Terms and conditions

Introduction
1. This document contains the contract between I-TRADERS and you (“the Terms”).
2. Please note: -
  - You should read the Terms carefully, to make sure they contain everything you wish to form part of the Terms and do not contain anything you do not agree to. So, for example, if you have relied on anything we or our agents or other representatives have said, you need to tell us. By using our Services you confirm that you consent to the Terms.
  - If there is anything you do not understand, or if you require clarification on any matter, please contact us. Please also bear in mind your right to cancel or terminate the Terms; see clause 15.
  In view of the above, if you think something is missing or wrong or should be part of the Terms (but is not included) you need to tell us. However, nothing else will be part of the contract between us unless we have expressly agreed in writing that it forms part of the Terms.
  
  Once we have accepted your online application you will be bound by the Terms.
Warnings
1. Please note: -
  - depending on the type of Service to be supplied to you, the Services may include information, interpretation and analysis in relation to financial markets and instruments. You accept that we do not provide (and the Services do not include) advice and/or personal recommendations; we do not consider whether the Services (nor any financial market and/or instrument) are appropriate or suitable for you. You must make your own decision as to the use you make of the Services;
  - the Services are provided on the basis that you are prepared to take the risk of loss arising from relying on the Services and that you/your advisors have the experience and knowledge to make an informed assessment of the information you obtain using the Services;
  - you accept that, whilst we will obtain information and data that in our opinion is reasonable in order to provide the Services, it is not practicable or possible for us to obtain, rely on and/or take account of all available information and data in relation to any particular matter and that the Services will be provided on the basis of the information and data we obtain and rely on, acting reasonably. We may rely on information, data and analysis of third parties;
  - you accept that the nature of the Services are such that any information, interpretation or analysis may well become out of date or inaccurate (in whole or in part), depending on the underlying financial market and/or instrument to which it relates; it is not possible to predict the speed at which this may happen and the change may be very sudden. It will not be possible for us to notify you of such changes;
  - in the course of providing the Services, we may disregard or take into account such factors as we (acting reasonably) think appropriate in the circumstances;
  - you are responsible for the interpretation of all the information obtained through your use of the Services and all losses, costs and expenses you incur as a result of using the Services. In addition it is your responsibility to obtain appropriate legal, tax and/or financial advice before you do or omit to do anything as a consequence of the Services.
  - if you invest in a financial instrument you may incur substantial losses. The value of financial instruments can go down as well as up. You should not invest unless you are prepared to sustain this degree of loss;
  - some financial instruments are leveraged, volatile and of a contingent liability nature. You may become liable to make future payments (in addition to charges or margin) if any transaction fails to be completed or on the earlier closing out of your positions;
  - whether you make a profit or a loss will depend on fluctuations in markets over which neither you nor I-TRADERS will have any control;
  - debts (in relation to the financial instruments to which the Services relate) are legally enforceable;
  - exchange rates may affect your profits or losses;
  - if you intend to engage in any kind of investment activity it is your responsibility to make sure you understand all the risks, including how potential losses can arise, all terminology, how to calculate profits and losses and how the market or instrument concerned works;
  - we will rely on the representations and warranties made by you, in particular in clause 10 and any made by you to us in the course of our provision of the Services.
  No guarantee representation or warranty is made that you will make a profit. You may incur substantial losses.
2. If you are in any doubt about using the Services you should take legal or other financial advice from an appropriately qualified person.
Tax
1. In relation to tax: -
  - I-TRADERS is not giving you tax advice. You are responsible for obtaining your own tax advice and for paying all tax that may arise from anything done or omitted by you;
  - tax treatment will depend on your individual circumstances and the tax jurisdiction that applies to you;
  - tax treatment may well change in the future.
Definitions
1. Words with capital letters have particular meanings. See clause 21. If anything is unclear, please call us.
Commencement
1. To start receiving the Services you must complete the online application process via our Website. As part of this process you indicate which elements of the Services you require. In addition, you must provide us with the information we request. If we accept your application we will activate the Services.
Services
1. The Services will be provided via the Website.
2. We will use reasonable endeavours to provide the Services and will use reasonable care and skill in the provision of the Services. However, we do not tailor or adapt the application of the Services to your personal situation.
3. The Services are not exclusive to you and are provided to you and other clients.
4. Conflicts of interest may arise in the course of our provision of the Services. We may for example receive a payment from someone from whom we obtain information in relation to the Services. When deciding whether or not to engage us to provide the Services, you should take into account that we may have a conflict of interest or material interest in relation to the matter concerned. Conflicts of interest and material interests will be managed in accordance with our Conflicts of Interest Policy.
5. We will use reasonable endeavours to ensure that the Website can normally be accessed for use. However: -
  - we do not warrant that the Website will always be accessible or usable;
  - we do not warrant that access to the Website will be uninterrupted or error free;
  - we are entitled to suspend (with or without notice) for any good reason including to carry out maintenance, repair, upgrades or development (though we will endeavour to give you prior notice);
  - we are not liable for any losses arising if access is prevented or interrupted due to an Event Outside our Control and/or for maintenance, repair, upgrades or development;
  - technical or communication difficulties may be encountered.
6. We will use reasonable endeavours to ensure that the Website is free from any virus, but we do not warrant that this will be the case. You must use your own virus protection software.
7. You are responsible for ensuring that your information technology is compatible with ours.
Charges
1. Prices for the Services are specified on the Website.
2. Unless otherwise specified on the Website, amounts payable for the Services are payable monthly by direct debit or other means of automated transfer of funds to us. All amounts must be paid within 7 days of the end of the month to which they relate. All amounts must be paid without set-off or deduction plus applicable taxes such as VAT. Time is of the essence for all payments. You cannot withhold payments because matters are in dispute.
I-TRADERS’ Rights

