This website (“Website”) is owned and operated by Kalkine Limited (“Kalkine”, “we”, “us” and “our”).
Kalkine Limited is a private limited company, incorporated in England and Wales with registration number 07903332. Its registered office is at 52 Debden Road, Saffron Walden, Essex, CB11 4AB.
(a) to access the Services;
(b) to use any digital content or application published by Kalkine;
(c) to register an account with Kalkine to access the content;
Regulatory status and client classification
Kalkine Limited is authorised and regulated by the UK Financial Conduct Authority (FCA) under firm reference number 579414.
Unless otherwise agreed in writing we will treat you as a retail client as such term is defined in the FCA Rules.
We are authorised and regulated by the FCA as a media firm on the basis that we will disseminate information about our views on investments through research papers and similar materials that are available through subscription. These research papers do not take into account the particular circumstances of our subscribers and therefore are not intended as investment advice which falls within the scope of the FCA Rules relating to suitability. If you are in any doubt as to whether the investments referred to in our research are suitable to your personal circumstances, you should obtain independent financial advice.
Opening your account
To be eligible to open an account and use our Free Trial, you must: (a) be an individual who is at least 18 years old; (b) be capable of entering into a legally binding contract; and (c) have a valid email address, phone number and home address.
In opening an account, you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Website’s registration form; and (b) maintain and promptly update such information to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable ground to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services.
You are responsible for maintaining and protecting the confidentiality of your login details, which consists of your email address and password. In the absence of notice from you that the confidentiality of your username and password has been compromised, Kalkine will be entitled to construe all activity on the Services using that Password as being for and on behalf of you and you agree to pay all fees so incurred and to take responsibility for all actions of persons using your Password. We are not responsible for any unauthorised access and use of your account unless we have failed to take reasonable steps to prevent such access or use.
Access to Free Trial
Intellectual Property Rights
All material published on our Services is owned or provided under licence by Kalkine. Our content on the Services and all subscriptions is intended for individual, non-commercial use only. The content on the Services and/or in our publications is not to be copied, reproduced, forwarded, or disclosed without our prior written permission.
All content other than user content, including all features, software, graphics, design, code, compilation of user content, aggregate reviews and ratings, and all other components of the Services remain the property of Kalkine or its licensors. Kalkine solely owns and shall retain, all rights, title, and interest in all intellectual property including without limitation, trademarks, service marks, logos, trade names, copyrights, patents, trade secret rights, and other intellectual property rights associated with any ideas, concepts, techniques, inventions, processes, works of authorship and Confidential Information.
No right, title or interest in or to the Services or any content on the Services is transferred to you, and all rights not expressly granted, are reserved by Kalkine.
You must not:
Disclaimer to Accuracy of information
The information available on the Services has been prepared from a wide variety of sources, which Kalkine, to the best of its knowledge and belief, considers accurate. However, Kalkine does not warrant the completeness or accuracy of the information found in our Services. Please note that Kalkine is not in the business of rendering personalised advice and we strongly suggest you seek a registered financial advisor before acting upon any recommendation. All information represents our views at the date of publication and may change without notice. Please note that Past performance is neither an indicator nor a guarantee of future performance. The value of an investment and the income therefrom may vary, and investors may not receive back the invested amount as returns.
Quality of Service
To use your Kalkine membership, you require a computer with access to the internet.
The quality and availability of Kalkine reports may sometimes be affected or disrupted by factors outside of our control. Such factors can include interruptions to internet services suffered by Kalkine, you or other communications carriage service providers through which our Services are hosted, accessed or administered, lack of capacity and faults in other telecommunications networks to which we are connected.
We may change or withdraw some or part of the Kalkine Services from time to time. This may be because of changing laws, government policy, technologies, obsolescence, new or different product features or functionality, changing content providers and the need to remove, replace or modify content.
Termination and/or Suspension
Our liability to you
To the maximum extent permitted by law, all warranties and conditions whether express, implied or statutory with respect to the provision of our Services are excluded.
Except for any legal responsibility that we cannot exclude or limit in law (such as for death or personal injury) or arising under applicable laws relating to the protection of your personal information, we will not be legally responsible (including, without limitation, by way of negligence) for any loss or damage you suffer arising from:
in excess of the amount, if any, paid by you to us for use of our Services.
Neither Kalkine and/or its employees, directors, agents or associates guarantee the performance of any security or other financial product (or class of financial product) that is reviewed, recommended or opined on in any of our Services. You acknowledge that our Services have not been developed to meet your individual requirements, and it is your responsibility to ensure that they meet your requirements and that you will exercise your independent judgement in using any information or reports provided by us and you shall solely bear all the responsibility for your own investment decisions.
Kalkine, its directors, officers, employees, consultants, agents and affiliates) are not responsible for any loss or damage that is not foreseeable as a consequence of our breach or loss or damages for loss of business profits, business interruption or loss of business information, that may arise from the use of (or failure to use) or reliance on the Services.
Your liability to us
You will be responsible to us in respect of any loss, cost, damage or expense we suffer as a result of:
Assignment and Transfer
Applicable Law and Jurisdiction
Our Website and Services are directed at the United Kingdom (UK) audience, yet it may be accessible from outside of the UK. We do not warrant nor make any representation that our Website and Services complies with the laws (including intellectual property laws) of any country outside of UK. If you access our Website or Services from outside the UK, you do so at your own risk and you are responsible for complying with the laws in the place where you access our Website or Services.
Kalkine is committed to providing a transparent and accessible service to everyone we deal with, and we hope to make your experience with us an excellent one. If you have a complaint about any of our Services, you are encouraged to contact us at 020 39847166 with full details of your complaint. We will aim to resolve and provide a substantive response within three business days of receipt. If you're not happy with the response or you don't get an answer from the business, you may refer your complaint to the Financial Ombudsman Service.
The information provided by Kalkine Limited on this Website is general in nature and does not take into account any of your investment objectives, financial situation or needs. Before you make a decision about whether to acquire a financial product, you should obtain the Product Disclosure Statement from the product issuer. You should consider the appropriateness of information taking into account your own objectives, financial situation and needs and seek independent financial advice before making any financial decisions.
Last Updated: 30 August 2021