Terms of service
Terms and Conditions of Website Use
Introduction and who we are
I am Paul Claireaux and this site www.paulclaireaux.com is operated by my company Irate Investment Ltd, a UK limited company registered in England and Wales, Company No. 8791354. Our registered office is at: 75-77 Buccleauch Street, Barrow in Furness, Cumbria, LA14 1QQ
Please read through these Terms and Conditions carefully before you use this site, and consult them regularly as you continue to use it, as the Terms and Conditions may change from time to time.
These Terms and Conditions tell you the terms on which you may use this site and apply to all users whether as a regular user or a guest. By using this site you accept these Terms and Conditions and agree to abide by them.
If you do not accept these Terms and Conditions, please do not use the site.
What we do and what we do NOT do
We do NOT sell financial products of any kind.
This site provides information for educational purposes on a variety of subjects but focuses on fundamental concepts around human behaviour and personal finance.
Our aim is to help you make more informed decisions about your life and financial plans.
Our information is generic in nature. We do NOT offer regulated financial advice. This means that we do NOT make specific recommendations for you to buy, sell or otherwise transact investments, or to engage in any investment strategies, or for you not to do any of these things.
You are solely responsible for any decisions that you make regarding your finances and investments. You are solely responsible for any losses that you may incur from the actions you take (or do not take) having used this site or after attending our educational talks or workshops or personal life coaching sessions.
We do not take responsibility for the outcomes and consequences. It is your responsibility to satisfy yourself as to the suitability of any particular investment or action you take.
Any figures that are provided on this site or in video content – such as potential returns from various asset types held within different product wrappers – are only examples of possible outcomes. We offer no assurance that the returns from your investments will be similar to, or within the range of, example figures. The value of shares and investments can go down as well as up. You may not get back the money that you invest. Past performance is not a guide to future performance.
You understand the need to conduct your own due diligence before implementing investments, business plans, or other changes to your personal life.
If you require specific recommendations on investments, then we strongly recommend that you appoint an appropriately qualified and regulated professional adviser who will advise you in line with their own terms of business.
Use of the site
You have permission for temporary use of the site, but we can withdraw or change our service at any time without telling you and without being legally responsible to you.
You must treat all identification codes, passwords and other security information as confidential. We are entitled to monitor your password and, at our discretion, require you to change it.
If we think you have failed to keep confidentiality or that you have compromised the security of this site in any way, we will act to prevent you from gaining further access.
We reserve the right to investigate suspected violations of these Terms and Conditions, and we reserve the right to fully cooperate with any law enforcement or legal requirement or investigation where we might be requested or required to disclose the identity of anyone posting any email messages, or publishing, or otherwise making available any materials that are believed to violate these Terms and Conditions. You may not hold us accountable or liable in any way for the outcome or process of such investigations.
You agree to follow our Acceptable Use Policy for Website – see below.
If you allow anyone else to use our site, you must make sure that they read these Terms and Conditions first, and that they follow them.
Only use the site as allowed by law and these Terms and Conditions. If you do not, we may suspend your usage, or stop it completely.
We frequently update the site and make changes to it, but we are not obliged to do this; material on the site may therefore be out of date, and you should not rely on it.
Nothing on the site should be construed as advice or as a specific recommendation. You are solely responsible for the outcomes and consequences of any actions you take (or do not take) after reading material on this site. This site is provided solely for your non-commercial, personal use, so that you may access the educational materials we provide. You may not use this site for any other purpose without our express prior written consent.
We exclude all legal responsibility and costs for reliance placed on the site by anyone.
You should conduct your own due diligence before implementing investments, business plans or other changes to your personal life. Before making investment decisions, you should read carefully any terms and conditions relating to product, the product provider’s terms and conditions and any other terms applicable to a product, and check that any information held by the product provider about you is correct, complete and accurate. It is your responsibility to ensure the any product matches your requirements.
We recommend that you take advice from a qualified professional adviser, such as a regulated financial adviser, who will advise you in line with their own terms of business.
By using the site, you agree to us handling this information, and confirm that the data you provide is current, complete and accurate. If we believe that the information you provide is not correct, current or complete, we have the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time, without notice.