General
1. References to notice (in this clause 8) means notice in writing, by email or any other means of electronic communication. If we exercise any of our rights under the Terms without giving you notice, we will give you notice as soon as reasonably practicable after exercising the right, unless we are restricted from doing so by law or the Regulatory System.
Compliance with law
1. To the extent required by law or the Regulatory System we may cease or suspend provision of the Services. These actions may occur with or without notice.
Services
1. I-TRADERS can by not less than 30 days notice in writing to you, notify you that it will no longer provide the Services (in whole or part).
2. To the extent that I-TRADERS is required by law to be authorised to provide the Services and any such authorisation is withdrawn or not in place, then I-TRADERS shall be entitled cease to provide that element of the Service. We will, if practicable, give you advance notice of this; however, if that is not practicable we will inform you of the changed range Services after the change has taken place.
Termination of the Services
1. I-TRADERS can terminate the Terms and cease providing Services to you by at least 14 days notice to you (subject as mentioned below) if: -
  - you persistently fail to pay (on time) any amount owed to us;
  - any amount owed to us has not been paid within 7 days of its due date;
  - any litigation is commenced between us;
  - an Insolvency Event occurs in relation to you. In this case we may terminate the Terms immediately without prior notice (though we would inform you that we had done so);
  - you die or become a patient under or any Court order is made in respect of you under relevant mental health legislation or we reasonably believe the same to be true. In this case we may terminate the Services immediately without prior notice (though we would inform you that we had done so).
2. We can also terminate the Services under clause 15.
Interest and Costs
1. If any amount you owe (except interest) is not paid within 7 days of its due date we can charge you interest from the due date until payment in full, (before and after judgement). The interest rate will be at 4% above Barclays Bank PLC’s base rate from time to time. You must pay to I-TRADERS all costs and expenses it incurs because you fail to pay amounts when due or breach the Terms. These include bank charges, Court fees, legal costs and other third party costs reasonably incurred. Interest, costs and expenses referred to above are debts payable by you to I-TRADERS.
Events Outside our Control
1. If an Event Outside our Control and/or a Market Disruption Event occurs, we are entitled to cease or suspend provision of the Services (in whole or in part). If an Event Outside our Control and/or a Market Disruption Event continues for more than 10 Business Days and is materially preventing or delaying performance of the Services either of us may terminate the provision of the Services by not less than 7 days written notice to the other.
Regulatory Provisions

