Disclaimer 

The privacy and terms and conditions may not be printed, or distributed, to any third party or person, under any circumstances, unless you have the agreement of the owner (adamfayed.com) via writing or email.

Any communication between us also follows the same principle and is based on confidentiality.

Entering this website and indeed reading these terms and conditions, represents a signature of your consent.

If you can’t agree to that, you shouldn’t continue to engage with this website in any shape or form.

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 a  solicitation to invest. 

The information contained on this website is for general guidance on matters of interest only, and educational purposes.

If you decide to engage with us, you do so, understanding that you have approached us out of your own free will and haven’t been forced to reach out. 

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.   

We have never had a client complaint to any regulatory body and our customer satisfaction rate is excellent.

However, as we are getting bigger, it is important to speak about some terms and conditions for your attention. 

Definitions 

Directors – this means Adam Fayed and any directors associates with adamfayed.com or affiliated companies, such as I-AMG Ltd, Imperium AMG etc.

Staff – anybody who works directly or indirectly for adamfayed.com, Adam Fayed or affiliates companies.

Affiliates – anybody who informally collaborates with Adam Fayed or adamfayed.com

Third parties – this means investment platforms, investment providers, both regulated and unregulated, life and health insurance companies, currency companies and property firms.

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.

After mifid ii, we make certain that all European investors only approach us from their own accord.

We aren’t responsible for any investment losses caused if we recommend any outside/third party solutions that aren’t regulated according to mifid ii standards.

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. 

All advice or guidance is being given outside of your country of residency and citizenship unless otherwise stated.

So for example, if you are living in Russia, you should assume the advice is coming outside of Russia. The same for a European Union country or any other place.

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 legally responsible, in any jurisdiction, for third party advice or their terms and conditions, including surrender penalties, charges, fees and legal terms. 

You have read and understood the terms and conditions on these investment platforms including Custodian Life, Dominion Strategies, Investors Trust, Premier Trust, Godwin Capital and various other investment websites.

That has included the admin and other costs, surrender charges.

It is your responsibility to read those terms and conditions. It is the official policy of adamfayed.com and Adam Fayed himself that regardless of what is advised, you should do your own due diligence.

By agreeing to these terms and conditions, you agree to not only take our directors, affiliates and staff to court in any jurisdiction, but also those third parties themselves.

You also agree not to complain to those third parties about us

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

We cannot be held legally responsible for that.

Events outside out control 

We cannot be held responsible for investing losses period.  You should especially be aware that we can’t control events like pandemics, lockdowns, the economy, terrorist attacks and so on.

We also can’t control if a platform, bank, investment provider or trustees goes out of business.

Even though there are protections like a segregated account system, the only two certainties in life are death and taxes.  

Moving your investment policy 

You may not move your investment policy to another provider, investment company or advisor, without getting the written consent of Adam Fayed.

You may not make a claim against anybody contacted, even loosely or indirectly, to this website.

If it is agreed that you can move your policy, you agree not to take any legal claim, or any jurisdiction, against anybody adamfayed.com, its directors and affiliates.

If we sell our investment book to another investment management company, you also agree not to make any legal claim against us.  

Networks 

We occasionally use investment networks to manage our clients policy.

You agree not to take those networks to court, in any country, and you also agree not to speak negatively about us to them.

Associate agreements 

Almost all our staff have associate agreements with persons that use our emails and branding. 

In other words, they have their own companies or are freelancers, and use our emails and branding. 

The positions they take shouldn’t be considered our official position and we can’t be held legally responsible for their guidance.

If you decide to engage in an investment policy on their suggestion, even if they are using our branded email, you shouldn’t consider it the official advice of adamfayed.com or Adam Fayed himself as we can’t police all our staff.   

It is your responsibility to read all third party terms and conditions.

If any of our staff members or affiliates break any of these terms and conditions, such as the reverse solicitation one, please bring it to our attention.

We will act as needed. We cannot, however, be held legally responsible for the actions of associates on associate agreements.  

It is simply impossible to police everybody 24/7.

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. All the terms and conditions here also apply to I-AMG Ltd, Imperium AMG or any affiliates company.

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.  

You may not complain to any regulator, in any country. If you can’t agree with that term, you shouldn’t engage with adamfayed.com or any direct or indirect subsidiaries.

You agree not to take any of our third party providers to court, even in countries where they are regulated. 

Regulatory requirements 

Whilst the official position of adamfayed.com is that all our advise is coming out of your country of residency and we can’t be held legally responsible for that advice, we might sometimes we required to collect information such as tax numbers for legal reasons.

If you lie or fail to update us on any matter, such as your tax number, address and any anti-money laundering matter, we cannot be held legally responsible for that.

