Investment Advisory Agreement & Terms of Use
INVESTMENT ADVISORY AGREEMENT
Thank you for selecting the Services offered by AdviceMyMoney Investment Advisors and/or its subsidiaries and affiliates (referred to as "AdviceMyMoney", "we", "our", or "us").Review these Terms of Service ("Agreement") thoroughly. This Agreement is a legal agreement between you and AdviceMyMoney Investment Advisors.By accepting electronically (for example, clicking “I Agree”), installing, accessing or using the Services, you agree to these terms.If you do not agree to this Agreement, then you may not use the Services.This Investment Advisory Agreement sets forth the terms upon which Client engages AdviceMyMoney Investment Advisors as a financial planner and investment advisor.
AGREEMENT
This Investment Advisory Services Agreement (“Agreement”) is made at the Gurgaon place and is applicable to all customers using our services
BETWEEN
AdviceMyMoney Investment Advisors, a proprietorship firm, hereinafter called “ADVICEMYMONEY” (which expression shall, unless repugnant to the context or meaning thereof, be deemed to mean and include its successors and assigns) of the ONE PART.
AND
Customer [hereinafter called “the Client” which expression shall, unless repugnant to the context or meaning thereof, be deemed to mean and include (if the Client is individual) his/her heirs, executors, administrators and legal representatives and permitted assigns; (if the Client is a Partnership Firm), the partners for the time being of the said firm, the survivor or survivors of them and their respective heirs, executors, administrators and legal representatives/its successors and permitted assigns; (where the Client is a Company or a body corporate) its successors and permitted assigns; (where the Client is the Karta of a Hindu Undivided Family), the members for the time being of the said Hindu Undivided Family and their respective heirs, executors, administrators and assigns; (where the Client is the Trust), the principal trustee or the board of trustees or the trustees or person authorised by the board of trustees for the time being and from time to time (where the Client is the governing body of a society), the respective successors of the members of the governing body for the time being and from time to time the members of the society for the time being and from time to time and any new members elected or appointed] of the OTHER PART.
WHEREAS:
A. AdviceMyMoney is an investment advisor
B. The Client is desirous of obtaining Investment Advisory Services from AdviceMyMoney
C. The Client has satisfied itself that AdviceMyMoney possesses requisite level of knowledge and competence to provide Investment Advisory Services.
D. AdviceMyMoney has satisfied and shall continuously satisfy itself about the genuineness and financial soundness of the Client and investment objectives relevant to the Investment Advisory Services to be provided.
NOW THIS AGREEMENT WITNESSETH AND IT IS AGREED BY AND BETWEEN THE PARTIES AS UNDER:
Scope of investment advisory services
ADVICEMYMONEY shall review and analyze the Client’s investment profile and investment objectives and Client’s current financial situation based upon information provided by Client. ADVICEMYMONEY will look to the Client for clear guidance regarding the investment objectives for the Client Account and for an understanding of the relationship of the Client Account to the Client’s general financial situation.
ADVICEMYMONEY shall make recommendations to Client with respect of the Client Account on an ongoing basis with respect to the amount of capital to be invested by Client in various financial assets, including but not limited to securities as defined in section 2(h) of SCRA (Securities Contracts Regulation Act), mutual funds, individual securities, certificates of deposit, annuities, cash, exchange traded funds, equity and commodity derivatives, real estate / property, or cash equivalents and any such investment advice sought by the Client. Client acknowledges that ADVICEMYMONEY provides services of the type contemplated herein for other clients and may give to other clients advice of the same or similar nature as that given to Client. It also is understood and agreed that ADVICEMYMONEY may give advice and recommend action to other clients that may differ from advice given to Client with respect to nature and/or timing of action.
Information and Privacy
(a) Client recognizes that the work of ADVICEMYMONEY on Client’s behalf depends upon the information which ADVICEMYMONEY has concerning Client’s situation. Client agrees to furnish all current information, regarding Client’s current and future financial condition as well as Client’s financial goals, required by ADVICEMYMONEY to perform the services described herein. All analysis and recommendations will be based on the information submitted by the Client to ADVICEMYMONEY. ADVICEMYMONEY shall not be required to verify any information obtained from Client or from Client’s other advisors (e.g., accountant, attorney). ADVICEMYMONEY is expressly authorized to rely on such information. Client agrees to inform ADVICEMYMONEY on a timely basis of any changes in Client’s financial condition.