Money
1. We do not hold client money.
Complaints and Disputes
1. The sooner you raise any complaint or dispute with I-TRADERS, the easier we will be able to deal with it.
2. Copies of our complaints handling procedure are available on request from us.
3. Any complaint or dispute should in the first instance be referred to us. If not resolved to your satisfaction you may refer the matter in writing to the Compliance Manager of 20Twenty Independent Limited who act as our principle for regulated activity. Their address is 67 Clerkenwell Road, London EC1R 5BL. If you are dissatisfied with the handling of any complaint, you may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Any customer who was not a retail client (at the relevant time) does not have the right to refer complaints to the Financial Ombudsman Service.
Compensation
1. If you are an eligible claimant under the rules of the FSA, you will be protected by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations.
Representations and Warranties
1. When you enter into the Terms, you represent and warrant to us that all information you have provided to us (including as part of your application process) is true accurate and complete in all material respects (this applies in particular to your age and identity). You warrant each time you provide any other information to us that such information is true accurate and complete in all material respects;
Data Protection
1. I-TRADERS is the data controller in relation to Your Information.
2. You agree that I-TRADERS can
  - rely on Your Information in assessing your application and in all its dealings with you; and
  - store and process Your Information on its computers, databases and any other way.
3. You agree that I-TRADERS can use, analyse, assess and deal with Your Information as follows: -
  - to consider applications made by you;
  - for financial risk assessment, credit checks, money laundering checks, compliance, regulatory reporting and fraud prevention. This includes performing credit and identity checks, obtaining bankers’ references, making enquiries of credit reference and fraud prevention agencies, undertaking searches of the Electoral Register and making any other enquiries reasonably thought fit. You understand that credit reference agencies and fraud prevention agencies may maintain a record of any enquiry and the information given to them and may share search details and Your Information with us and other organisations for credit, fraud, crime prevention and money laundering purposes (or similar) or to recover or trace debts;
  - to comply with applicable law including the Regulatory System;
  - to operate and administer the Services supplied and recover amounts payable;
  - for assessment and analysis (including statistical, product and marketing analysis) including to identify Services which may interest you;
  - to help us understand and develop our businesses and Services.
4. You agree that I-TRADERS can disclose Your Information as follows: -
  - to our service providers (including any data processors we or they may engage), agents or sub-contractors (including in connection with legal proceedings), on the understanding that they will keep the information confidential;
  - to any person with whom we may deal in the course of providing the Services;
  - to any regulator of I-TRADERS’ business or your employer if it is authorised or exempt under FSMA 2000 (including its compliance officer and by sending contract notes and statements to that compliance officer);
  - in response to enquiries made by credit reference or fraud prevention agencies or any other person we reasonably believe to be seeking a reference or credit reference in good faith;
  - to anyone to whom we transfer all or any of our rights and/or obligations in relation to Your Information under the Terms;
  - to any person to whom we have a duty to disclose or to the extent that the law requires or permits us to disclose (including any governmental, regulatory or other relevant authority).
5. You have rights under the Data Protection Act 1998, for example to be informed of the type of personal data held and its uses.
6. As our business develops, the way in which we look at, record and use Your Information may change. Generally this will be because of changes in technology and in line with your expectations. If however we believe that the change is not obvious to you, we will give you notice. If you are notified of a change and continue to subscribe to the Services for at least 60 days after you are notified, then you will have consented to that change (unless you write to us and tell us that you do not consent).
7. In order to provide Services to you, it may be necessary for Your Information to be transferred to someone who provides a service to us in other countries (including countries outside the EEA). You consent to that. If we do so we will ensure that the person to whom we pass the information agrees to treat it with the same level of protection as if we were dealing with it.
8. You agree that we may record all conversations with you and monitor (and maintain a record of) all e-mails sent by or to us. All those records are I-TRADERS’ property and can be used by us in the case of a dispute.
9. I-TRADERS will add Your Information to its databases/store information manually for the purposes of informing you (whether by letter, telephone (including text messages), electronically by computer or otherwise) about its Services which may be of interest to you. If you do not wish to receive this information, please contact us.
Intellectual Property
1. The Website and any and all information or materials contained in it or which we may supply or make available to you (including any software which forms part of those items), are and will remain our property or that of our service providers. In addition: -
  - all copyrights, trademarks, design rights and other intellectual property rights in those items are and will remain our property (or those of third parties whose intellectual property we use in relation to the Services we provide to you);
  - we make the Services available to you on the basis that (a) we can also make the Services available to other persons and (b) we can cease provision of the Services, but we will only do that if the Terms have been terminated or if our service providers require us to;
  - you must not make all or part of the Services available to anyone else; and you must not copy all or any part of them;
  - you must not delete, obscure or tamper with copyright or other proprietary notices we may have put on the Website;
  - you must only use the Services in accordance with the Terms;
  - if we have provided any materials to you in connection with the Terms you must return those to us on the termination of the Terms.
2. We warrant that we have the right to permit you to use the Website in accordance with the Terms.
3. We are required by our providers to obtain certain confirmations from you. You confirm in relation to that data (to the extent that we make it available to you) that: -
  - you will not distribute, re-publish or otherwise provide that data to any third party in any manner;
  - you either act in a personal capacity or on behalf of a corporate or other entity (in which case you are duly authorised to act on its behalf);
  - if you act in a personal capacity and you are a registered or qualified professional securities trader or investment adviser, you will use any data to which you have access under the Terms only for the enjoyment of the Services.
Alteration of Terms
1. Other than where we have expressly reserved the right in the Terms to make changes we may amend or replace the Terms in whole or in part by giving written notice to you of the changes. We will only make changes for good reason including as a result of market conditions, changes in the way we operate our business, changes in the Services to be provided to you, changes in the cost of providing a Service to you and changes in legal or other requirements affecting us. Circumstances in which we may make changes also include to reflect changes in accepted industry guidance and codes of practice which have as their objective, consumer protection.
  
