TERMS & CONDITIONS

By using this website or our other services you are agreeing to comply with and be bound by the following Terms and Conditions of use, which together with our privacy policy form an agreement between you and us.

“Contrarian Investments”, “us”, “we” or “our”, refer to Contrarian Investments Ltd, a company registered in England and Wales. Our registered office is Springfield, The Hill, Winchmore Hill, Buckinghamshire HP7 0NY.
Our company number is 12126091.

“Publications” or “articles” refers to this website and any other material we publish, electronic or otherwise.

Changes to these Terms and Conditions

These Terms and Conditions may change at any time and your continued use of our services means you agree to be bound by any updated terms. If there are any major changes we will publish a notice on this website.

Information, not advice

Our publications do not offer investment advice and any information they provide should not be construed as investment advice. They provide information and education for investors who can make their investment decisions without advice. The information contained in our publications is not, and should not be read as, an offer or recommendation to buy or sell or a solicitation of an offer or recommendation to buy or sell any securities. Our publications are not, and should not be seen as, a recommendation to use any particular investment strategy.

No guarantee of accuracy or suitability

The information we publish has been obtained from or is based on sources that we believe to be accurate and complete. Although reasonable care has been taken, we cannot provide any warranty or guarantee as to the accuracy, timeliness, completeness or suitability of the information we provide for any particular purpose. You acknowledge that such information may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. The opinions expressed in our publications may be inaccurate and wrong and may change without notice.

Availability and access

We reserve the right to amend or withdraw access to this website at any time. We do not accept responsibility as to the operation, functionality or availability of this website. We do not warrant that the use of this website will be free of delay, interruption, interception or error. Some parts of the website are restricted to registered users. If you are a registered user you must treat any security information (such as but not limited to username and password) as confidential and you should not disclose them. We maintain the right to withdraw or limit your access to this website at any time if you break any of these Terms and Conditions. We shall have no liability to you for this withdrawal. In the event that your access is withdrawn, these Terms and Conditions will still apply.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

Data protection

We protect the confidentiality and security of your personal information in accordance with the requirements of the General Data Protection Regulations 2018. Please see below and refer to the Privacy Policy for further details.

Intellectual property

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics of the website. Reproduction is prohibited other than in accordance with copyright law. All trademarks reproduced on this website which are not the property of, or licensed to, us are acknowledged on the website. You may not use any part of the material on this website to establish, maintain, provide, or assist in establishing, maintaining or providing your own publications, internet site or other means of distribution.

Limitation of liability

You are solely responsible for your own investment research, decisions and results. You must carry out your own independent research before making any investment decision. Our publications do not take the specific needs, investment objectives and financial situation of any particular individual into consideration and any investments mentioned may not be suitable for you. You should not base any investment decision solely on the basis of the information that we publish. You should always carry out your own independent verification of facts and data before making any investment decisions. If you are unsure of any investment decision you should seek a professional financial advisor. Contrarian Investments is not a registered financial adviser and we do not provide investment advice or recommendations. We are not regulated by the Financial Conduct Authority. Contrarian Investments Ltd, its shareholders, officers, employees and any third party vendor will not be liable or have any responsibility of any kind for any loss or damage that you incur, for any reason, as a result of your use of our publications. This includes any failure or interruption of this website, or from any other cause relating to your access to or use of this website.

This website may include links to other websites. We have no responsibility for the content of linked websites and accept no liability whatsoever for any loss or damage arising from your use of any such websites.

We will not be liable for any loss or damage caused by any harmful material that may infect your computer equipment, computer programs, data or other material due to your use of this website or your downloading of material from it.

Indemnity

You agree to indemnify Contrarian Investments Ltd, its shareholders, officers and employees from and against all actions, claims, proceedings, costs and damages and all legal costs or expenses arising out of your use of our publications and any breach by you of any of these Terms and Conditions.

Disclosures

When content is published about a company and the writer own shares or has a beneficial interest in that company, that fact will be disclosed in the article. In addition to the above disclosure requirements, any of our writers cannot write about a stock two business days either side of buying or selling the stock.

Paid subscriptions

The following conditions apply to the paid subscription service, including the Contrarian Investments newsletter and subscriber-only area of this website (the “service”).

Restricted access

Access to the subscriber-only area is restricted. To access it you must have a current annual or monthly subscription.

By subscribing to the service you confirm that all of your registrations details are correct and that you will keep your details up to date by editing your user profile or by contacting me by email.

Access to the service will start from the day you subscribe and run for the subscription period you have chosen. Your subscription will automatically renew until you cancel your payment plan or request cancellation by email.

Your subscription cannot be transferred to or shared with anyone else.

Cancellations

If you cancel your paid subscription within 14 days of the first payment you are entitled to a full refund. There are no refunds after this 14-day period. If you subscribe and then cancel within 14 days more than once within a 12-month period you will only receive a refund for the first cancellation. We reserve the right to cancel your subscription, without notice or liability, if we determine that you have breached any part of these Terms and Conditions. We reserve the right to refuse to renew your subscription, which you will be notified of via the email address you have provided.

This website uses cookies to monitor your browsing preferences. If you do allow cookies to be used, your personal information may be stored by us for use by third parties: Please see the Privacy Policy page for more details.

Governing law

Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.

These Terms and Conditions were last updated on 01/07/2021.

SCHEDULE 1 - GDPR

DATA PROTECTION

1.1 In this agreement:

The Customer is the Controller and the Supplier is the Processor; and;

The types of Personal Data and categories of Data Subject which will be processed, the nature and purpose of that processing and the duration of that processing are Information on private individuals who have subscribed to the service. This is usually confined to name, address, email addresses, used usually over a period of a few months to a few years, to enable the Processor to be able to fulfil it’s part of the contract between the parties to deliver publications that the Controller has subscribed for.