(b) When this Agreement terminates, the papers and documents, if any collected from clients, may be returned to the client upon its request. Copies of documents, papers and other information may be retained by ADVICEMYMONEY in the client’s respective file for compliance purposes. All information will be held confidential and not disclosed to third parties, except as agreed upon in writing or required by law/regulators.
Transaction Authority
Client will have no obligation to accept any recommendation made by ADVICEMYMONEY. Client shall retain sole control and authority over the Client Account and shall be entitled to determine, in Client’s sole discretion, whether to accept, reject or implement any recommendation made by ADVICEMYMONEY. Client understands, however, that ADVICEMYMONEY’s recommendations are integrated and interdependent; that implementing a recommendation in isolation may not meet with Client’s objectives; and that Client should discuss with ADVICEMYMONEY any such action before proceeding. Subject to Client’s prior written approval and direction, ADVICEMYMONEY, as Client’s agent and attorney-in-fact with respect to the Client Account, may buy, sell, exchange, convert and otherwise trade in any financial asset subject to this Agreement. Client agrees to execute such documents and certificates as may reasonably be required to confirm the grant of the foregoing limited power of attorney. ADVICEMYMONEY may not withdraw any assets or funds from the Client Account for its own account except in payment of fees due pursuant to this Agreement in accordance with the terms hereof. Client remains solely liable for all the transactions executed by it.
Implementation
If Client decides to implement the recommendations of ADVICEMYMONEY, the securities transactions will be affected by the Client through a broker/dealer/ financial intermediary chosen by the Client and/or by will be affected by ADVICEMYMONEY in its capacity as agent and attorney-in-fact through a broker/dealer chosen/ empanelled by ADVICEMYMONEY. All cash and securities (assets of the client ) will be maintained in the possession of such broker/dealer(s)/intermediaries .
Compensation
Client agrees to pay ADVICEMYMONEY for its services under this Agreement in the manner and pursuant to the Schedule of Fees as set forth on the website. The Schedule of Fees may be amended from time-to-time by ADVICEMYMONEY. Further, client also agrees and acknowledges that although the current business model for AdviceMyMoney is “fee only advisory services” & not associate with any third party for commissions or other income, AdviceMyMoney may decide to earn distribution fees or commissions ( Including referral commissions) from any third party anytime in future,for helping customers making any transaction , whether based or advice provided by AdviceMyMoney or otherwise.
Liability and Sources of Information
Client acknowledges that ADVICEMYMONEY obtains information from a wide variety of publicly available sources. The recommendations made by ADVICEMYMONEY will be based upon the professional judgment of ADVICEMYMONEY and its associated persons and neither ADVICEMYMONEY nor its associated persons guarantee the results of any recommendation or any level of return. ADVICEMYMONEY shall not be liable and shall be indemnified and held harmless by Client for any act or failure to act except for negligence, willful misconduct or bad faith. ADVICEMYMONEY also shall not be liable to and shall be indemnified and held harmless by Client from any act or failure to act by any agent acting in Client’s behalf, any broker/dealer (whether chosen or not chosen by ADVICEMYMONEY), or custodian of securities held for Client’s account.
Non-Exclusivity
ADVICEMYMONEY assumes no responsibility under this agreement other than to use its best efforts to render the services called for hereunder in good faith. Nothing in this Agreement, or in the disclosure statement referred to below, shall limit or restrict ADVICEMYMONEY, its principals’, employees’ or associated persons’ right to engage in any business or render services of any kind, similar or otherwise to any trust, corporation, individual, association or other entity.
Legal & Tax Advice
Client expressly understands and agrees that ADVICEMYMONEY is not qualified to render any legal advice or to prepare any legal documents and that this Investment Advisory Agreement does not provide for such services. Similarly, Client agrees to rely on Client’s tax attorney or accountant for tax advice or tax preparation.
Potential Conflicts of Interest
ADVICEMYMONEY and/or its associated persons may have an investment position in securities which are the subject of recommendations by ADVICEMYMONEY. Clients acknowledge this and authorize ADVICEMYMONEY to engage in such transactions.
