Terms and Conditions

NOTICE

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS AND THE PRIVACY POLICY CAREFULLY BEFORE USING ANY ONLINE SERVICES OR THIS WEB SITE. IF IN DOUBT, PLEASE SEEK PROFESSIONAL ADVICE.

THIS IS OR WILL FORM A LEGALLY BINDING AGREEMENT BETWEEN YOU AND PENNYWISE WEALTH MANAGEMENT ESTABLISHING THE TERMS AND CONDITIONS UNDER WHICH THIS WEB SITE OR ANY ONLINE SERVICE MAY BE USED. USE OF ANY ONLINE SERVICE IMPLIES THAT YOU HAVE ACCEPTED THESE TERMS AND CONDITIONS.

IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEB SITE AND DO NOT USE THE ONLINE SERVICES.


COMPANY DETAILS

Pennywise Wealth Management was incorporated in England and Wales with limited liability by Royal Charter 1853, under reference no. ZC18 with its Principal Office at 1 Basinghall Avenue, London, EC2V 5DD.

Jurisdiction and Governing Law

These Terms of Use and any and all contracts concluded under them (and any related non-contractual matters) are governed by and shall be construed in accordance with the laws of England and Wales and all references in these Terms to laws and regulations are references to English laws and regulations unless otherwise specified. You agree that any dispute/s arising out of the Terms of Use or otherwise between us shall be subject to the exclusive jurisdiction of the Courts of England and Wales.

Product availability

The information contained on this Site, does not constitute a distribution, an offer to sell or the solicitation of an offer to buy in any jurisdiction in which such distribution, offer or solicitation is not authorised. Some products detailed on this Site are only available to persons in certain named countries. If you are accessing this Site , you must only access this Site where permitted under the applicable local laws and your local legislation may not permit us to offer products to you in your own country. Please check with your professional financial adviser as to whether such products are available in the country in which you are resident.

Where additional services are made available to you through this Site, these may be provided subject to their own specific terms and conditions. You will be required to read and understand any such additional terms and conditions and agree to be bound by them in all respects.

MATERIALS AND INFORMATION

Materials, information, marks and logos contained in or displayed on this Web Site are protected by intellectual property rights under applicable laws. No part of these material, information, marks and logos may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for any commercial or public purposes without the written permission of the Bank or the party owing these material, information, marks and logos.

DISCLAIMER

WHILST EVERY CARE HAS BEEN TAKEN IN PREPARING THE MATERIALS AND INFORMATION CONTAINED IN THIS WEB SITE, SUCH MATERIALS AND INFORMATION ARE PROVIDED ON AN "AS IS" BASIS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARDING NON-INFRINGEMENT, SECURITY, ACCURACY, RELIABILITY, FITNESS FOR A PURPOSE OR FREEDOM FROM COMPUTER VIRUSES IS GIVEN IN CONNECTION WITH SUCH MATERIALS AND INFORMATION.

THE MATERIALS AND INFORMATION CONTAINED IN THIS WEB SITE ARE PROVIDED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE USED AS A BASIS FOR MAKING DECISIONS. ANY ADVICE OR INFORMATION RECEIVED VIA THIS WEB SITE SHOULD NOT BE RELIED UPON WITHOUT CONSULTING PRIMARY OR MORE ACCURATE OR MORE UP-TO-DATE SOURCES OF INFORMATION OR SPECIFIC PROFESSIONAL ADVICE. YOU ARE RECOMMENDED TO OBTAIN SUCH PROFESSIONAL ADVICE WHERE APPROPRIATE.

PLEASE NOTE THAT ANY SOFTWARE DOWNLOADED FROM THIS WEB SITE IS AT YOUR OWN RISK AND PENNYWISE WEALTH MANAGEMENT NEITHER ASSUMES NOR ACCEPTS LIABILITY FOR ANY LOSS OR DAMAGE (WHETHER DIRECT OR INDIRECT), HOWSOEVER CAUSED, AS A RESULT OF ANY COMPUTER VIRUSES, TROJAN HORSES, WORMS, SOFTWARE BOMBS OR SIMILAR ITEMS OR PROCESSES ARISING FROM YOUR USE OF THIS WEB SITE, WHERE SUCH EVENTS AROSE OUT OF CIRCUMSTANCES OUTSIDE PENNYWISE REASONABLE CONTROL.

ANY HYPERTEXT LINK FROM THIS WEB SITE EXIST FOR INFORMATION PURPOSES AND ARE FOR YOUR CONVENIENCE ONLY AND PENNYWISE ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIFIC, INCIDENTIAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM THE ACCURACY OR OTHERWISE OF MATERIALS OR INFORMATION CONTAINED ON THE PAGES OF SUCH SITES OR LOSS ARISING DIRECTLY OR INDIRECTLY FROM DEFECTS WITH SUCH SITES LINKED. PENNYWISE INCLUSION OF HYPERLINKS DOES NOT IMPLY ANY ENDORSEMENT OF THE MATERIALS ON SUCH SITES LINKED.

