Who we are

Our website address is: https://adamfayed.com.

Using and entering adamfayed.com constitutes a signature of your consent to the below information. If you disagree with any aspect of the below, entering and continuing to use this website is prohibited.

This website is not for American residents or expats, unless for informational purposes only.

Even for non-Americans, this website should not be considered as solicitation.

The information contained on this website is for general guidance on matters of interest only.

Data Protection Laws

We comply with all data protection laws for our jurisdiction so we delete data if applicable.

Besides the law, we have no interest in holding data, unless we are asked to by third party providers or need to by law.  

You have a right to be asked to unsubscribe from our lists at any time, even if you originally opted in.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Analytics

Who we share your data with

We only share your data with people from the adamfayed.com affiliated network. At any time, you can request us to get rid of your data.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Terms and Conditions 

This pages outlines the terms and conditions which adamfayed.com wants to make you aware of.  These terms and conditions also apply to the Investing Right App.  By making use of this website, or the app, you are bound by the terms and conditions.   

Reverse solicitation 

We never “actively” seek clients via cold calling people we don’t know, or sending direct messages on LinkedIn to strangers.

We only provide information and it is up to you if you want to engage our services after receiving that information.

If you use our services in any way, you were the ones to reach out to us, and not the only way around.

Nothing on this website represents an offer to buy or sell any  insurance or investment product.

Investments and tax

This website and the information on here is not intended for distribution or publication in any country or jurisdiction where such use is contrary to any applicable laws

We never approach people directly on a one-on-one basis, and it is up to you if you approach use.

Information on this website should not be considered investment advice, tax advice nor a solicitation to invest.  

Some of our products and services won’t be available in your jurisdiction. None are available in the United States as an example.

If you engage with us, it is your responsible to check if the services are compliant with the laws where you live.

You shouldn’t assume that just because one of our consultants lives in country A, that automatically means we are regulated in that country.

We never claim our services or products are regulated in the jurisdiction where you live. Investments can go up or down, so we can’t be held liable for any falls in your investment account, if you implement what you perceive to be guidance from us, or indeed eventually take guidance from us. 

Even if we engage in an investment relationship, you should consider what we are offering as guidance rather than investment advice, and it should be understood that you have approach us on a referral agreement basis, rather than us approaching you.  

Any views or opinions expressed are those of the author and do not necessarily reflect the official position or policy of adamfayed.com, or for that matter, Adam Fayed, who uses third party staff extensively. 

We do not claim that we intentionally want to distribute through the internet and in places where it isn’t available to do so by law. 

Investments are best done long-term and can rise or fall and you can lose more than you put in. We cannot be held responsible for any loses.

Investors should seek financial advice in regards to the appropriateness of investing in any securities, investments or insurance from this website, and should realise that statements regarding future returns may not be realized.

Any average returns are merely that; past averages. Past returns are not guarantees of future returns.

Before making any decision or taking any action, you should consult, investors are urged to seek independent tax or financial advice.

For some nationalities it makes sense to seek advice in your  home country as well. 

Accuracy 

Whilst we try to make sure our information provided is accurate and up to date, we can’t be held responsible for any inaccurate information. This website is for general information only.

Third parties 

We cannot be held responsible for third party advice or terms and conditions, including surrender penalties, charges, fees and legal terms.  We also can’t be held responsible for events outside our control.   

Any information posted online, by third parties, should not be considered our official position.  

Third party apps, including the Investing Right App, shouldn’t automatically be considered the official position of adamfayed.com

Associate agreements 

Sometimes we have associate agreements with persons that use our emails and branding.  The positions they take shouldn’t be considered our official position and we can’t be held responsible for their guidance. 

Change to rights

We can change our terms and conditions at any time. Your continue use of this website will be deemed your acceptance, unconditionally , of these conditions.  It is your responsibility to review the terms and conditions every time you access this website and associated apps.  You are always bound by the current, and updated, versions of the terms and conditions and applicable laws.