If you book a place at one of our workshops through this site, your order will take place under the Booking Terms and Conditions, which will be made available prior to purchase.
- Your Account
In order to use the services on this site, you may be required to create an account, which will contain personal details. Payment information will be required when you book a place at one of our workshops. We do not hold payment information on our site.
If you think that your account details have been obtained by someone who should not have them, you should contact us immediately. If an unauthorised payment is made before you notify us, we accept no liability or responsibility.
- The Contract
When you book a place at one of our workshops and proceed through the payment process, you are making an offer to us which, if accepted by us, will result in a binding contract. Neither submitting an electronic booking nor completing the checkout process constitutes our acceptance of your order. A contract will be formed between us if we accept your order by confirming your booking on a workshop. Payment for a workshop is not acceptance by us of your offer and it does not create a contract between us.
Details of our fees for our workshops can be found on the site. All fees are payable when booking a workshop.
We make every effort to ensure that fees are correct at the time that payment is made. We reserve the right to change our fees, and alter and remove any special offers from time to time.
- Intellectual property rights
We are the owner or licensee of all intellectual property rights in the site (for example, the copyright and any rights in the designs) and in any of the material posted on it. They are protected by copyright.
You may not (and may not authorise any other party) to co-brand or otherwise associate yourself with our company and this site. You may not sell our information or make other statements regarding our company or this site without our express prior written permission. Co-branding includes the display of a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, sell or distribute this site or content accessible within this site. You agree to cooperate with us to make sure that unauthorised co-branding, linking or other inappropriate use ceases immediately.
- Computer offences
If you commit a criminal offence under the Computer Misuse Act 1990, your right to use the site will end immediately. We will report you to the relevant authorities and give them your identity.
Examples of computer misuse include introducing viruses, worms, Trojans and other technologically harmful or damaging material.
You must not try to get access to our site’s server or any connected database or make any ‘attack’ on the site. You agree not to add to, subtract from, or otherwise amend the content, or to attempt to access any part of the site that is not intended for your access. You agree not to use the site in any manner that might interfere with the rights of third parties or the general public.
We are not legally responsible to you for any damage from viruses or other harmful material that you pick up via our site.
- Links to our site
You are allowed to make a legal link to our website’s homepage from your website if the content on your site meets the standards of our Acceptable Use Policy; we can, however, end this permission at any time.
You must NOT suggest any endorsement by us or association with us, unless we agree to it in writing.
- Links from our site
Links from our site to other sites are only for information. We do not accept responsibility for other sites or any loss you may suffer from using them.
Such links are not maintained by, or related to, us. The inclusion of any hyper-link to a third-party site does not imply endorsement, sponsorship or recommendation by us of that site. Hyper-links to other sites are provided as a service to users. We do not undertake to review external sites, and are not responsible for their content or use policies.
We do not guarantee the availability of hyper-linked sites or their suitability for your purpose. Any site that you access is at the user’s own risk. By linking to another site you are leaving our website and you therefore become subject to the terms and conditions of the linked site.
We disclaim responsibility for any content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site, or actions by the user or by the third party in conjunction with such sites.
- Child privacy
We do not knowingly permit young people under the age of 18 to become subscribers to our site or to buy goods and services on our sites. We do not knowingly collect or solicit personal information about children and young people under the age of 18.
We strongly encourage parents and guardians to spend time with their children online, and to participate in their interactive activities and interests.
We do not make any express or implied warranty, representation or endorsement whatsoever in respect of your use of this site, the service or content provided. We expressly disclaim all warranties of any kind, express, implied, statutory or otherwise, including, but not limited to, implied warranties of fitness for a particular purpose, the service, the content of any product or service provided or to be provided via the site.
If you purchase a product or service from us, you are responsible for ensuring, in advance, that the product or service will meet your purpose. We do not warrant that the functions provided by the site or the service will be uninterrupted, timely, secure or error-free, or that defects in the site or the service will be corrected within a particular time period. We do not warrant the accuracy or completeness of the content, or that any errors in the content will be corrected. The site, the service and the content are provided on an ‘as is’ and ‘as available’ basis.
- Limitation on liability
We use reasonable skill and care in the provision of the site but we make no representation or warranty that the site will be uninterrupted or error free or fit for your purpose. We do not guarantee the accuracy or completeness of material on our site or that the site will meet your requirements.