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.

We try to send out all emails from the adamfayed.com domain, for example advice@adamfayed.com. However, sometimes we may use personal emails or emails associated with our other business activity.

Therefore, in these situations, the terms and conditions here also apply to any communication sent out from adamfayed@hotmail.co.uk, adamfayed@iamgltd.com, adamfayed@int-amg.com, jenny@adamfayed.com, alex@adamfayed.com or any email associated with Adam Fayed or adamfayed.com.

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.

We don’t automatically exclude many countries apart from US residents, Iran and other US sanctioned places.

However, if you do manage to sign up, for example due to lying about your country of residency or you move to one of these countries after signing up but don’t mention it to us, we can’t be held legally responsible for that.

Likewise, we can’t be held legally responsible if one of our affiliates signs up somebody from one of these countries, including the US and US sanctioned countries.

In such instances, you should inform us, and we will take action, but we cannot be held legally responsible for that.

The official position of adamfayed.com is that if you are an American resident, or a resident or citizen of American-sanctioned countries, you shouldn’t deal with us for investment guidance or advice.

You should merely read this website and not engage with us.

Third party terms and conditions

You have read and understood all third party terms and conditions to investment solutions we suggest and we can’t be held legally accountable if you don’t.

You will not have any claim against us if you go ahead without reading those terms and conditions.

You will not attempt to take legal action against us in any jurisdiction based on those terms and conditions, or failing to read those terms.

You will not say anything negative about us offline or online, based on those terms and conditions.

Previous companies I have been employed at

Those that transfer their policy to me, regardless of whether that is ex-clients, current clients of mine or clients from other advisory firms that have transferred their policies to me, have no claim against me in terms of the original advice that was given.

adamfayed.wordpress.com, adamfayed@hotmail.co.uk and medium.com

These terms and conditions also apply to adamfayed.wordpress.com, my profiles at medium.com and any communication coming from adamfayed@hotmail.co.uk.

Engaging me with on those mediums represents a signature of your consent to these terms and conditions

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.

Fraudulent investments and investment fund failures.

We do extensive due diligence on investment opportunities around the world.

Fortunately, we have never been in the position whereby an investment has been fraudulent.

However, it has happened before, where good investments have turned bad for other investment brokers.

For example, private investments, that were initially producing excellent returns, only for the owner to start a Ponzi scheme.

Bernie Madoff is the most famous example. Investment advisors, even those that did a lot of due diligence on him, couldn’t see anything wrong with his funds.

We can’t be held responsible for any fund failures and fraudulent funds even though we have never been in this position.

Likewise, we cannot be held legally responsible for any IT hacks against your personal information, even though it has never happened and we take it very seriously.

Populating investment or insurance platforms

On occasion, our staff might ask you to complete forms which we will use to populate application forms.

By signing those forms, you have given us legal authority to do so, and you should consider your signature as consent for us to do that, if applicable.

Unregulated investments

Occasionally we offer unregulated investments, due to the superior investment returns they can offer.

Those investments, including Godin Capital, could go down to 0. You will have no recourse, in any court of law, for any losses.

That is fully explained in the application form.

Complaints procedures

All complaints will go to clientservices@adamfayed.com only. No client will complain to outside individuals, companies or bodies.

If you cannot agree to that term, you shouldn’t engage with this website, or any of its advisors, directors or affiliates.

No disputes may take place in the UK, EU, Australia, New Zealand, South Africa, Hong Kong, Singapore, Canada, the US or your country of residency or citizenship, or in any country globally,.

Quora and other online activities

Nobody may republish my content from Quora, adamfayed.com or any other website, without first gaining my approval.

All articles associated with adamfayed.com, including Quora, Medium etc, cannot be considered a solicitation to invest.

Every client that engages with us, in any form or on any forum, must agree to the terms and conditions of this website.

We will not accept clients who haven’t visited our website or read one of our emails which has the terms and conditions in the footer as a link.

We cannot be held legally responsible, in any jurisdiction or court, if you have failed to come to this website’s terms and conditions page for any reason.

Likewise, if you have decided not to read these terms and conditions in full, you do so at your own risk and we can’t be held responsible for that.

WhatsApp communication

WhatsApp messages from Adam Fayed or his staff and affiliates, do not necessarily represent the official position of adamfayed.com or Adam Fayed himself, nor any of our affiliated companies, third parties or staff.

Those messages are for guidance only and we cannot be held legally responsible for those messages.

You agree to not distribute those messages to any third parties, businesses, companies or bodies.

The same applies to any other messenger apps, such as Facebook Messenger, Line, WeChat etc.