Distribution 

All the images, texts and other information on this website, should not be distributed, unless otherwise accepted by the owners.  

All email information is confidential and it isn’t allowed to forward any communication, without our prior consent.  

These terms and conditions may not be distributed to third parties without our consent.

Legal action

Anybody engaging with us, in any form whatsoever, agrees to not bring about any legal claim against any of our companies or affiliations, its directors, affiliates or employees in respect of such losses.  Monthly investors should invest until the end.

I-amg Ltd

This website is in association with I-AMG Ltd.

FCA and other regulators 

Sometimes our readers ask us if we are regulated by X and Y regulator, or some of the providers we review are, including some of the DIY investment platforms.

Unless otherwise stated, it should be assumed that any solutions  (nor the directors) aren’t subject to regulation by the FCA or any other financial services regulator including MIFID 11 in Europe or any other regulators globally.  

Assuming the products we review are unregulated (even though this isn’t always the case) will prevent you from assuming there is always recourse for losses.

If engaging with any investment provider, you shouldn’t rely on recourse for losses, and instead focus on the risk:return fundamentals.  

Our staff

Whilst we train all our staff, we can’t be held responsible for any failures on their part, as it is impossible to police every staff member to ensure they are complying with our requests in terms of ethical and proper conduct.

We have never had a miss-selling claim against us, but we can’t be held legally responsible for our staff’s behaviour as we can’t police every actions they take.

All disputes will be handled between ourselves and you have no legal recourse, in any country, arising from this matter.

Erros on our websites, emails we send after you reach out to us etc.

We cannot take any responsibility for errors, omissions, infringing material and any responsibility associated with relying on the information provided on this website. 

Third party reviews

We regularly review third party investment solutions. Even if we give positive reviews, this shouldn’t be seen as a solicitation to invest and we can’t be held responsible for investment losses.

Unless stated otherwise, any of the solutions discussed on this website should be considered as not registered as a broker-dealer in any jurisdiction unless specified otherwise and the products discussed have not been registered or approved by any central bank, governmental or regulatory authority in any jurisdiction unless we state that they have been.

We never hold money ourselves and can’t be held responsible for third party losses if those financial institutions go bankrupt.

It is the exclusive responsibility of the investor to consider carefully the material circumstances of each investment prior to making an investment decision. 

With any investment or insurance product, we recommend that you read all terms and conditions and the latest documentation available and seek professional investment advice if considering making an investment.

Emails

If you contact us asking us for more information about any topic, you may not send those emails onto anybody without prior agreement from us, for any reason.

The advice@adamfayed.com email may be controlled by numerous people so it shouldn’t automatically be considered to be the official view of adamfayed.com or Adam Fayed, and is usually for guidance.

Honestly, criminal behaviour including past criminal behaviour

As a client engaging in any third party solution, you will comply with international anti-money laundering requirements and won’t try to lauder money or engage in legal behaviour.

You will also tell us if you have been convicted of any crime. We cannot be held responsible if you have provided false information even though we always do our due diligence.

Translated content

This website regularly has content in non-English language . This includes Chinese, Korean and many other languages. We cannot be held responsible for any false translation or statements coming from these articles as we don’t can’t speak these languages ourselves, hence the need and reliant on staff members.

Third party campaigns

We sometimes outsource our marketing campaigns to third parties. Whilst we tell them not to create campaigns in specific countries, and to certain people, we cannot be held responsible for any campaigns they do which are not compliant with our own standards.

Third party campaigns on any third party channel (Youtube, Facebook etc) or directly on adamfayed.com, shouldn’t be seen as a solicitation to invest.

American sanctioned countries

We don’t take anybody from “American sanctioned countries” such as people living in Iran.

We have the right to refuse any client, in any country, and for any reason.

Third party app and Mailchimp

Those that have completed the Investing Right App have usually asked to be subscribed to our newsletter.

Everybody has the right to unsubscribe at any time. We can’t be legally held responsible for third party apps.