PENNYWISE DOES NOT GUARANTEE THAT ANY E-MAILS FROM THE WEB SITE WILL BE SENT TO YOU OR RECEIVED BY PENNYWISE NOR DOES PENNYWISE WARRANT THE PRIVACY AND/OR SECURITY OF E-MAILS DURING INTERNET TRANSMISSION WHICH IS OUTSIDE PENNYWISE'S REASONABLE CONTROL. PENNYWISE ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM FAILURE OF ANY INTERNET TRANSMISSION (INCLUDING E-MAILS CORRESPONDENCE) FROM THIS WEB SITE OR OTHERWISE.

PRIVACY

Unless restricted by applicable laws, you agree that any and all personal data relating to you collected by Pennywise from this Web Site may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with Pennywise's prevailing Privacy Policy as amended from time to time.

You should also read any risk disclosure statement contained in any particular investment product you intend to purchase, subscribe . If in doubt, please seek specific professional advice.

INDEMNITY

YOU HEREBY AGREE TO INDEMNIFY AND TO KEEP PENNYWISE FULLY AND EFFECTIVELY INDEMNIFIED AGAINST ANY ACTION, LIABILITY, COST, CLAIM, LOSS, DAMAGE, PROCEEDING OR EXPENSE (INCLUDING LEGAL FEES, COSTS AND EXPENSES ON A FULL INDEMNITY BASIS) SUFFERED OR INCURRED BY PENNYWISE ARISING FROM OR WHICH IS DIRECTLY OR INDIRECTLY RELATED TO:

TERMINATION

Pennywise Wealth Management may terminate these terms and conditions, your access to this Web Site and use of online services at any time, without prior notice to you.

MODIFICATION

PennyWise Wealth Management reserves the right in its discretion to change at any time without prior warning or notice any information or material contained on this Web Site and is entitled to from time to time amend the terms and conditions under which this Web Site is used with prior notice to you. If you continue to access to this Web Site or use any of the online services after such modification, you are regarded to have agreed to be bound by such modified information, material, and terms and conditions.

INTELLECTUAL PROPERTY RIGHTS

All contents of this Web Site including but not limited to the texts, graphics, links and sounds are the copyright of PennyWise Wealth Management and may not be copied, downloaded, distributed or published in any way without the prior written consent of PennyWise Wealth Management.

"PennyWise Wealth Management,PennyWise Investment and PennyWise Finance, are registered trade marks and service marks of PennyWise Wealth Management Group and no permission or license is granted to use any such trade marks or service marks without the prior written consent of PennyWise Wealth Management. All other marks, names and logos used on this Web Site relating to companies within the PennyWise Wealth Management Group or to their products or services are the intellectual property rights held by companies within the PennyWise Wealth Management Group unless otherwise stated.

In relation to any information or materials which you submit to PennyWise Wealth Management using this Web Site, you hereby grant to PennyWise Wealth Management a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transaction, distribution and publication thereof, unless restricted by applicable laws.

You agree that PennyWise Wealth Management shall not be under any obligation of confidentiality to you regarding any such information or material submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and PennyWise Wealth Management or required by applicable laws.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this Web Site.

IDENTITY VERIFICATIONS

Pennywise Wealth Management implements and maintains the highest standards of Know Your Customer (“KYC”) processes and controls as part of our commitment to combating fraud and assisting in the prevention of money laundering and terrorist financing. Pennywise Wealth Management voluntarily adheres to local and international compliance standards in relation to customer due diligence.

To ensure we meet these standards, our customers are required to provide certain personal details (“Identity Verification”). The nature and extent of the Identity Verification required will depend upon which of our supported countries you are resident in, and the deposit and withdrawal limits that you wish to apply to your Pennywise Wealth Management Account. In certain circumstances, Pennywise Wealth Management may also perform enhanced due diligence (“EDD”) procedures in relation to your Pennywise Wealth Management Account. You accept and agree that you will remain subject to this procedures at all times.

Pennywise Wealth Management reserves the right to, at any time:

restrict or suspend your Pennywise Account when we, in our sole discretion, consider it necessary to carry out further Identity Verification and/or EDD; or

terminate your Pennywise Account if you provide, or we suspect you have provided, false information or refuse to provide information we require for Identity Verification and/or EDD.

You accept and agree that there may be delays in accessing your Pennywise Account, or in carrying out transactions through your Pennywise Account, while we undertake any Identity Verification and/or EDD procedures.

RESTRICTION, SUSPENSION AND TERMINATION

Pennywise Wealth Management reserves the right to restrict, suspend or terminate your Pennywise Account where:

Pennywise Wealth Management will make all reasonable efforts to provide you with notice of any decision to restrict, suspend or terminate your Pennywise Account, unless we are prevented from doing so by any legal or regulatory process or requirement, or where doing so may compromise Pennywise security and/or risk management procedures. You accept and agree that Pennywise is under no obligation to disclose to you the fact of or reason for any decision to restrict, suspend or terminate your Pennywise Account, and shall have no liability to you in connection with the restriction, suspension or termination of your Pennywise Account.

TAXES

You are solely responsible for determining whether, and to what extent, any taxes apply to any transactions you carry out through your Pennywise Wealth Management Account, and for withholding, collecting, reporting and remitting the correct amounts of tax to Pennywise Wealth Management.

Withdrawals above $5000.00 within 90 days attracts an investment tax as stipulated by the security and exchange regulations. You accept and agree that you will remain subject to this procedures at all times.

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