Client Representations
Client represents and confirms that the Agreement of ADVICEMYMONEY is authorized by the governing documents relating to the Client Account and that the terms hereof do not violate any obligation by which Client is bound, whether arising by contract, operation of law or otherwise, and, if Client is a Corporation, trust, partnership or other entity, that (i) this Agreement has been duly authorized by appropriate action and when executed and delivered will be binding upon Client in accordance with its terms, and (ii) if so requested by ADVICEMYMONEY, Client will deliver to ADVICEMYMONEY such evidence of such authority as ADVICEMYMONEY may reasonably require, whether by way of certified resolution or otherwise.
Termination
This Agreement may be terminated immediately at any time by either party giving to the other written notice of a minimum of 30 days of such termination. Notice shall be effective upon receipt or upon the date specified in the notice, if any, if such specified date is later than receipt; provided, however, that any transaction that was approved and directed by Client pursuant to the terms of this Agreement prior to termination and for which orders to execute have been placed prior to termination shall be completed unless the parties mutually agree otherwise.
Assignment
No assignment of this Agreement or any rights hereunder may be made by Client or ADVICEMYMONEY without written consent of the other.
Multiple Clients
If this Agreement is executed by more than one person, ADVICEMYMONEY may accept directions from either one or the other person in connection with the handling of the Client Account and termination of this Agreement, unless specifically set forth in other instructions attached to this Agreement signed by all of the Clients.
Amendment
This Agreement may only be amended by mutual written consent; provided, however, that ADVICEMYMONEY may unilaterally amend the Schedule of Fees from time to time.
Miscellaneous
Advice given will be based on economic and tax factors and Client’s personal circumstances at the time the services were rendered. Services similar to those described in this Agreement may be available from other sources at a lesser cost.
Regulation and Jurisdiction
This agreement shall be subject to rules, regulations and guidelines of SEBI and all the jurisdiction of all disputes shall be the Courts at Gurgaon. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their heirs, personal representative, successors in interest, successor in trust, and permitted assignees.
Severability
If any provision of this Agreement is held invalid or unenforceable, the remainder of this Agreement shall nevertheless remain in full force and effect. If any provision is held invalid or unenforceable with respect to particular circumstances, it shall nevertheless remain in full force and effect in all other circumstances. If any provision of this agreement is unenforceable under the law prevailing on the date hereof but is enforceable under the law prevailing at a subsequent time, then such originally unenforceable provision shall be deemed to take effect at the time when it becomes enforceable. As used herein, the term “unenforceable” is used in its broadest and most comprehensive sense and includes the concepts of void and voidable.
Entire Agreement
This Agreement embodies all understandings and Agreements between Client and ADVICEMYMONEY and the terms may not be amended except in writing with the consent of both parties.
Privacy Policy
Information we collect
We collect personal information such as your name, shipping/billing address, e–mail, phone, and credit card number when you interact with us for sales, service, support, registration and payment.We may collect and store sensitive information such as account and purchase information on your behalf as part of the services provided to you. We collect personal information to deliver or allow access to our products and services.We collect information about your system as it interacts with us such as your IP address and browser information. We use common internet technologies, such as cookies and Web beacons to manage our Web sites and services, advertising and e–mail programs.We collect user feedback, community discussions, chats and other interactions at our sites.We may obtain additional information about you, such as demographic information, from commercially available sources. AdviceMyMoney is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy Commitment or in terms of the agreements, if any, with the Customers.The Customer would be required to cooperate with AdviceMyMoney in order to ensure the security of the information, and it is recommended that the Customers necessarily choose their passwords carefully such that no unauthorised access is made by a third party. To make the password complex and difficult for others to guess, the Customers should use combination of alphabets, numbers and special characters (like !, @ , #, $ etc.). The Customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it.The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to AdviceMyMoney or its Affiliates of a confidential nature obtained in the course of availing the services through the website. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle AdviceMyMoney or its Affiliates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.
Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, credit card information. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities. Once you fill up the form on our website or subscribe to our newsletter, we have the right to send you mails & text messages to inform you of of our updates & promote our business.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Third party websites
Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.
