Terms & Conditions
1. THESE TERMS
1.1 What do these terms cover.
These are the terms and conditions on which we supply our products to you, which include services or digital content.
1.2 Why you should read them.
Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms or require any changes, please contact us to discuss.
2. INFORMATION ABOUT US AND HOW TO CONTACT US
2.1 Who we are
The City Traders Group is a company registered in England and Wales.
2.2 How to contact us.
You can contact The City Trader Group by email address at firstname.lastname@example.org.
2.3 How we may contact you.
If The City Traders Group has to contact you we will do so by telephone, Skype ID, or by writing to you at the email address.
2.4 “Writing” includes emails.
When we use the words “writing” or “written” in these terms, this includes emails.
3. OUR CONTRACT WITH YOU
3.1 How we will accept your order.
Our acceptance of your order will take place when subscription fees have been cleared and access to our trading community has been approved confirmed by a welcome email to you at which point a contract will come into existence between you and us.
3.2 If we cannot accept your order.
If The City Traders Groupis unable to accept your order, we will inform you of this and will not charge you for the product. This might be because of unexpected limits on our resources which we could not reasonably plan for because we have identified an error in the price or description of the product.
4. OUR PRODUCTS
4.1 Products may vary slightly from their description.
4.2 The product access will vary in accordance to the plan accepted prior to the contract coming into force.
Any samples, drawings, descriptive matter, or advertising issued by us, and any descriptions or illustrations contained in our catalogs or brochures, are issued or published for the sole purpose of giving an approximate idea of the services described in them. They shall not form part of the Contract or have any contractual force.
5. YOU ARE RIGHT TO MAKE CHANGES
5.1 If you wish to make a change to the product you have ordered, please contact us. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the product, the timing of supply, or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change. If we cannot make the change or the consequences of making the change are unacceptable to you, you may want to end the contract (see clause 8- Your rights to end the contract).
6. OUR RIGHTS TO MAKE CHANGES
6.1 Minor changes to the products.
We may change the product:
(a) to reflect changes in relevant laws and regulatory requirements; and
(b) to implement minor technical adjustments and improvements, for example, to address a security threat. These changes will not affect your use of the product.
6.2 More significant changes to the products and these terms.
In addition, as we informed you in the description of the product on our website, we may make certain changes to these terms or the product. If we do so we will notify you and you may then contact us to end the contract before the changes take effect and receive a refund for any products paid for but not received. Such changes may include upgrades to digital products, software, indicators, and screeners from time to time.
6.3 Updates to digital content.
We may update or require you to update digital content, provided that the digital content shall always match the description of it that we provided to you before you bought it.
7. PROVIDING THE PRODUCTS
7.1 When we will provide the products.
During the order process, we will let you know when we will provide the products to you. If the products are ongoing services or subscriptions, we will also tell you during the order process when and how you can end the contract.
(a) If the products are one-off services.
We will begin the services on the date agreed with you during the order process. The estimated completion date for the services is as told to you during the order process.
(b) If the product is a one-off purchase of digital content.
We will make the digital content available to you as soon as we accept your order.
(c) If the products are ongoing services or a subscription to receive digital content.
We will supply the services or digital content to you until either the services are completed or the subscription expires (if applicable), or you end the contract as described in clause 8, or we end the contract by written notice to you as described in clause 10.
7.2 We are not responsible for delays outside our control.
If our supply of the products is delayed by an event outside our control, then we will contact you as soon as possible to let you know and we will take steps to minimize the effect of the delay. Provided we do this we will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund for any products you have paid for but not received.
7.3 What will happen if you do not give the required information to us.
We may need certain information from you so that we can supply the products to you, for example, details of your charts and broker. If so, this will have been stated in the description of the products on our website. We will contact you to ask for this information. If you do not give us this information within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may either end the contract (and clause 10.2 will apply) or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for supplying the products late or not supplying any part of them if this is caused by you not giving us the information we need within a reasonable time of us asking for it.
7.4 Reasons we may suspend the supply of products to you.
We may have to suspend the supply of a product to:
(a) deal with technical problems or make minor technical changes;
(b) update the product to reflect changes in relevant laws and regulatory requirements;
(c) make changes to the product as requested by you or notified by us to you (see clause 6).
7.5 You’re rights if we suspend the supply of products.
We will contact you in advance to tell you we will be suspending the supply of the product unless the problem is urgent or an emergency. If we have to suspend the product, we will adjust the price so that you do not pay for products while they are suspended. You may contact us to end the contract for a product if we suspend it, or tell you we are going to suspend it, in each case for more than 6 months and we will refund any sums you have paid in advance for the product in respect of the period after you end the contract.
7.6 We may also suspend the supply of the products if you do not pay.
If you do not pay us for the products when you are supposed to (see clause 13.4) and you still do not make payment within 7 days of us reminding you that payment is due, we may suspend the supply of the products until you have paid us the outstanding amounts. We will contact you to tell you we are suspending the supply of the products. We will not suspend the products where you dispute the unpaid invoice (see clause 13.6). We will not charge you for the products during the period for which they are suspended. As well as suspending the products we can also charge you interest on your overdue payments (see clause 13.5).
