TERMS AND CONDITIONS
STORELLI & PEPE STOCKS INVESTMENTS


These Terms and Conditions shall govern the use of the online services of Storelli & Pepe Stocks Investments (hereinafter S&PStocks) offered via www.spstocks.com (hereinafter "the Website") or any other platform under the administration of S&PStocks, unless another specific terms and conditions is created solely for the purpose of such other platform – when such specific T&C shall prevail over this one. They apply to any person browsing the Website (hereinafter "the User"), whether or not they have created an account allowing them to register (thus becoming a "Member").

Spstocks.com is a trademark of i-Land Global Digital Services, a Private Limited Company registered under the United Kingdom’s laws and regulation, headquartered at 71-75 Shelton Street, Covent Garden, London WC2H 9JQ – UK.

Any access to the Website or other platform implies fully acceptance by Users of these Terms and Conditions. In addition, Members and Customers expressly agree to these Terms and Conditions when they register on the Website or other platform under S&PStocks administration.

These Terms and Conditions also apply, as appropriate, to any variation or extension of the Website on existing or future social networks and content sharing platforms.

Despite all provisions of these Terms and Conditions, the Frequently Asked Questions (FAQ), available at the website, shall be subsidiarily applied to any eventual lack of clarity of these terms and conditions. In addition: S&PStocks relation with users shall be governed by the International Principles of the good-faith expected from the homo medius (“the average man”) from both sides – clauses shall never be abusively interpreted by any of the parts.

1. DEFINITION OF CONTENTS

The Website offers free access to numerous editorial contents, to stock market and financial data, as well as to tools (hereinafter, together, "the Contents"), some of which are accessible by subscription or on a pay-per-use basis.

By registering on the Website, the Member obtains free access to editorial content and data reserved for him/her, as well as to additional tools or functionalities.

The Member may also subscribe to additional Content, offered free of charge, on a pay-per-view basis or by subscription.

2. CONDITIONS OF ACCESS TO CONTENTS

All the Contents offered by the Website are reserved for persons legally capable of contracting.

On the other hand, while the Website offers numerous Contents free of charge, access to certain Contents is reserved to registered users or members.

The Website also has a paywall system, inviting Users to create an account (“register”) in order to continue their use of the Contents once a first threshold of use is reached and proposing them a paid offer once a new threshold of use of the Contents is reached. The use of the Contents is monitored by cookies, in accordance with the Privacy Policy of the Website.

3. CREATION OF A MEMBER ACCOUNTS

A creation of a member account is only available for registered users. All member accounts shall follow the prices and provisions available at Website’s plans page (www.spstocks.com/plans).

Different memberships levels (MEMBERSHIP PLANS) are offered by S&PStocks, each one will grant access to certain functionalities, in accordance with the disposed at the plans page. S&PStocks reserves the right to change the price and/or term and/or amend the functionalities of a certain plan at any time, without prior notice, assuring that members of a certain level shall never have any limitations to the functionalities that were hired by them at the moment of the acquisition of the plan, while such plan is still not expired (respecting the monthly or yearly term, as per chosen by member at hiring moment).

The prices are accessible on the Website, in United States Dollars, EUROS, British Pounds, or other legal currency according to the edition consulted by the Client. They are understood to be “All taxes included” for all Contents. In any event, they do not include the costs related to the equipment and electronic communications necessary to subscribe to and use the services, said costs remaining the responsibility of the Client.

3.1. Rates changes

The applicable rate is the one in force on the day of the validation of the order, as it is mentioned in the payment form.

Prices are subject to change at any time. Nevertheless, in the case of Subscriptions, S&PStocks will notify the Clients before applying a rate increase, to obtain their agreement to continue their Subscription.

3.2. Membership plans with access to S&PStocks analysts

S&PStocks offers certain plans with access to S&PStocks analyst. Such access shall be understood as a professional access in order to have strict access to an analyst (or partner) opinion, and shall never be considered as an investment advice.

S&PStocks’ analysts expect good sense on users inquires and requests, where abusive requests shall not be answered.