  Subject to clauses 13.2 and 13.3 the amendments or new Terms apply as at and after the effective date of the change.
2. If you object to any changes (as referred to in clause 13.1), you must tell us in writing within 14 days of the date notice is served on you. If you do not do so, you will be deemed to have accepted them. If you do give us notice that you object, then we will, in any event, terminate the Terms and cease to provide the Services to you on the 30th day after the date we receive your notice of objection as referred to in clause 13.2.
3. Clause 13 does not affect the rights we have reserved elsewhere in the Terms to make changes.
4. If we have said in these Terms that something is to be agreed in writing that includes on paper, by fax or by e-mail.
Notices
1. Any notice to a party under the Terms may be given personally, by post or e-mail and, if we wish to give a notice to you, we may do so by publishing it on the Website. A notice shall be deemed to have been served: at the time of delivery if delivered personally, on the 3rd Business Day after posting if sent by post, email or published on the Website.
2. The Terms will be supplied to you in English, we will communicate in English with you and all documents and information will be provided to you in English.
Cancellation and Termination
1. You may cancel the Terms (and the Services in whole, not in part) by serving notice on us within 14 days of the date we started to provide the Services to you. To cancel the Terms, please email us or write to us at the address given on our Website.
2. If you do not exercise the cancellation right, the Terms will continue until either you or we terminate the Terms in accordance with the Terms.
3. In addition to this initial right to cancel, you have a separate and independent right to terminate the Terms (and terminate the Services) (in whole, not in part) by giving us written notice at any time to terminate the Terms. Please email us or write to us at the address given on our Website.
4. We can terminate the Terms and cease to provide the Services at any time by not less than 30 days prior notice given to you at any time.
5. If either of us give notice to cancel or terminate the Terms, we will cease to provide the Services, but you shall be obliged to pay for the Services until the cancellation or termination takes effect.
6. If the Terms are cancelled or terminated, that will not affect any liability either of us have towards the other in relation to any period prior to termination (e.g. amounts you owe us).
Limitation of Liability
1. You acknowledge that no representation, warranty or other assurance is given that the Services will result in a profit to you.
2. Nothing in the Terms shall exclude or limit any liability of I-TRADERS: -
  - arising by reason of its negligent acts or omissions;
  - arising out of its dishonesty, fraud or fraudulent misrepresentation;
  - for death or personal injury;
  - or duty I-TRADERS has to you under the rules of the FSA, unless expressly excluded or limited by the Terms in accordance with the rules of the FSA.
3. We shall not be liable to you for any losses liabilities or expenses (whether or not reasonably foreseeable) you may suffer or incur: -
  - as a consequence of the Services, provided that we have complied with our obligations under the Terms, where relevant to the loss concerned. In particular provided we have complied with our obligations under the Terms where relevant to the loss concerned, we will not have any liability to you even if you would not have suffered the loss or your loss would have been reduced in any of the following circumstances: -
    - if we had used a different method of compiling information;
    - if we had used other available information or data;
    - if we had disregarded or not relied on anything we did take into account;
  - as a result of the exercise of our rights under clause 8.8 (Events Outside our Control and Market Disruption Event) or in the event of a Manifest Error;
  - if an Event Outside our Control prevents or delays either of us being able to perform the Terms and/or our provision of Services.
4. Internet communications are not secure unless the data being sent is encrypted.
5. We do not exclude or limit our liability to you in relation to the matters in clause 16.2. Subject to that, we are not liable to you for any of the following, even if they arise as a result of our breach of the Terms: -
  - losses, liabilities and expenses which were not reasonably foreseeable;
  - loss of profit or loss of opportunity (including in relation to subsequent market movements) and whether or not reasonably foreseeable.
