These Terms of Use govern access to and use of The Literate Investor website and the content made available through it.
The website theliterateinvestor.co.uk is operated by The Literate Investor Limited (“TLI”, “we”, “us” or “our”).
By using this website, you agree to these Terms of Use. If you do not agree, you should discontinue use of the website.
The Literate Investor Limited
Registered in England and Wales
Company number: 17322486
Registered office: 11 Consort Close, Dukinfield, England, SK16 4XX
About The Literate Investor
TLI is an independent investment research and publishing business producing investment research, ratings, market commentary, professional intelligence and related publications and services.
Certain areas of the website, particularly Research & Ratings, are intended primarily for financial advisers, wealth managers, discretionary fund managers, fund selectors, asset managers and other investment professionals.
Regulatory status and advice
The Literate Investor Limited is not authorised or regulated by the Financial Conduct Authority.
Information published on this website is provided for general information, professional research and investment-research purposes. It does not constitute personalised financial advice or a recommendation based on an individual’s circumstances, objectives, financial position or risk tolerance.
TLI does not provide personalised financial advice to retail investors. Nothing on this website constitutes an offer, invitation or solicitation by TLI to transact in an investment, security, fund or financial instrument.
Users remain responsible for determining whether information is appropriate for their purposes and, where relevant, obtaining appropriately authorised professional advice.
Research use: TLI ratings and publications represent research opinions, not guarantees of future performance or substitutes for independent investment assessment.
Research and ratings
TLI may publish research opinions and ratings concerning investment funds, investment trusts and other investment strategies.
These represent assessments of evidence available at the relevant research date and may subsequently change.
A TLI Premier™ rating is not a guarantee of future performance and should not be relied upon as the sole basis for an investment decision.
Investment managers do not pay to receive Premier. Any subsequent licensing arrangement is separate from the underlying research decision.
Further details are available in the Research Methodology and Independence & Conflicts Policy .
Intellectual property
Unless otherwise stated, the website and its original content are owned by or licensed to The Literate Investor Limited.
This includes research, articles, ratings, methodology, data presentations, graphics, logos, design elements, reports, commentary, documents, rating marks and other original materials.
LIMANTIQ™ and TLI Premier™ are trade marks of The Literate Investor Limited. All applicable intellectual property rights are reserved.
Permitted use
Users may access publicly available TLI content for legitimate personal or professional information purposes.
Users may link to publicly accessible TLI web pages, provided that links are presented fairly and do not imply endorsement, partnership or a commercial relationship that does not exist.
Reasonable quotation may be permitted where consistent with applicable copyright law and accompanied by appropriate attribution.
Prohibited use
Unless authorised by TLI or permitted by law, users must not:
- Reproduce or republish substantial parts of TLI research or publications without permission.
- Sell or commercially redistribute TLI content without appropriate rights.
- Remove copyright, trade mark or attribution notices.
- Use TLI rating marks without an appropriate permission or licence.
- Misrepresent research, ratings or their currency.
- Imply an endorsement, partnership or association that does not exist.
- Systematically extract or scrape website content for unauthorised commercial use.
- Attempt unauthorised access, introduce harmful technologies or interfere with website security.
- Use the website for unlawful purposes.
TLI Premier™ rating mark
The TLI Premier™ mark is proprietary intellectual property.
The appearance of a Premier rating on this website does not automatically authorise a manager, distributor or other third party to reproduce the mark within its own communications.
Commercial use requires an appropriate licence. TLI may request the removal of unauthorised uses and take appropriate steps to protect its rights.
Professional services and materials
TLI may offer commercial licensing, consultancy, adviser intelligence and other professional services.
Separate agreements, engagement letters or licensing terms may apply. Where relevant, those specific contractual terms will take precedence over these general website Terms in relation to the services concerned.
Professional firms using, reproducing or adapting TLI materials remain responsible for their own regulatory obligations, compliance procedures and client communications.
TLI materials should not be represented as personalised advice from TLI to an end client.
Investment risk
Investment involves risk. The value of investments and income may rise or fall, and investors may receive back less than originally invested.
Past performance is not a reliable indicator of future performance.
Investment strategies may involve market, credit, interest-rate, currency, liquidity, leverage, gearing and other investment-specific risks.
Professional users remain responsible for assessing relevant investment risks in the context of their own activities and clients.
Accuracy of information
TLI seeks to produce research and information with appropriate care.
Information may originate from third-party sources, investment managers, data providers or public publications, and may be incomplete, inaccurate or become outdated.
To the extent permitted by law, TLI does not warrant that all website information is complete, accurate, error-free or current at all times.
Users should independently verify material information where appropriate.
Website availability and security
TLI aims to maintain website availability and security but does not guarantee uninterrupted access or freedom from technical problems, viruses or malware.
TLI may suspend access, modify functionality, remove or update content, undertake maintenance or withdraw services where reasonably necessary.
Users are responsible for appropriate security and virus-protection measures on their own devices and systems.
Users must not knowingly attempt to compromise the security, integrity or availability of the TLI website.
Third-party websites
The website may contain links to external websites for information, reference or convenience.
TLI does not control those sites and is not responsible for their content, availability, accuracy, security or privacy practices.
The inclusion of a link does not necessarily constitute endorsement.
Embedded content and external services
The website may use third-party services including video embeds, social-media content, analytics, contact forms and email technologies.
Interactions with such services may also be governed by their providers’ terms and privacy policies.
Further information is available in our Privacy & Data Protection Notice .
Communications with TLI
Users submitting enquiries, due diligence responses, investment information or other research materials are responsible for ensuring they are entitled to provide that information.
Users should not knowingly submit unlawful, misleading or rights-infringing materials.
Information supplied to TLI may be used for legitimate research, business and professional purposes, subject to applicable law and TLI’s privacy policies.
Limitation of liability
Nothing in these Terms excludes or limits liability where doing so would be unlawful.
Subject to that qualification, TLI does not accept responsibility for investment performance or decisions made by users relying solely upon general website content as though it constituted personalised investment advice.
To the extent permitted by law, TLI will not be responsible for indirect or consequential losses arising from the use of, inability to use, or reliance upon the website.
Nothing in these Terms excludes liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded.
Privacy and cookies
Personal information obtained through the website is processed in accordance with the Privacy & Data Protection Notice .
Information concerning cookies and similar technologies is available in TLI’s Cookie Notice.
Changes to these Terms
TLI may update these Terms as the website, its activities or applicable legal requirements develop.
The latest version will be published on this page. Continued use after publication of revised Terms will be subject to the updated Terms, to the extent permitted by law.
Governing law
These Terms and disputes arising from use of the website are governed by the laws of England and Wales.
The courts of England and Wales will have jurisdiction, subject to any mandatory rights or protections that cannot lawfully be excluded.
Severability
If any provision of these Terms is held to be unlawful or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
Contact
Questions concerning these Terms of Use may be directed to The Literate Investor Limited at hello@theliterateinvestor.co.uk .
