensors own the Intellectual Property Rights in the Website and material on the Website. You may view and download material from the Website for caching purposes only and print material from the Website, in each case for personal use only, subject to the restrictions below. Non-personal use is a violation of these Terms. Save to the extent that you own (or are appropriately 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) edit or otherwise modify any material from the Website except by the Content Guidelines; (d) make any charge about or carry on by way of business any activities about any material obtained from the Website; or (e) show (whether for commercial purposes or not) any material from the Website in public. 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 about 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 must not use the Website in any country where its use is or would be prohibited by local laws.
You may only use the Website if you are at least 18.
Access to certain areas of the Website is restricted to Registered Users and may be further restricted to Subscribers. At our discretion, we reserve the right to restrict access to other website areas or the whole Website. You must not use any other person's login details or password to access restricted website areas.
To become a Registered User, you must create an account using the Website interface and click on the activation link in the email that we will send to you. Registered Users gain access to additional services and restricted areas on the Website, which may include (i) the ability to submit and edit articles on the Website, (ii) the ability to subscribe to RSS/Atom feeds, (iii) the ability to submit posts to our Website forums and to rate others' posts; (iv) access to our virtual fund trading facility; (v) the facility to create a detailed profile which may be made available via the Website; (vi) access to our Website-based messaging system; (vii) in the case of Subscribers only, access to the Subscription Service.
Registered Users must not allow any other person to use their user ID and password and must ensure that they keep them confidential. Registered Users accept responsibility for all activities under or about their user ID and password. Registered Users will provide proof of their identity and age upon our request.
We may also be required by law or regulation to identify Registered Users and disclose their details to a third party, including the relevant legal or regulatory authority, if they request us to do so.
We may alter or restrict the services and areas Registered Users can access and delete any Registered User's account at our sole discretion without notice or explanation.
You grant to us for the entire term of copyright (including any extensions, renewals, restorations, revivals and reversions) a non-exclusive royalty-free irrevocable licence to Use the User Content that you submit to the Website, any part of that User Content, and any derivative work based on that User Content and created under these Terms, on or about the Website, any other website and any other media available now or at any time in future. You grant us the right to sub-license any or all of these rights. Under Section 101A of the Copyright, Designs and Patents Act 1988, you also grant us the right to bring an action for infringement of any or all of these rights.
You warrant and undertake that you own or have the right to license the relevant Intellectual Property Rights in all User Content you submit to the Website per these Terms.
You must ensure that your User Content, and the Use of that User Content by these Terms, does not constitute:
(a) a financial promotion, an advertisement for any particular investment or investment business, or an invitation or inducement to engage in investment activity;
(b) investment advice, or advice to an investor or potential investor (or an agent for such a person) on the merits of buying, selling, subscribing for or underwriting a particular security or contractually-based investment or exercising any right conferred by such an investment to buy, sell, subscribe for or fund such an investment;
(c) the making of an arrangement for another person (whether as principal or agent) to buy, sell, subscribe for or underwrite a security, a contractually-based investment, or an investment of the kind specified by Article 86 or Article 89 (so far as relevant to that article) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001; or
(d) any financial service or activity regulated or controlled by or under the Financial Services and Markets Act 2000, the Financial Services and Markets Act 2000 (Financial Promotions) Order 2005, or any other applicable law.
You also agree to disclose any material interest you or your associates may have when contributing to your User Content. The restrictions above do not prevent you from posting general and generic financial information on the Website to the extent that they do not constitute carrying on regulated investment or the communication of a financial promotion under the Financial Services and Markets Act 2000.
You must ensure that your User Content, material linked to by the User Content, and the Use of User Content are by these Terms:
(a) does not infringe any third party's rights (including without limitation Intellectual Property Rights, reputational rights, rights of confidence and rights of privacy);
(b) does not give rise to any cause of action in any jurisdiction, whether against us, you or a third party;
(c) does not violate any law, statute, ordinance, regulation, legally binding code or market conventions in any jurisdiction (including, without limit, financial services regulations) whether in the United Kingdom or elsewhere;
(e) is not pornographic or sexually explicit;
(f) does not duplicate or substantially duplicate User Content previously published on the Website;
(g) is not threatening, abusive, harassing, menacing or contrary to the principles of Internet etiquette;
(h) does not constitute spam or marketing material (any promotional activity should only take place through your Profile, as discussed here (insert link)); and;
(g) does not contain any viruses, Trojan horses, worms, time bombs or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.