As far as legally possible, we exclude legal responsibility for any loss to you arising from use of our site, and any loss of income, profit, business, data, contracts, goodwill or savings. As far as legally possible, no person in, employed by, or associated with this site or our company (including, but not restricted to, subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors and contractors) can be held liable in any way for any direct, indirect, incidental or other damage including loss of revenue or income, profit, business, data, contracts, goodwill or savings, or any pain, suffering, emotional distress or other damage in any circumstances. In no event will any damage exceed the price that you have paid for any of our products or services.
We also exclude, as far as legally possible, all terms and warranties or promises implied by law or by statute.
We don’t exclude legal responsibility for death or personal injury owing to our negligence, or legal responsibility for fraud or fraudulent misrepresentation, or for anything else where exclusion is not allowed by the law.
You will also indemnify and hold our company, and anyone associated with our company (including, but not restricted to, subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors) harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site or from our company.
These Terms and Conditions may be changed at any time at our discretion. Updates will be posted on the website; you must check for changes because they are binding on you. Your use of this site constitutes your acknowledgement and acceptance of these Terms and Conditions
- Trade mark
IRATE® is our UK registered trademark.
- Applicable Law
The English courts have the only right to hear claims related to our site, and all disputes are governed by English law.
- Contact us
If we need to respond to your communication, we will use the email address you have provided to us.
These Terms and Conditions were last revised on 5th December 2015 by Paul Claireaux
Acceptable Use Policy for Website
This Acceptable Use Policy also applies to your use of our website – and you agree with it as part of the above Terms and Conditions.
We may change these terms, so please check this page from time to time, as the changes will be binding on you. There may also be changes elsewhere on our site.
- What you must NOT do
You must NOT use the site to do any of the following:
- Break any laws or regulations
- Do anything fraudulent, or which has a fraudulent effect
- Harm or attempt to harm minors
- Do anything with material that does not meet our content standards (listed below)
- Do anything with unsolicited advertising material (known as ‘spam’)
- Transmit any data or material that is harmful to other programs, software, or hardware (for example, viruses, Trojan horses, worms, etc.)
- Copy in any way or re-sell any part of our site (unless we allow it under our website terms)
- Interfere with or damage any part of our site, equipment, network, software or storage arrangements
- Content standards
These content standards apply to all material that you contribute to our site and to all interactive services. You must follow these standards carefully, but please also follow the spirit of them.
Your contributions must be:
- Accurate (if they are factual)
- Genuine (if they state opinions)
- Within the law
Your contributions must NOT be:
- Defamatory, obscene or offensive
- Likely to deceive, harass, annoy, threaten, or invade someone else’s privacy
And they must not:
- Promote material that is sexually explicit
- Promote violence, or discrimination based on race, sex, religion, belief, nationality, age, disability, marital status or civil partnership, gender reassignment, pregnancy or sexual orientation
- Infringe anyone else’s intellectual property
- Be used to impersonate anyone, or misrepresent anyone’s identity
- Encourage or assist anything that breaks the law
Our standards for interactive services (for example, chat rooms/bulletin boards) are as follows:
- We will tell you clearly about the service
- We will tell you what form of moderation we use for the site
- We will try to assess risks on the site and will moderate if we think it is appropriate
Please note, however, that we are not required to moderate our interactive service. We are not responsible for any loss to anyone who does not use our site according to our standards (whether or not we have moderated the service).
- Important notice for parents
Use of our interactive service by a child is subject to parental consent.
If you permit your child to use the service, we advise you to explain the risks. Moderation is not always effective.
Please contact us if you have a concern about moderation.
- Suspension and termination
If we think you have breached this policy, we will take whatever steps we think are necessary. These might include:
- Stopping your use of the site temporarily or permanently
- Removing material you have put on the site
- Sending you a warning
- Taking legal action
- Telling the right authorities
We exclude legal responsibility and cost for actions we take to deal with your breach of our policy.
- Applicable law
The English Courts have the only right to hear claims related to our site, and all disputes are governed by English law.
- Contact us
If we need to respond to your communication, we will use the email address you have provided.
This policy was last revised on 5th December 2015 by Paul Claireaux