Security and Data Retention
The security of your personal information is important to us. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us through our Contact Us page .We will retain your information for as long as your account is active or as needed to provide you services and maintain our normal business operations. If you wish to cancel your account or request that we no longer use your information to provide you services.We will not store any credit card /debit card/bank information with us.We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If at any time you wish for us to delete your personal data from our files, please make this request by writing to the postal address provided above, or online through our Contact Us Page, and we will respond promptly. Please understand that it may be technically or legally impossible.
Using Your data
It is AdviceMyMoney's policy that you should know exactly what personal data we collect from you and how we will use it. We collect personal data from you for the purpose of processing your order or enquiry. We may use your personal data to supply products and services to you that you have requested, carry out any agreement with you or take any steps that you have requested. In particular, we may:
1. Update you as to the status of your order.
2. Alert you to important product revisions or updates.
3. Inform you about upgrades to your purchased AdviceMyMoney products.
4. Customise your experience with us.
5. Ensure that you are properly registered to receive technical support.
6. We may provide your personal information to companies that provide services to help us with our business activities such as shipping your order or offering customer service through our chat feature. These companies are authorised to use your personal information only as necessary to provide these services to us.
7. We post customer testimonials. We receive permission to post testimonials that include personal data prior to posting.
In addition to the above uses, where you have given us appropriate permission, we may also use your personal data for the following purposes and direct marketing ('Additional Purposes'):
1. Tell you about special discounts on additional AdviceMyMoney products and services.
2. Advise you about new AdviceMyMoney products and services.
3. Advise you about new products from other carefully-screened companies that AdviceMyMoney feels may be of interest to you (we carefully screen and then select such companies only when we are satisfied that their products and/or services are likely to be of interest to you).
4. Ask you for feedback on our offerings and your experience with us.
Aggregate data is general data about groups of customers and does not identify individual customers. AdviceMyMoney may combine your data with that of other individuals to create aggregate data which we will use to improve our products & services and develop new ones. For example, we may tell a third party how many people purchased a certain product, but not that you personally purchased a specific item.You should also be aware that we may occasionally provide links from our Website to other sites that we think will interest you. If you click on a banner advertisement or any other link, the 'click' will take you off the AdviceMyMoney site. Once you leave any AdviceMyMoney Website, any information that you may have provided remains with us and is not forwarded to the next site to which you have linked. Personal data that you may choose to provide to a third party Website linked to an AdviceMyMoney Website will be subject to the privacy policy of the operators of the third party Website. AdviceMyMoney is not responsible for the use or protection of personal data you disclose to a third party Website operator, even if reached from an AdviceMyMoney Website.
Cookies
AdviceMyMoney may or may not use cookies to track overall site usage and determine areas users prefer. Cookies also allow us to customize your visit to our Websites by recognizing you when you return. We never use cookies to “see” other data on your computer or determine your e-mail address. Most browsers accept and maintain cookies by default. Check the Help menu of your browser to learn how to change your cookie preference. You can choose to decline cookies while at our Website, but this may limit your ability to access certain areas of the Website. Alternatively you may wish to visit an independent source of information, www.aboutcookies.org, which contains comprehensive information on how to delete cookies from your computer as well as more general information about cookies. For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual or network operator for adviceTo purchase and download products from AdviceMyMoney you must ensure your browser is able to accept cookies. Cookies are required for these services to authenticate registered users and to provide access to certain areas of our Websites that are available to limited registered users only. Cookies are deleted when you close your browser, as well; this authentication becomes invalid after a certain period of time.With or without cookies, our Websites track usage data, such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Website (if any) and other parameters in the URL. We use this data to better understand Website usage so that we know what areas of our Website users prefer and what organisations might have an interest in our offerings. This data is stored in log files and is used for internal business analytics purposes. This log data is not linked to personal data gathered elsewhere on the site.
Disclosing Your Data
AdviceMyMoney may also transfer personal data to AdviceMyMoney-affiliated companies. AdviceMyMoney undertakes not to disclose the information provided by the Customers to any person, unless such action is necessary to:
• Conform to legal requirements or comply with legal process;
• Protect and defend AdviceMyMoney's or its Affiliates' rights, interests or property;
• Enforce the terms and conditions of the products or services; or
• Act to protect the interests of AdviceMyMoney, its Affiliates, or its members, constituents or of other persons.