The access will be limited to the tool offered in S&PStocks platform and the analysts (or partners) shall endeavor to reply members as fast as they can, trying to respect the time limit disposed in the membership description at the time of the plan acquisition. Eventual delays shall not be considered a breach of contract. Frequent delays can be reported by the user at support@spstocks.com

Members shall not be able to choose the analyst they want to have access – the available analyst shall reply to members’ inquiries and may be changed at any time.

3.3. Membership plans with access to Races Championships

Certain membership levels will grant access to certain “Races Championships”, which may, sometimes, have prizes as described in the proper section of the race. Users are able to create their own races, however, only official Championships promoted by S&PStocks, with pre-announced prizes, shall give the user a right to any prize.

The prizes will be given in accordance with the final stands of the race, where it shall be considered the best performance (in percentage). Only two decimal digits will be considered for the final stands (i.e.. 10.55%) and eventual draws will split the prizes of both places (i.e. A draw among 2nd, 3rd and 4th places will equally split the sum of all the prizes). If a prize is not “splitable” (i.e. Membership Plan), then a “tie-break” will be applied, in accordance with the following order: a. Larger Portfolio (portfolio with most number of stocks will prevail over the others); b. Unique Stock with best performance and, if after both there is still a tie, the higher prizes will be given to the member that have registered in the current race prior to the others.

S&PStocks shall report to authorities and ban users, without prior notice, if any kind of cheat attempt is detected in any race.

4. RENEWAL OF A MEMBERSHIP PLAN

By default, S&PStocks will automatically renew users plan, by charging the current amount of the plan acquired by the user at the last day before expiration. Should the plan suffer any kind of amend on its functionalities or change of price, members will receive a prior notice informing exactly what is the new price as well as what is being added and/or removed and/or changed.

Users may opt, at any time, to cancel the automatically renewal by simply unchecking the “automatic renew the plan before expiration”.

5. Promotional offers

S&PStocks may offer occasional promotional offers (hereinafter "the Offers") to all or part of its Users.
The Offers:
• are only offered for a limited time. Any mention of date or time must be understood with reference to S&PStocks time zone, namely CET (Central European Time).
• may be subject to conditions, which will be indicated on the Website;
• cannot be combined, unless otherwise specified in the terms of the Offers.
• are reserved for new subscribers, i.e. persons who have never subscribed to a Subscription with S&PStocks, unless otherwise specified in the conditions of the Offers.
• cannot be exchanged for their cash value or refunded in whole or part.

If S&PStocks finds that a Client has wrongly benefited from an Offer, it reserves the right to apply the normal rate in force.

6. PAYMENT TERMS

For all products and services offered on the Website, the payment is made by one of the following means at the choice of the Client: credit card, via the secure solution Stripe, or PayPal. The data provided at the time of payment is neither known nor kept by S&PStocks.

The payment of the Subscriptions is made in arrears, it takes place at each renewal date of the Subscription. It is the Client's responsibility to update his payment method to allow for the billing of his next due date. Failure to do so will result in the suspension of the Subscription.

7. TERMINATION, UPGRADES AND DOWNGRADES

Memberships can be cancelled and partially refunded only 24 hours after it’s acquisition, either for monthly or yearly plans. Users shall send an e-mail to support@spstocks.com with such request in a maximum of 24h after payment confirmation. S&PStocks will refund 85% of the paid value, deducting all additional costs that may be involved in the refunding process.

S&PStocks may terminate any membership, at anytime and without prior notice, if a member is acting without good-faith and/or braking the rules of this Terms and Conditions. Also, authorities shall be notified.

Upgrading plans are welcome and the price will be calculated in accordance with the days left in the current plan and the proportional price per day of the new plan. This means that user shall pay only the exact price difference of both plans, calculated over the days that are left. Once a plan is upgraded, automatic renewal shall follow the new plan.

Downgrades are not available.