  The above exclusions apply even if we had been advised of the possibility that you might incur them and apply in particular to losses, liabilities and expenses (as above) in relation to: -
  - the Services;
  - the unavailability of the Website;
  - anything done or omitted in relation to and/or arising out of the occurrence of an Event Outside our Control, Manifest Error or Market Disruption Event;
  - any inaccuracy or mistake in any information given to you by us or another person;
  - any trades or other transactions you make or refrain from making with any person;
  - the exercise by I-TRADERS of any of its rights under the Terms or at law.
6. If the exclusions and limitations on liability in clauses 16.3 and 16.5 are not acceptable to you, you should not accept the Terms.
7. When agreeing to provide the Services and to apply the Terms, I-TRADERS has done so on the basis that the limitations and exclusions on liability contained in the Terms and in particular in this clause 16 are valid and enforceable. I-TRADERS does not effect insurance in respect of the liabilities limited and/or excluded under this clause 16. If the limitations and/or exclusions on I-TRADERS’ liability in the Terms are not acceptable to you, you should not deal with I-TRADERS.
Waiver, Remedies and Enforceability
1. If you or we do not exercise a right (or delay in doing so) that will not stop either of us exercising that right.
2. If you or we decide in a particular instance not to take action in respect of a particular breach of the Terms or not to require compliance with any particular Term, that will not stop either of us : -
  - requiring the other to stop the breach concerned; and
  - requiring compliance in the future.
  This means in particular in the case of I-TRADERS, that if we have not insisted on compliance in the past we can still require full compliance in the future (but we would notify you of that).
3. All rights granted to I-TRADERS are exercisable by I-TRADERS in its absolute discretion.
4. If a Court decides that any part of the Terms is not enforceable, that will not affect any other part of the Terms.
Rights of Third Parties
1. No provision of the Terms is enforceable under the Third Parties Act by a person who is not a party. This does not affect any right or remedy of such a person which exists or is available apart from under the Third Parties Act.
2. Even if the Terms are enforceable by a person who is not a party, the Terms may be varied, amended or modified, or the Terms may be suspended, cancelled or terminated by agreement in writing between I-TRADERS and the Client or as otherwise provided in the Terms (including clause 13) or rescinded, in each case without the consent of any such third party.
Assignment
1. You must not assign or transfer the benefit and/or burden of the Terms (in whole or in part).
2. I-TRADERS may assign or transfer the benefit and/or burden of the Terms (in whole or in part) to any third party provided that I-TRADERS gives you at least 30 days written notice of such assignment or transfer and we have not received written notice from you within that 30 day period that you object to such transfer or assignment.
General
1. The Terms set out everything that has been agreed between us relating to the provision of Services. Note in particular that: -
  - The Terms replace any previous terms between us.
  - Nothing, apart from the Terms (and anything else we have agreed in writing with you, as forming part of the contract between us) is part of the contract between us.
2. All other terms, conditions and warranties implied by statute or common law are excluded to the fullest extent permitted by law.
3. Each of the restrictions and provisions contained in the Terms and each clause and sub-clause of the Terms shall be construed as separate and independent of every other restriction, provision, clause and sub-clause and each shall be capable of being severed without prejudice to the remaining provisions of the Terms and/or the remaining provisions of the affected part (as the case may be).
4. Notwithstanding clauses 20.3, it is nevertheless agreed that if any of the restrictions or provisions contained in this agreement shall taken together or separately be held to be void or ineffective for any reason in whole or in part but would be held to be valid and effective if part of the wording were deleted, that restriction or provision shall apply with such deletions as may be necessary to make it valid and effective.
5. In the event of any conflict between the Terms and the terms and conditions for the Website, the Terms shall prevail.
Definitions
1. In addition to expressions defined elsewhere, the following expressions have the meanings set out below: -
  “Business Day”
  