Data Collected by Telephone
In the event that you submit your personal details by telephone, please note that AdviceMyMoney may monitor or record your call for one or more of the following purposes:
1. To provide evidence of your order or transaction with us
2. To ensure that we comply with relevant regulatory procedures
3. To see that quality standards or targets are being met In the interests of national security to prevent or detect crime or to investigate the unauthorized use of a telecommunications system
4. To secure the effective operation of our telecommunications system
Contact Preferences
As an AdviceMyMoney customer, we provide you an opportunity to choose whether we contact you for marketing purposes. If you have chosen to receive marketing messages, we may also use your contact information to inform you of other products or services we think might interest you. You can revoke your consent at any time by logging into your AdviceMyMoney Online account and editing your contact preferences in Your Account, or by requesting to opt out through our Contact Us page. Please note that your contact preferences only apply to AdviceMyMoney contacting you for marketing purposes. We may still need to communicate with you regarding the usability of your product or critical messages relating to your service or software. These communications may include service messages, subscription renewal notices, critical notices or legally mandated notices.
Changes to this privacy policy
AdviceMyMoney has the discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Information we collect
We collect personal information such as your name, shipping/billing address, e–mail, phone, and credit card number when you interact with us for sales, service, support, registration and payment.We may collect and store sensitive information such as account and purchase information on your behalf as part of the services provided to you. We collect personal information to deliver or allow access to our products and services.We collect information about your system as it interacts with us such as your IP address and browser information. We use common internet technologies, such as cookies and Web beacons to manage our Web sites and services, advertising and e–mail programs.We collect user feedback, community discussions, chats and other interactions at our sites.We may obtain additional information about you, such as demographic information, from commercially available sources. AdviceMyMoney is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy Commitment or in terms of the agreements, if any, with the Customers.The Customer would be required to cooperate with AdviceMyMoney in order to ensure the security of the information, and it is recommended that the Customers necessarily choose their passwords carefully such that no unauthorised access is made by a third party. To make the password complex and difficult for others to guess, the Customers should use combination of alphabets, numbers and special characters (like !, @ , #, $ etc.). The Customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it.The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to AdviceMyMoney or its Affiliates of a confidential nature obtained in the course of availing the services through the website. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle AdviceMyMoney or its Affiliates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.
Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, credit card information. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities. Once you fill up the form on our website or subscribe to our newsletter, we have the right to send you mails & text messages to inform you of of our updates & promote our business.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Third party websites
Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.
Security and Data Retention
The security of your personal information is important to us. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us through our Contact Us page .We will retain your information for as long as your account is active or as needed to provide you services and maintain our normal business operations. If you wish to cancel your account or request that we no longer use your information to provide you services.We will not store any credit card /debit card/bank information with us.We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If at any time you wish for us to delete your personal data from our files, please make this request by writing to the postal address provided above, or online through our Contact Us Page, and we will respond promptly. Please understand that it may be technically or legally impossible.
Using Your data
It is AdviceMyMoney's policy that you should know exactly what personal data we collect from you and how we will use it. We collect personal data from you for the purpose of processing your order or enquiry. We may use your personal data to supply products and services to you that you have requested, carry out any agreement with you or take any steps that you have requested. In particular, we may:
1. Update you as to the status of your order.
2. Alert you to important product revisions or updates.
3. Inform you about upgrades to your purchased AdviceMyMoney products.
4. Customise your experience with us.
5. Ensure that you are properly registered to receive technical support.
6. We may provide your personal information to companies that provide services to help us with our business activities such as shipping your order or offering customer service through our chat feature. These companies are authorised to use your personal information only as necessary to provide these services to us.
7. We post customer testimonials. We receive permission to post testimonials that include personal data prior to posting.
In addition to the above uses, where you have given us appropriate permission, we may also use your personal data for the following purposes and direct marketing ('Additional Purposes'):
1. Tell you about special discounts on additional AdviceMyMoney products and services.
2. Advise you about new AdviceMyMoney products and services.
3. Advise you about new products from other carefully-screened companies that AdviceMyMoney feels may be of interest to you (we carefully screen and then select such companies only when we are satisfied that their products and/or services are likely to be of interest to you).