8. INTELLECTUAL PROPERTY - AUTHORIZED USE OF CONTENTS

Except for the logos of the companies and/or any other exposed image where S&PStocks expressly gives credits to any other third party, S&PStocks and/or its parents is the exclusive owner of the intellectual property rights on all the elements composing the Website - such as, in particular but not exclusively, the texts, photographs, images, audio or video recordings, data bases but also structure, data-processing code or graphic charter of the Website - or is duly authorized by providers of information or data (hereafter "the Providers") to diffuse them.

Whether they are the property of a third party, S&PStocks or a Provider, all the Contents constitute works protected under the intellectual property, whose reproduction, transmission, redistribution, translation, or exploitation, even partial, in any form whatsoever, including non-commercial, is strictly prohibited and is likely to constitute the offence of counterfeiting.

S&PStocks grants the User or members a personal, non-collective and non-exclusive right to consult and use the Website and its Contents, so that the User undertakes not to download the Contents, except for a personal and limited use in time, nor to print the Contents apart from the legal framework of the copy for private use. Any other use, including the insertion of a hypertext link to the Website, is subject to the express prior authorization of S&PStocks, who also reserves the right to put in place any technical solution allowing to limit the diffusion or the reproduction of the Contents by the Users.

On the other hand, S&PStocks is the exclusive owner of the marks and logos exploited by it. Their reproduction or use without its prior written authorization is strictly prohibited and constitutes an act of infringement engaging the responsibility of its author.

9. LIABILITY

9.1. Use and reliability of the services

The Contents are disseminated purely for information purposes and may in no way be assimilated, in any way whatsoever, to advice or decision-making assistance. Furthermore, they do not constitute an offer or a solicitation to buy or sell financial products or services, nor do they constitute financial investment advice.

The Contents complies with the UK laws and regulations in force. The responsibility of S&PStocks could not be committed in the event of non-respect of the legislation of the country of connection of the User.

Although originating from sources considered reliable, the information of any kind appearing on the Website or accessible through it may contain inaccuracies, errors, or omissions.

User understands and agrees that use of the Website is at User's sole risk, without recourse to S&PStocks or its Providers. Neither S&PStocks nor Providers, shall be liable for any loss or damage, direct, indirect, incidental, or consequential whatsoever arising out of any inaccuracy, insufficiency, error, omission, delay, or interruption in the information made available on the Website. S&PStocks and the Providers furthermore decline all responsibility for the use that may be made of the Content made available and for the consequences that may result, in particular from any decision taken on the basis of Content. In any case, S&PStocks shall not be held liable for any loss of opportunity, loss of profit or any other indirect damage.

9.2. Limitation of Liability

The Contents are intended for investors who have the knowledge and experience necessary to understand and appreciate the information they contain. Once more: It should not be considered, in any way whatsoever, as advice or decision-making assistance.

Investing in financial markets involves risks and may result in losses greater that capital. By subscribing to the services offered by S&PStocks, the Client has access to the financial transactions carried out by S&PStocks within the framework of real portfolios. The operations carried out as well as the selections made available are provided for information purposes only and do not in any way represent an investment obligation or an offer or solicitation to buy or sell financial products or services. The Client is solely responsible for the use of the information provided, without recourse against S&PStocks.

S&PStocks is not liable for any error, omission, inappropriate investment, or market evolution that are unfavorable to the transactions carried out.

S&PStocks provides general opinions that does not take into account the Client's objectives, financial situation or needs, unless on certain plans that access to analysts is available.
It is possible that investment transactions may result in the loss of some or all the funds; the Client should therefore not speculate with capital that he cannot afford to lose.

Considering the provisions of this Terms & Conditions, especially in regard to the fact that S&PStocks is only sharing opinions and never, whatsoever, suggesting to a client to buy or sell any asset, S&PStocks shall never be held liable with respect to a Client or a member.

10. Access to the site

S&PStocks endeavors to allow access to the Website 24 hours a day, 7 days a week, except in the event of force majeure or an event beyond its control, and subject to any breakdowns and maintenance interventions necessary for the proper functioning of the Website.

The Website can be viewed on the latest versions of the main computer browsers.