  Monday to Friday (inclusive) excluding any English public holiday
  
  “Event Outside our Control”
  any cause preventing I-TRADERS from performing any or all of its obligations under the Terms which arises from or is attributable to acts events omissions or accidents beyond the reasonable control of I-TRADERS including:-
  1. an emergency or exceptional market condition;
  2. compliance with any law governmental order or the Regulatory System;
  3. any act, event, omission or accident which prevents an orderly market being maintained in respect of the Services;
  4. any strike, lock-out or other industrial dispute, riot, terrorism, war, civil commotion, nuclear, chemical or biological contamination, sonic boom, act of God, malicious damage, accident, breakdown of equipment, fire, flood, storm, interruption of power supply, failure of a utility service or breakdown of or interruption in any electronic, communication or information system;
  5. the suspension or closure of any index/market/exchange or the abandonment or failure of any event upon which prices of the financial instruments are based, or the imposition of limits or special or unusual terms on any such event or public holidays affecting us or our providers
  “FSA”
  
  the Financial Services Authority and any successor to that
  authority
  “FSMA 2000”
  
  the Financial Services and Markets Act 2000
  
  “Insolvency Event”
  in relation to you:
  1. if a resolution is passed or an order is made for your winding up, dissolution or administration, if any bankruptcy order is made against you, the appointment of a receiver, administrator, manager, administrative receiver or similar officer over, or if any encumbrancer takes possession of or sells, all or any part of your business or assets, the making of an arrangement or composition with your creditors generally or the making of an application to court for protection from your creditors generally (including under Chapter 11 of the US Bankruptcy Code). If the Client is a partnership, the occurrence of any of the foregoing events in relation to any partner in that partnership shall be deemed an “Insolvency Event” in relation to the Client; or
  2. if you become insolvent or are otherwise unable to pay your debts as they fall due, or any act of insolvency or analogous event (to those set out in paragraph (a) above) occurs in respect of you
  “I-TRADERS”, “us”, “our” and we”
  
  I-TRADERS Limited (co. no. 06063203)
  
  “Manifest Error”
  
  any error omission or misquote (by I-TRADERS or any third party) which is manifest or palpable. This includes us or a third party providing the wrong information (e.g. prices) taking into account the current market. Examples include wrong price, month, market or any error of any information, source, commentator, official, official result or pronunciation
  