4. Ask you for feedback on our offerings and your experience with us.
Aggregate data is general data about groups of customers and does not identify individual customers. AdviceMyMoney may combine your data with that of other individuals to create aggregate data which we will use to improve our products & services and develop new ones. For example, we may tell a third party how many people purchased a certain product, but not that you personally purchased a specific item.You should also be aware that we may occasionally provide links from our Website to other sites that we think will interest you. If you click on a banner advertisement or any other link, the 'click' will take you off the AdviceMyMoney site. Once you leave any AdviceMyMoney Website, any information that you may have provided remains with us and is not forwarded to the next site to which you have linked. Personal data that you may choose to provide to a third party Website linked to an AdviceMyMoney Website will be subject to the privacy policy of the operators of the third party Website. AdviceMyMoney is not responsible for the use or protection of personal data you disclose to a third party Website operator, even if reached from an AdviceMyMoney Website.
Cookies
AdviceMyMoney may or may not use cookies to track overall site usage and determine areas users prefer. Cookies also allow us to customize your visit to our Websites by recognizing you when you return. We never use cookies to “see” other data on your computer or determine your e-mail address. Most browsers accept and maintain cookies by default. Check the Help menu of your browser to learn how to change your cookie preference. You can choose to decline cookies while at our Website, but this may limit your ability to access certain areas of the Website. Alternatively you may wish to visit an independent source of information, www.aboutcookies.org, which contains comprehensive information on how to delete cookies from your computer as well as more general information about cookies. For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual or network operator for adviceTo purchase and download products from AdviceMyMoney you must ensure your browser is able to accept cookies. Cookies are required for these services to authenticate registered users and to provide access to certain areas of our Websites that are available to limited registered users only. Cookies are deleted when you close your browser, as well; this authentication becomes invalid after a certain period of time.With or without cookies, our Websites track usage data, such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Website (if any) and other parameters in the URL. We use this data to better understand Website usage so that we know what areas of our Website users prefer and what organisations might have an interest in our offerings. This data is stored in log files and is used for internal business analytics purposes. This log data is not linked to personal data gathered elsewhere on the site.
Disclosing Your Data
AdviceMyMoney may also transfer personal data to AdviceMyMoney-affiliated companies. AdviceMyMoney undertakes not to disclose the information provided by the Customers to any person, unless such action is necessary to:
• Conform to legal requirements or comply with legal process;
• Protect and defend AdviceMyMoney's or its Affiliates' rights, interests or property;
• Enforce the terms and conditions of the products or services; or
• Act to protect the interests of AdviceMyMoney, its Affiliates, or its members, constituents or of other persons.
Data Collected by Telephone
In the event that you submit your personal details by telephone, please note that AdviceMyMoney may monitor or record your call for one or more of the following purposes:
1. To provide evidence of your order or transaction with us
2. To ensure that we comply with relevant regulatory procedures
3. To see that quality standards or targets are being met In the interests of national security to prevent or detect crime or to investigate the unauthorized use of a telecommunications system
4. To secure the effective operation of our telecommunications system
Contact Preferences
As an AdviceMyMoney customer, we provide you an opportunity to choose whether we contact you for marketing purposes. If you have chosen to receive marketing messages, we may also use your contact information to inform you of other products or services we think might interest you. You can revoke your consent at any time by logging into your AdviceMyMoney Online account and editing your contact preferences in Your Account, or by requesting to opt out through our Contact Us page. Please note that your contact preferences only apply to AdviceMyMoney contacting you for marketing purposes. We may still need to communicate with you regarding the usability of your product or critical messages relating to your service or software. These communications may include service messages, subscription renewal notices, critical notices or legally mandated notices.
Changes to this privacy policy
AdviceMyMoney has the discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Refund & Cancellation policy
We charge one time lump sum payment for next 3 years. Financial advice is a continuous journey & you will need our advice at regular intervals as your portfolio grows. Clients are advised to renew membership after 3 yrs. Once you make the first payment, you shall get instant access to our advisory package detailing out the basics of investing. Since ours is proprietary advice content, there is no refund on the fee as you would have accessed it already.