1.2 In relation to the processing of Personal Data, the Supplier shall:

Only process Personal Data in accordance with the Customer's written instructions from time to time (which may be specific instructions or standing instructions of general application in relation to the Services, whether set out in this agreement or otherwise notified to the Supplier), unless such processing is required by any law (other than contract law) to which the Supplier is subject, in which case the Supplier shall (to the extent permitted by law) inform the Customer of that legal requirement before carrying out the processing;

Immediately notify the Customer if it considers that the Customer's instructions are in breach of the GDPR or other EU member state laws; and

Keep a written record of all such processing activities which shall include the information required to be kept under Article 30(2) of the GDPR.

1.3. In relation to the security and confidentiality of the Personal Data, the Supplier shall.

Ensure that it has in place appropriate technical and organisational measures to ensure a level of security for the Personal Data which is appropriate to the risks to individuals that may result from the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to the Personal Data;

In addition:

Ensure that only those of the Supplier's Personnel who need to have access to the Personal Data are granted access to such data and only for the purposes of the performance of this agreement and all of the Supplier's Personnel required to access the Personal Data are informed of the confidential nature of the Personal Data, comply with the obligations set out within this schedule, and are bound by appropriate confidentiality obligations when accessing the Personal Data; and

Not publish, disclose or divulge any of the Personal Data to any third party (including for the avoidance of doubt the Data Subject itself) unless directed to do so in writing by the Customer;

Not modify, amend or alter the contents of the Personal Data unless specifically authorised in writing by the Customer.

1.4 If the Supplier becomes aware of Personal Data breach, it shall notify the Customer without undue delay on becoming aware of such a breach.

1.5 The Supplier shall notify the Customer within five Business Days upon receiving the following:

A request from a Data Subject to have access to that person's Personal Data; or

A complaint or request relating to the Customer's obligations under the Data Protection Legislation; or

Any other communication relating directly or indirectly to the processing of any Personal Data in connection with this agreement.

1.6 The Supplier shall provide the Customer with full co-operation and assistance in order to enable the Customer to comply with its obligations under the Data Protection Legislation in relation to:

The Customer's obligations in relation to responding to Data Subject requests, including (but not limited to) the following:

Complying with the relevant timescales as set out in the Data Protection Legislation but strictly in accordance with the Customer's instructions;

Providing the Customer with any other information as so requested by the Customer in this regard,

The security of the Personal Data;

Notifying Personal Data breaches to the relevant supervisory authority;

Communicating personal data breaches to the Data Subject; and

Impact assessments and related consultations with supervisory authorities or regulators.

1.7 The Supplier shall:

Make available to the Customer all information that the Customer requests from time to time to enable the Customer to verify that the Supplier is in compliance with its obligations in this clause; and

Permit the Customer or its external advisers to inspect and audit the Supplier's data processing activities to inspect and audit the Supplier's data processing activities and those of its agents, subsidiaries and Sub-contractors.

1.8 This clause shall only apply in relation to the sub-contracting of Personal Data processing under this agreement:

The Supplier shall not engage or authorise a Sub-Contractor to process the Personal Data unless:

It has obtained the prior written consent of the Customer (which may be granted or withheld in the Customer's sole discretion) before transferring the Personal Data to any Sub-Contractors in connection with the provision of the Services; and

The Sub-Contractor has either entered into a direct contract with the Customer or a contract with the Supplier which incorporates the provisions equivalent to those in this agreement in relation to confidentiality, data protection and security, and

Where a Sub-contractor is appointed pursuant to this agreement, the Supplier shall remain liable for the acts and omissions of that Sub-Contractor as if they were the Supplier's own.

1.9 In relation to transfers of Personal Data to areas outside the European Economic Area (EEA):

The Supplier shall not transfer any Personal Data outside the EEA without the Customer's prior written consent; and

If the Customer consents to any transfers pursuant to this clause, the Supplier shall ensure that the following conditions are met in relation to such transfers:

The Supplier complies with its obligations under the Data Protection Legislation by ensuring that there is an adequate level of protection to any Personal Data that is transferred;

That there are appropriate safeguards in place in relation to that transfer;

That Data Subjects have enforceable rights and effective legal remedies; and

That the Supplier shall comply with any other reasonable instructions as notified to it by the Customer in relation to such transfers.

1.10 The Customer acknowledges that the Supplier is reliant on the Customer alone for direction as to the extent the Supplier is entitled to use and process the Personal Data. The Supplier shall be entitled to relief from liability in circumstances where a Data Subject makes a claim or complaint with regards to the Supplier's actions to the extent that such actions directly result from instructions received from the Customer.

1.11 On the expiry or termination of this agreement, the Supplier shall, without prejudice to and in addition to its obligations upon expiry or termination of this agreement, notify the Customer of the Personal Data that it holds. If requested by the Customer (or any replacement supplier as nominated by the Customer), a copy of all Personal Data in a non-proprietary format. Promptly after the reasonable period of time following such expiry or termination, the Supplier shall securely and permanently destroy all copies of Personal Data in its possession or control (other than any copy transferred to the Customer in accordance with this paragraph) unless the Supplier is required by law to retain any copies of such data. For the purposes of this clause 1.11, the Supplier shall be the Controller in relation to any such retained Personal Data, and shall process it solely as necessary to comply with its obligations under the GDPR.

1.12 The Supplier shall, at all times during and after the Term, indemnify the Customer and keep the Customer indemnified against all losses, damages, costs or expenses and other liabilities (including legal fees) incurred by, awarded against or agreed to be paid by the Customer arising from any breach of the Supplier's obligations under this agreement, except and to the extent that such liabilities have resulted directly from the Customer's instructions.