We don’t believe in get rich programs – only in hard work and adding value. The Wealth Chef programmes and products are intended to help you learn the skills needed to become financially free and to manage your money and wealth better. We don’t make any guarantees about your own results because we don’t know you and, besides, your results in life are up to you. Agreed? We just want to help by giving you great content, direction and strategies to move you forward faster.
This page (together with the documents referred to on it) tells you the terms and conditions on which we supply to you our programmes, products and services ( the “Programmes”) listed on the website displayed at the domain name address www.thewealthchef.com;www.thewealthchefbook.com; www.stocksforfrocks.com and any other domains under The Wealth Chef branding (the “Sites”). You should print and keep a copy of these terms and conditions for future reference.
1. Your status
By placing an order for the Programmes, you warrant that:
1.1.1. You are legally capable of entering into binding contracts; and
1.1.2. You are at least 18 years old.
2. Acceptance of your order
2.1. The contract between you and us (“Contract”) will be formed when we dispatch the Programmes to you and or you gain access to the programme pages on the websites.
3. Price and payment
3.1. The price of the Programmes will be as quoted on the Site from time to time, except in cases of obvious error.
3.2. These prices do not include delivery costs which are listed separately.
3.3. Prices are liable to change at any time, but changes will not affect orders which have been placed prior to the change.
3.4. Payment for the Programmes must be by credit or debit card. All card payments are subject to authorisation by your card issuer and we take payment when we accept your order shortly before we dispatch the Programmes to you.
4. Copyright in the Programmes
The content of the Programmes are protected by copyright. You may not reproduce the Programmes, or any part of them, nor do any other acts restricted by copyright in a work.
5. Intellectual Property Rights
5.1. We are the owner or the licensee of all intellectual property rights in the Site, and in the material published on it. All such rights are reserved.
5.2. You may print off copies, and may download extracts, of any page(s) from the Site for your personal reference only. You may not distribute any downloaded extracts electronically save for storage or back up purposes on your own computer.
5.3. You must not modify the paper or electronic copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
5.4. You must not remove or alter indications of patents, copyright, trade marks, brand names or other rights of intellectual or industrial property from the Site or the materials obtained through the Site.
5.5. Our status (and that of any identified contributors) as the authors of material on the Site must always be acknowledged.
5.6. You must not use any part of the materials on the Site for commercial purposes.
5.7. If you print off, copy or download any part of the Site in breach of these terms and conditions, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
5.8. If you believe we are infringing your intellectual property rights, or those of a third party, please notify us by contacting us at email@example.com. Your notification should contain, inter alia: (1) a description of the intellectual property rights that are allegedly being infringed; (2) a description of the alleged infringement; (3) a description of the location of the allegedly infringing materials (4) your contact details.
6. Our liability
6.1. We aim to ensure that the content of the Programmes is accurate and consistent with our current knowledge and practice. However, tax, government and investment limits are subject to change and the figures contained in the Programmes should be used for illustrative purposes only.
6.2. The Programmes are educational products only and nothing contained in the Programmes constitutes financial advice in any way. Specifically, we are not giving you investment advice or recommending that you invest in any particular investments. Please also note that the examples used in the Programmes take no account of personal taxation charges. We do not warrant that the Programmes will be fit for your intended use and you should undertake your own evaluation exercise before you choose to rely on the contents of the Programmes.
6.3. Any form of trading has inherent risks and consequently we strongly recommend that you seek specific guidance from an appropriate financial professional before making any investment or financial decisions.
6.4. Statements and commentary made about the Programmes whether orally or on the “Sites” are not intended to amount to advice or representations by us on which reliance should be placed. You agree that you have not bought the Programmes in reliance upon any representation, warranty, promise, term, condition, obligation or statement which is not expressly set out in these terms and conditions and subject to clause 6.6.1, no such representation, warranty, promise, obligation, statement or any other term or condition is to be implied whether by virtue of any usage or course of dealing or otherwise except as expressly set out in these terms and conditions. If we have given any representation, warranty, promise, or statement then (except to the extent that it has been set out in these terms and conditions), you hereby waive any rights or remedies which you may have in respect of it.
6.5. Subject to clause 6.6.1, the material displayed on the Site is provided without any representation, guarantee, conditions or warranties (e.g. as to its accuracy or completeness).
6.6. To the fullest extent permitted by law, we hereby expressly exclude:
6.6.1. all conditions, warranties and other terms implied by statute, common law or the law of equity.
6.6.2. all liability (however arising, including liability in tort (including negligence), breach of contract, misrepresentation or otherwise), even if foreseeable, suffered by any person or legal entity directly or indirectly in connection with the Programmes or in connection with the use, inability to use, or results of the use of the Programmes, for any:
18.104.22.168. loss of income or revenue;
22.214.171.124. loss of business;
126.96.36.199. loss of opportunity;
188.8.131.52. loss of profits or contracts;
184.108.40.206. loss of anticipated savings;
220.127.116.11. loss of data;
18.104.22.168. loss of or damage to reputation or goodwill; or
22.214.171.124. wasted management and/or staff and/or or office time; in each case whether direct, indirect, special and/or consequential loss or damage; or
126.96.36.199. for any other indirect, special and/or consequential loss or damage
6.6.3. Our total liability in contract, tort (including negligence and breach of statutory duty), misrepresentation and/or otherwise arising under or in connection with the Programmes, shall be limited to the purchase price of the Programmes.
6.6.4. Notwithstanding the above, nothing affects our liability for death or personal injury arising from our negligence, nor our liability for fraud or fraudulent misrepresentation.
7. Written communications
Applicable laws require that some of the information or communications we send to you should be in writing. When using the Site, you accept that communication with us will be mainly electronic. We will contact you by e-mail or provide you with information by posting notices on the Site. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing. This condition does not affect your statutory rights.
8. Events outside our control
8.1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a Contract that is caused by events outside our reasonable control (“Force Majeure Event”).
8.2. A Force Majeure Event includes any act, event, non-happening, omission or accident beyond our reasonable control and includes in particular (without limitation) the following:
8.2.1. Strikes, lock-outs or other industrial action.
8.2.2. Civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war.
8.2.3. Fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster.
8.2.4. Impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport.
8.2.5. Impossibility of the use of public or private telecommunications networks.
8.2.6. The acts, decrees, legislation, regulations or restrictions of any government.
8.3. Our performance under any Contract is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to a close or to find a solution by which our obligations under the Contract may be performed despite the Force Majeure Event.
9.1. If we fail, at any time during the term of a Contract, to insist upon strict performance of any of your obligations under the Contract or any of these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
9.2. A waiver by us of any default shall not constitute a waiver of any subsequent default.
9.3. No waiver by us of any of these terms and conditions shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing.
If any of these terms and conditions or any provisions of a Contract are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.
11. Entire agreement
We intend to rely upon these terms and conditions and any document expressly referred to in them in relation to the subject matter of any Contract. While we accept responsibility for statements and representations made by our duly authorised agents, please make sure you ask for any variations from these terms and conditions to be confirmed in writing. In that way, we can avoid any problems surrounding what we and you are expected to do.
12. Our right to vary these terms and conditions
12.1. We have the right to revise and amend these terms and conditions from time to time to reflect changes in market conditions affecting our business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements and changes in our system’s capabilities.
12.2. You will be subject to the policies and terms and conditions in force at the time that you order the Programmes from us, unless any change to those policies or these terms and conditions is required to be made by law or governmental authority (in which case it will apply to orders previously placed by you).
13. Your concerns
If you have any concerns about these terms and conditions, please contact support[at]thewealthchef.com