You must keep yourself informed about the contents of the Content Guidelines (https://www.stockvisualizer.com/Content_guidelines ) and ensure that your User Content and your User Behaviour align with the Content Guidelines. We do not undertake to monitor your use of the Website or the posting of User Content by you or any third party on the Website. Nor do we warrant that the Users of the Website have adhered to these Terms, although we use reasonable endeavours to remove User Content which breaches these Terms after it has been brought to our attention. If you become aware of any User Content on the Website which breaches these Terms, you should notify us of that content immediately. You acknowledge that we may edit, delete and move User Content without notice or explanation.
Subject to the Stock Visualizer Data warranties in Section 7 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. However, we will make reasonable endeavours to remove third-party content that 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.
You acknowledge that the Website and the material on the Website may be changed from time to time without notice. As we provide Stock Visualizer Content as a free service to all our users, we offer no warranties concerning the preparation and publication of this content. Where we provide Stock Visualizer Data as part of a paid Subscription Service, we warrant that we will take reasonable care in respect of ensuring the accuracy of that Stock Visualizer Data (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. Suppose we are notified of a possible error in the Stock Visualizer Data. In that case, we will endeavour to notify our supplier of this issue, although we are still determining if they will be willing to correct the identified error.
Notwithstanding the warranties above, Stock Visualizer is not authorised to give investment advice, and nothing on the Website should be interpreted as Stock Visualizer seeking to offer such advice. Stock Visualizer Content, Stock Visualizer Data, User Content and relevant Third Party Content are provided ‘as is’ and may contain errors or inaccuracies. You should seek confirmation from an authoritative third-party source of any information on the Website you may wish to rely on. Use of Stock Visualizer Content, Stock Visualizer Data, User Content and Third Party Content is solely at the Subscriber’s risk.
Subscriber acknowledges that using and interpreting the Stock Visualizer Data and any data analysis tools provided as part of the Subscription Service requires skill and judgment. Subscribers shall always exercise their skill and judgement when using and interpreting the subscription service. They shall be solely responsible for the purposes for which it is used and for all opinions, recommendations, forecasts and other comments made or actions taken by Subscribers based wholly or partly on the Stock Visualizer Data and data analysis tools.
Subscriber acknowledges that using and interpreting the Stock Visualizer Data and any data analysis tools provided as part of the Subscription Service requires skill and judgment. Subscribers shall always exercise their skill and judgement when using and interpreting the subscription service. They shall be solely responsible for the purposes for which it is used and for all opinions, recommendations, forecasts and other comments made or actions taken by Subscribers based wholly or partly on the Stock Visualizer Data and data analysis tools.
Stock Visualizer’s Subscription Service includes access to pre-defined investor screens based on the work of famous investors. You should consider the results of any screen as candidates for further research, not as a buy list or a set of recommendations.
These investor screens are intended purely as an educational tool to test the performance of different investment approaches in the various markets. Our performance tracking ignores the impact of spreads, commissions, and dividends. While this means that the reported performance is likely to be unachievable, this allows a valid comparison of different investment styles under the same market conditions.
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 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 (including our Registered Users) from time to time is the sole responsibility of the third party who has submitted that material. Please let us know if you need to be made aware of any inaccuracy or error on the website.
You will indemnify us and keep us indemnified against any loss, damage, expense, cost or liability incurred or suffered by us arising out of any breach by you of any of these Terms or arising out of any claim that you have breached any of these Terms.
Our Website is a financial data and news portal, discussion forum and content aggregator. Stock Visualizer 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 giving or receiving financial advice, advice concerning investment decisions or tax or legal advice. The Financial Services Authority does not regulate us.
We are an educational forum for analysing, learning, and discussing general and generic information related to stocks, investments, and strategies. No content on the site constitutes—or should be understood as constituting—a recommendation to enter into 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 on whether a stock or investment approach suits a specific individual's financial needs.