8. SUPPORT AND COACHING SESSIONS
8.1 After we have accepted your order, we will provide you with a list of support sessions or coaching sessions (sessions) that may be available to you during the services. It is your responsibility to contact us, using the contact information which will be provided, to book the sessions that you may be entitled to.
8.2 We accept no responsibility for any sessions that you may miss due to your failure to book.
8.3 Should you require any support outside of the sessions during the services, please contact the contact us on the contact number which will be provided to you.
9. Recurring charges:
9.1 Monthly subscription fees will be automatically renew (AR) on the month anniversary of the commencement of the contract. This AR arrangement will be in place until you tell us, in writing that you wish to discontinue with your membership. The notification of your intention not to renew must be given not less than 7 days before the renewal date.
9.2 Annual subscription fees will be automatically renew (AR) on the yearly anniversary of the commencement of the contract. This AR arrangement will be in place until you tell us, in writing that you wish to discontinue with your membership. The notification of your intention not to renew must be given not less than 7 days before the renewal date.
10.1 We reserve the right to use any comments submitted as feedback via email or Skype ID for evaluation or unanimous marketing purposes. You may opt-out of this at any time by writing to us via email.
11. RIGHT TO CANCEL
11.1 If you purchase services from us, you have the right to cancel this contract within 7 days after we have accepted your order (“Cancellation Period”) without giving any reason. However, you do not have the right to cancel if you requested for us to start providing the services during the Cancellation Period and the services are fully performed (ie the work is completed) during this period.
11.2 To exercise the right to cancel, you must inform us of your decision to cancel this contract by a clear statement (eg email) using the contact details at the top of this page during the Cancellation Period.
11.3 We will not start providing the services during the Cancellation Period unless you ask us to.
11.4 For the avoidance of doubt, if you requested for us to start providing the services during the Cancellation Period and the services are fully performed (ie the work is completed) during this period, you lose your right to cancel and will be required to pay the full price under this contract even if the Cancellation Period has not expired.
11.5 If you place an order for digital content and view a minimum of three videos in any module, you lose your right to cancel
11.6 This means that you do not have the right to cancel this contract once the automatic download of the digital content starts and are not entitled to a refund unless the digital content is faulty.
11.7 This does not affect the rights you have if your digital content is faulty. A summary of these rights is provided in clause 12.
12.1 You may be able to terminate your contract with us if any of the following terms apply:
(a) If what you have bought is faulty or misdescribed you may have a legal right to end the contract (or to get the product repaired or replaced or a service re-performed or to get some or all of your money back), see clause 11.
12.2 Ending the contract because of something we have done or are going to do. If you are ending a contract for a reason set out at (a) to (e) below, the contract will end immediately and we will refund you in full for any products which have not been provided and you may also be entitled to compensation. The reasons are:
(a) we have told you about an upcoming change to the product or these terms which you do not agree to (see clause 6.2);
(b) we have told you about an error in the price or description of the product you have ordered and you do not wish to proceed;
(c) there is a risk that the supply of the products may be significantly delayed because of events outside our control;
(d) we have suspended supply of the products for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for more than 2 months; or
(e) you have a legal right to end the contract because of something we have done wrong.
12.3 Ending the contract for the ongoing supply of digital content or services where we are not at fault and there is no right to change your mind. Even if we are not at fault and you do not have a right to change your mind (see clause 8), you can still end the contract before it is completed. A contract for digital content is completed when the product is delivered, downloaded or streamed, and paid for. A contract for services is completed when we have finished providing the services and you have paid for them. If you want to end the contract in these circumstances, just contact us to let us know. The contract will not end until 1 calendar month after the day on which you contact us. We will refund any advance payment you have made for products that will not be provided to you. For example, if you tell us you want to end the contract on 4 February we will continue to supply the product until 3 March. We will only charge you for supplying the product up to 3 March and will refund any sums you have paid in advance for the supply of the product after 3 March.
12.4 Ending the contract for a one-off supply of digital content or services where we are not at fault and there is no right to change your mind. Even if we are not at fault and you do not have a right to change your mind (see Clause 8), you can still end the contract before it is completed, but you may have to pay us compensation. A contract for goods or digital content is completed when the product is delivered, downloaded or streamed, and paid for. A contract for services is completed when we have finished providing the services and you have paid for them. If you want to end a contract before it is completed where we are not at fault and you have not changed your mind, just contact us to let us know. The contract will end immediately and we will refund any sums paid by you for products not provided but we may deduct from that refund (or, if you have not made an advance payment, charge you) reasonable compensation for the net costs we will incur as a result of your ending the contract.
13. HOW TO END THE CONTRACT WITH US (INCLUDING IF YOU HAVE CHANGED YOUR MIND)
13.1 Tell us you want to end the contract.
To end the contract with us, please let us know by doing one of the following:
(a) Skype or email. Email us at email@example.com. Please provide your name, details of the order, your phone number, and email address.