Phone numbers

Just because one of our associates uses a number, it shouldn’t be assumed that he or she is regulated in that area.

For example, Adam Fayed uses a Japanese WhatsApp number, but it shouldn’t be assumed that he is regulated in Japan, just because his number is from Japan.

Likewise, somebody with a UK number, shouldn’t be considered as a regulated UK advisor.

We cannot be held legally responsible for any assumptions you make.

If anybody affiliates with us, or even a random person online, claims we are regulated in a location, you should assume that we are not.

We never hold money, we regularly use unregulated solutions and our regulated solutions are never regulated in the UK, EU or other highly regulated places.

As we ourselves conduct our business based on trust when we are the consumer, we expect you to do the same.

Guarantees

The only guarantees in life are death and taxes. Even A rated financial institutions, like Lehman Brothers, can go bankrupt.

If any of our staff, affiliates or anybody else uses the word guaranteed, it should be assumed as “capital guaranteed subject to x and y terms and conditions”.

It also isn’t the official position of Adam Fayed or adamfayed.com. Our official position is that there is no such thing as guarantees in life or investing.

Review articles

Nobody can write a review article about Adam Fayed, adamfayed.com or any affiliated companies or entities without first getting permission.

Nobody might write informal reviews either, on places like Trustpilot and similar review website, unless you first get permission.

Admin and compliance

We might outsource some of our admin and compliance paperwork. We can’t be held legally responsible for any mistakes made by back office.

You may not request any documentation from us which are connected to any sign ups, including on third parties, associated with that sign up or dealing with the accounts in general.

You may not seek to get any internal or external documents from anybody else.

Podcast appearances

If Adam Fayed, or anybody associated with Adam Fayed, appears on podcasts, Youtube etc, that doesn’t represent the official position of Adam Fayed or adamfayed.com and associated companies.

We can’t be held legally responsible for those comments and appearances and any comments shouldn’t be considered as investment advice.

Journalists or competitors 

No journalist, competitor company or anybody else might approach this website under false pretence. If you want to ask me something openly, that is fine, but we have a right to refuse.

Any information obtained from such means, isn’t the official position of adamfayed.com, its directors, affiliated companies or Adam Fayed himself.

Mass mailing

We do not mass mail unless you sign up for our newsletter or through the Investing Right App.

If you believe you have been added by mistake, please unsubscribe, which is available on each email.

Changes to terms and conditions

adamfayed.com or any of our third parties and associates, retains the right to change any of these terms and conditions in the future.

By agreeing to these terms and conditions, you accept that, and engaging with us represents a signature of your consent.

Hacking and attacks

Nobody will attempt to hack this website, engage in malicious activities or do ddos attacks

Currency companies

We cannot be held legally responsible for anybody that engages with our this party currency conversation providers.

Rules are always changing around the world, including in Hong Kong.

What you discuss and agree with the providers is up to you, and any losses can’t be blamed on us in any jurisdiction.

Fake profiles

Adamfayed.com, Adam Fayed and our directors, affiliates and third parties, cannot be held legally responsible for fake third party websites on the internet, including on Quora, Medium and other social media platforms.

Likewise, if you engage with another contributor from adamfayed.com, after seeing their content on this website or whilst attending a webinar, we cannot be held legally responsible for that.

Recording and videos

You may not record our communication, or distribute it. That includes on Zoom webinars or any medium where adamfayed.com is represented, either directly or indirectly.

We may, on occasion, get third parties to make sales calls. These calls may be recorded as may our conversations with you.

Legal recourse in general/capital at risk

There will be no legal recourse, in any country, for any of the things mentioned above.

You deal with us at your own risk and based on trust. If you feel as though you want access to legal recourse, and even think there is a chance you would want to pursue a case against an advisor, you should only deal with an advisor that is regulated in your home country or country of residency.

For example, if you are British, only deal with a UK Financial Conduct Authority regulated advisor.

It should be assumed that your capital is at risk when investing, that you could experience an 100% loss in an extreme situation and you have no legal recourse if something happens to the contrary.

By agreeing with all of the above terms and conditions, you agree not to take the directors, staff, affiliates and partners to court in any country, or to defame us on any online or offline platform.

Neither Adam Fayed, adamfayed.com, affiliates, staff or anybody else even loosely connected to this website, will take legal responsible for any of the above or any other claim made against it.

You also agree not to seek “legal loopholes” or legal advice, in any country, which aims to run counter to this agreement.

If you cannot accept that you have no legal recourse available to you against any entity, business or individual in any country, court or regulator, you should not engage with us in the first place.

Staff

All staff and affiliates, including on third part platforms, are bound by confidentiality agreements by engaging with us.