Much of the content on this site is user-generated and, as such, impossible to monitor effectively. Excluding the Stock Visualizer Content and Stock Visualizer Data, all of the information on our Website about businesses, companies, investment strategies, investments and investment opportunities is provided by our Registered Users and other third parties. We act as a mere conduit for this information published on our Website, and we do not select, monitor, edit, modify, review, evaluate or otherwise oversee the information or the publication of the information on our Website.
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 criteria for investing/trading.
Stock Visualizer Content and Stock Visualizer Data are intended to be used and must be used for informational purposes only. It is essential to do your analysis before investing based on your circumstances. You should take professional financial advice in connection with, or independently research and verify, any information you find on our Website and wish to rely upon, whether to make 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, for any damage, expense, or other loss you may suffer arising out of such information or any reliance you may place upon such information.
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. Accordingly, if it is prohibited to make information provided on this Website or any part thereof available in your jurisdiction or to you (because of nationality, residence or otherwise), the Website or any part thereof is not directed at you.
We do not accept any liability for any costs, losses or damages resulting from, or related to, the Website's availability or content to persons in any jurisdiction or to persons who are nominees of or trustees for citizens, residents, or nationals of other countries.
We want 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.
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 about any event or series of related events that will not exceed UK £1, save as in respect of Subscribers, regarding which our liability shall be limited to the Charges paid by the Subscriber in question
You agreed to the publication of feedback and comments about you by others on the Website; you acknowledge that such feedback and comments may be critical or defamatory. You agree that you will not hold us liable for any such feedback and comments, irrespective of whether we are aware of or ought to have been aware of such feedback and comments. Nothing in these Terms will exclude or limit our liability for fraud, death or personal injury caused by our negligence or any other liability that cannot be excluded or limited under applicable law.
The Website includes links to other websites. These links are not recommendations and are provided for your information only. We have no control over the contents of those websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
STOCK VISUALIZER and our logo are trademarks of ours. We do not permit using these trademarks, which 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.
Without prejudice to our other rights under these Terms, if you (including for the avoidance of doubt Registered Users and 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) delete, move or edit any of your User Content;
(b) send you one or more formal warnings
(c) temporarily suspend your access to the Website and the Subscription Service;
(d) delete your account;
(e) permanently prohibit you from using the Website and the Subscription Service;
(f) block computers using your IP address from accessing the Website;
(g) contact your internet services provider and request that they block your access to the Website and
(h) bring court proceedings against you for breach of contract or otherwise
Where we suspend, prohibit or block your access to the Website, part of the Website, and the Subscription Service, you must not take any action to circumvent such suspension prohibition or block (including without limitation using a different account).
The duration of any Trial Period shall be as specified on the Website. During the trial period, the Subscription Service shall be free of charge.
Unless you provide Stock Visualizer with notice to terminate the Subscription Service before the end of the Trial Period (by unsubscribing on the Website), the Charges provisions shall apply and govern your ongoing Use of the Subscription Service.
After the Trial Period expires, you shall be liable to pay the Charges. You accept that by providing your Paypal account or your credit or debit card details, you authorise Stock Visualizer to deduct the Charges (or instalments of the Charges) using such payment method (as applicable) regularly and in advance until you terminate or cancel your subscription to the Subscription Service.
The amount of the Charges shall be displayed on the Website and may change occasionally. However, when we bill you for any upgrade modules, we will only do so based on your request for these modules and with your consent to the proposed upgrade pricing.
You may only have one Trial Period. If we determine that you have already used a Free Trial Period with the Subscription Service, you will immediately be billed for the Charges.
Subject to the Trial Period provisions above, in consideration for the provision of the Subscription Service, Subscribers agree to pay the Charges applicable to the Data plan which they have selected as detailed on the Website and updated from time to time. Without prejudice to its rights to recover the sums outstanding from the Subscriber, should Stock Visualizer not be able to withdraw any part of the Charges from the Subscriber’s Paypal account or credit or debit card, Stock Visualizer reserves the right to:
At the end of each subscription period, a subscription will continue to automatically renew at the prevailing fee rate applicable to the Data plan selected by the Subscriber unless terminated by us or until the Subscriber notifies us of their decision to cancel their subscription to the Services.