The proposed digital content does not have any digital lock that would prevent it from being accessed on certain media.

S&PStocks and its Providers cannot be held liable in the event of impossibility of accessing the Website or using the Contents.

11. PERSONAL DATA

11.1. Personal data

In the context of the use of the services, S&PStocks may collect and process the User’s personal data. The terms and conditions of this collection and processing are described in the Website’s Privacy Policy.

In addition, the registration form is protected by a reCAPTCHA device, subject to Google’s Privacy Policy and Terms of Service.

11.2. Cookies

A cookie shall be understood a text file placed on user’s computer when visiting a website or viewing an advertisement. It aims to collect information about their browsing and to offer them services tailored to your device (computer, mobile or tablet). Cookies are managed by user’s web browser.

The use of the website www.spstocks.com.com led to the implantation by S&PStocks or by third parties of cookies on users device for various purposes as outlined below:

A - Cookies posted by S&PStocks

These cookies are related to the operation of our website.

1 / Authentication Cookie

These cookies (such as session IDs) are needed for navigation on our website, in order to secure user connection and to allow user to use the main features of the website. For example, they allow user direct access to their members area, through identifiers or data that they have possibly previously assigned.

2 / Statistics Cookies

This cookie stores information about visits to our website for the sole purpose of allowing us to know the number of pages viewed by users.

B - Cookies posted by third parties

These cookies are not posted by S&PStocks. Issuance and use are subject to the cookies’ policies of people who post them. Only those third parties are able to access the information they contain.

S&PStocks will not pass on this occasion any of users personal data.

Aims of these cookies are threefold:

1 / Advertising Cookies

These cookies are used to display advertisements or contact information tailored to the interests of Internet users. This is called the "targeted" advertising. These cookies are placed by third parties acting on their behalf (advertising agencies, ...). As a result, we are not able to identify and list exhaustively these cookies.

2 /Sharing Cookies (social networks)

One can share content from our website via various social networks such as Facebook or Twitter. When using these sharing buttons, a third-party cookie is installed. If users are already connected to the social network when visiting our site, the sharing buttons are used to connect the content available at your account.

3 / Audience measurement Cookies

These cookies allow us to know the usage and performance of our website, compiling statistics, the volume of traffic and use of the various elements of our website (visited content, course) allowing us to enhance the value and usability of our services (the pages or sections users use most often, the most read items, …).

Cookies also help us to count visitors to a page.

These cookies are placed by Google Analytics within their cookies policy.

Disabling the Cookies

One can set the browser to turn off cookies. However, note that if one disables cookies, username and password will not be stored on any website name.

For managing cookies and choices, configuring each browser is different.

Internet Explorer™ : http://windows.microsoft.com/fr-FR/windows-vista/Block-or-allow-cookies,
Safari™ : http://docs.info.apple.com/article.html?path=Safari/3.0/fr/9277.html,
Chrome™ : http://support.google.com/chrome/bin/answer.py?hl=fr&hlrm=en&answer=95647,
Firefox™ : http://support.mozilla.org/fr/kb/Activer%20et%20d%C3%A9sactiver%20les%20cookies,
Opera™ : http://help.opera.com/Windows/10.20/fr/cookies.html,
For other browsers, please refer to the Help menu of each browser.

12. EVOLUTION OF THE TERMS AND CONDITIONS

S&PStocks reserves the right to modify, at any time and without notice, these Terms and Conditions to adapt them to changes on the Website, its operation, or the legislation.

It is the User's responsibility to regularly inform himself/herself of the Terms and Conditions in force and to cease using the Website in case of disagreement with the Terms and Conditions in force.

13. APPLICABLE LAW

Both the Website and the terms and conditions of its use are governed by United Kingdom’s law, regardless of the place of use, residence, or nationality of the User. The contract is deemed concluded at S&PStocks' parent registered office. In the event of a dispute, and after the failure of any attempts to find an amicable solution, the UK courts of S&PStocks' headquarters shall have sole jurisdiction to hear the dispute.