  “Market Disruption Event”
  any of the following events:-
  1. trading in respect of any financial instrument relevant to the Services is suspended or limited for any reason whatsoever, including by reason of movements in the price of that financial instrument exceeding limits permitted by the relevant exchange or limits or special or unusual terms are imposed on the trading of any financial instrument by the relevant exchange;
  2. trades in relation to any financial instrument relevant to the Services are cancelled by the relevant exchange;
  3. an unusual movement in the level of, or the unusual loss of liquidity in respect of any financial instrument relevant to the Services or our reasonable anticipation of the occurrence of the same;
  4. the occurrence of any other event which causes a material market disruption in respect of any Services
  “Regulatory System”
  
  all UK and international legislation, rules and regulations applicable to the Services including FSMA 2000, market abuse legislation in force, the rules and regulations of the FSA, the Takeover Panel and securities exchanges
  
  “Services”
  
  services from time to time in the range of services supplied by I – Traders via the Website
  
  “Terms”
  
  these terms and conditions, as from time to time amended and/or replaced in accordance with clause 13
  
  “Third Parties Act”
  
  the Contracts (Rights of Third Parties) Act 1999
  
  “the Website”
  
  the website maintained by I-TRADERS for access by Clients, currently under the URL: www.i-traders.co.uk and www.i-traders.com
  
  “you” and “your”
  
  a person to whom I-TRADERS provide the Services
  
  “Your Information”
  all personal and financial information about you which:-
  1. I-TRADERS obtains from you (including when you sign up on the Website), from your use of learning tools or from third parties such as joint account holders, credit reference agencies, fraud prevention agencies or other organisations; and/or
  2. relates to or is ascertained from these Terms, the way you use the Services, the transactions and payments made including information as to late payments.
2. When you read the Terms, bear in mind the following: -
  - we have included headings to clauses to help you find relevant clauses. However these headings will not affect the meaning of the Terms;
  - in some places we refer to statutes or other laws. In doing so, we are also referring to any changes that might be made to those statues or laws, e.g. by amendment or by a new statute replacing an old one;
  - sometimes we have given examples to help your understanding. However, examples are not a complete list. So, if you see the words, “including”, “include”, “in particular”, “for example” or “e.g.” please bear in mind that the words that follow are just examples and are not a complete list;
  - if we refer to a person, that includes a natural person and anyone else the law recognises as having a legal personality, e.g. a company or trust. It will also include a partnership, even if that partnership does not have a recognised legal personality;
  - when we refer to the singular we also refer to the plural and vice versa. Any reference to a particular gender includes the other genders;
  - all times refer to UK time.
Law and Jurisdiction
1. The Terms and our relations prior to the establishment of any contract between us shall be governed by and construed in accordance with the laws of England and Wales.
2. The Courts of the United Kingdom will have exclusive jurisdiction over any claim or matter arising under or in connection with the Terms and the legal relationships established by the Terms. Nothing in this clause shall limit the right of I-TRADERS to take proceedings against the Client in any other court of competent jurisdiction, nor shall the taking of proceedings in any one or more jurisdictions preclude the taking of proceedings in any other jurisdictions, whether concurrently or not, to the extent permitted by the law of such other jurisdiction.
Regulation of I-TRADERS
1. I-TRADERS is an appointed representative of 20Twenty Independent Ltd for its regulated activities. 20Twenty Independent Ltd is authorised and regulated by the FSA under number 137678, and can be contacted on 0207 400 8600. I-TRADERS’ main business is provision of information over the Internet to clients who subscribe to such information.

January 2009

Terms and conditions

Introduction

Warnings

Tax

Definitions

Commencement

Services

Charges

I-TRADERS’ Rights

General

Compliance with law

Services

Termination of the Services

Interest and Costs

Events Outside our Control

Regulatory Provisions

Money

Complaints and Disputes

Compensation

Representations and Warranties

Data Protection

Intellectual Property

Alteration of Terms

Notices

Cancellation and Termination

Limitation of Liability

Waiver, Remedies and Enforceability

Rights of Third Parties

Assignment

General

Definitions

Law and Jurisdiction

Regulation of I-TRADERS