Either party may terminate this agreement to access the Subscription Service, which, in the case of the Subscriber, may be communicated to Stock Visualizer by the Subscriber unsubscribing to the Website. Suppose the Subscriber terminates this agreement to access the Subscription Service. In that case, the Subscriber shall ensure that it pays Stock Visualizer all Charges owing up until the date of termination (including any outstanding interest) and will be entitled to use the service until the end of that billing period. The Subscriber shall not be entitled to any refund of charges it has already paid to Stock Visualizer.
Under Part III of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you might otherwise have the right to cancel the agreement to access the Subscription Service without charge for 14 days after the day this Agreement has been concluded. However, when you complete your order for our Subscription Service, you agree that the Product is immediately available to you (i.e. before the end of that cancellation period) and that we have immediately commenced providing the services for the Regulations. As the services are provided at your request, you lose your right to cancel under the Regulations. It is only on the basis of this understanding that we are willing to offer you the free Subscription Trial Period outlined above. Any billing assistance will be provided by email (hello@stockvisualizer.com). Our customer service centre will be open business days and hours Monday to Friday and closed on weekends.
Our data subscription offers will remain in "beta" until we indicate otherwise. From time to time, Stock Visualizer may also offer you access to certain new website features as a "beta user". If you use beta features, you acknowledge that these features may still need to be fully bug-tested and may contain significant errors and issues. You undertake to notify Stock Visualizer of any bugs you may find, where possible. You also accept that access to these features may be withdrawn at any time, without any notice given, if we decide that these features are to form part of a separate subscription offer.
Suppose any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction. In that case, the remaining provisions 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 considered 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.
User Content posted on the Website may be retained by us online or archived for ten years. 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 on the Website. If you are a Registered User or Subscriber, we may notify you of the variation. Your continued use of the Website after a variation will constitute your acceptance.
Using this website, you agree to our Content Guidelines (available at (https://www.stockvisualizer.com/Content_guidelines) and ensure that your User Content and your User Behaviour align with the Content Guidelines and Basic Etiquette Guidelines.
When interacting with any staff or Registered user at Stock Visualizer (whether online or offline in their professional capacity), you agree to treat them with reasonableness, courtesy, professionalism and respect while avoiding the use of aggressive, demeaning, hostile, aggravating, upsetting, intimidating or uncivil language, as determined by us and in our absolute discretion. This is without prejudice to your ability to disagree and express a contrary opinion to someone else, provided such expression complies with the rules above. We reserve the right to terminate your Account or Subscription Services with us if we judge that your behaviour has fallen below these standards. If we exercise this power, you can submit an appeal to us at hello@stockvisualizer.com, which our Support Committee will consider, whose determination shall be absolute and final on the matter and not subject to review by any court or tribunal. Stock Visualizer is a DIY investment platform. We are not authorised or able to give financial advice or answer questions which, in our judgment, constitute doing so. Users are encouraged to consult our FAQs (https://www.stockvisualizer.com/faq)to answer common questions. Where an answer is not provided or is unclear, Users are encouraged to contact us for clarification or assistance, and we will endeavour to answer any question in good faith. Nonetheless, where a User or Subscriber is making excessive requests to our support team and, in our judgment, is incurring a disproportionate support cost, we reserve the right to limit the number of responses we provide in a given period. In cases where multiple support queries are raised in bad faith (as judged by us, and include, but are not limited to, irritating behaviour, pedantic comments, unreasonable requests, queries or comments designed to agitate or that have the effect of upsetting stuff not unreasonably; questions or comments where the User has no intention of becoming a Subscriber; auto-generated or comments or questions which are judged to be spam), we reserve the right to terminate the User or Subscriber’s account, in our absolute discretion.
The Website is owned and operated by Fingertip Media Ltd. Our registered office address is Fingertip Media Ltd, 23, Office 2, Triq Giuseppe Calleja, Swatar, Msida MSD2270, Malta. Our company registration number is C104304. If you wish to contact us, please email us at hello@stockvisualizer.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 about you, and they may not be accessible on the Website in future. These Terms are available in the English language only.
Last updated 01 July 2024