13.2 Deductions from refunds if you are exercising your right to change your mind. If you are exercising your right to change your mind:
(a) If you have paid up-front for a one-off service or if you have paid up-front for ongoing services, we may deduct from any refund an amount for the supply of the service for the period for which it was supplied, ending with the time when you told us you had changed your mind. The amount will be in proportion to what has been supplied, in comparison with the full coverage of the contract. We reserve the right to apply a cancellation charge if you exercise your right to change your mind within the given period.
(b) If you are paying a monthly subscription for ongoing services, you will be charged up until the date you have told us you have changed your mind and you will have access to the services until the end of the month that you notified us that you would like to terminate the contract in. Following this, we will stop future payments and suspend your access to the services.
14. WHEN YOUR REFUND WILL BE MADE
14.1 You will only be eligible for a refund on the monthly and annual subscriptions if the request is made within 7 days of payment being taken. A request in writing must be given by you via email to firstname.lastname@example.org
14.2 We may end the contract if you break it. We may end the contract for a product at any time by writing to you if:
a) you do not make any payment to us when it is due and you still do not make payment within 7 days of us reminding you that payment is due;
b) you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the products;
c) you commit a material breach of any term of the Contract and (if such a breach is remediable) fail to remedy that breach within 20 days of you being notified in writing to do so.
14.3 If we deem is necessary to terminate the contract due to reasons of violation of ‘Prohibited Uses’ (above) or failure to pay.
15 IF THERE IS A PROBLEM WITH THE PRODUCT
15.1 How to tell us about problems. If you have any questions or complaints about the product, please write to us at email@example.com
15.2 Summary of your legal rights. We are under a legal duty to supply products that conform to this contract. See the box below for a summary of your key legal rights about the product. Nothing in these terms will affect your legal rights.
16. PRICE AND PAYMENT
16.1 Where to find the price for the product.
The price of the product will be the price indicated on the order pages when you placed your order. We use our best efforts to ensure that the price of the product advised to you is correct. However please see clause 12.3 for what happens if we discover an error in the price of the product you order.
16.2 We will pass on changes in the rate of VAT for UK residents .
If VAT is applicable and the rate changes between your order date and the date we supply the product, we will adjust the rate of VAT that you pay, unless you have already paid for the product in full before the change in the rate of VAT takes effect.
16.3 What happens if we got the price wrong.
It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the product’s correct price at your order date is less than our stated price at your order date, we will charge the lower amount. If the product’s correct price at your order date is higher than the price stated to you, we will contact you for your instructions before we accept your order. If we accept and process your order where a pricing error is obvious and unmistakable and could reasonably have been recognized by you as a mispricing, we may end the contract, refund you any sums you have paid and require the return of any goods provided to you.
16.4 When you must pay and how you must pay.
We accept payment with all major credit and debit cards. When you must pay depends on what product you are buying:
(a) For digital content, you must pay for the products before you download them.
(b) For services, you must make the initial payment or deposit as agreed in the order or confirmation process.
16.6 What to do if you think an invoice is wrong.
If you think an invoice is wrong please contact us promptly to let us know. You will not have to pay any interest until the dispute is resolved. Once the dispute is resolved we will charge you interest on correctly invoiced sums from the original due date.
17. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU
17.1 We are responsible to you for foreseeable loss and damage caused by us.
If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process.
17.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so.
This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights about the products as summarized in clause 11.2; and for defective products under the Consumer Protection Act 1987.
17.3 Our total liability to you.
In respect of all other losses arising under or in connection with the contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed the charges set out in the order.
17.4 When we are liable for damage to your property.
If defective digital content which we have supplied damages a device or digital content belonging to you. If this is caused by our failure to use reasonable care and skill we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
17.5 We are not liable for business losses.
We only supply the products for domestic and private use. If you use the products for any commercial, business, or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
(a) You acknowledge that the services provide guidance on trading the markets and there is an inherent risk to trading which you accept.
(b) The Customer acknowledges that the trading markets are closed from time to time and that this is beyond the control of the Supplier.
18. HOW WE MAY USE YOUR PERSONAL INFORMATION
18.1 How we may use your personal information.
19. OTHER IMPORTANT TERMS
19.1 We may transfer this agreement to someone else.
We may transfer our rights and obligations under these terms to another organization. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract. If you are unhappy with the transfer, you may contact us to end the contract within one month of us telling you about it and we will refund you any payments you have made in advance for products not provided.
19.2 You need our consent to transfer your rights to someone.
All course materials, services, and digital content are our exclusive property. These are for the use and benefit of the customer named in the order only. The customer may not share, distribute, sell or circulate any of these products without our prior written consent.
19.3 Nobody else has any rights under this contract.
This contract is between you and us. No other person shall have any right to enforce any of its terms. Neither of us will need to get the agreement of any other person to end the contract or make any changes to these terms.
You shall keep in strict confidence all technical or commercial know-how, software and packages, trading strategies, specifications, inventions, processes, or initiatives which are confidential and have been disclosed to you by us, your employees, agents or subcontractors, and any other confidential information concerning our business, our products, and services which you may obtain. You may also disclose such of our confidential information as is required to be disclosed by law, any governmental or regulatory authority, or by a court of competent jurisdiction.