The materials and information on this website (the "Site") are provided by Valu-Trac Investment Management Limited ("Valu-Trac") for informational purposes only. The information is presented by Valu-Trac using all reasonable skill, care and diligence and has been obtained from or is based on third party sources believed to be reliable but is not guaranteed as to its accuracy, completeness or timeliness, nor is it a complete statement or summary of any securities, markets or developments referred to in this Site. The information within this Site should not be regarded by recipients as a substitute for the exercise of their own judgement. 

In particular comments, conclusions and statuses such as “Buy Candidate ”, “Attractive”, “Neutral”, “Avoid” or “Sell Candidate” are based exclusively on Valu-Trac quantitative measurements and take no account of forecasts, of the Financial Condition (eg Balance Sheet) of any Stock (or groups of Stocks, Sectors or Markets) nor of any qualitative factors of any sort.

The information in this website has no regard to the specific investment objectives, financial situation or particular needs of any specific recipient and is published solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. In the absence of detailed information about you, your circumstances or your investment portfolio, the information on the Site does not in any way constitute investment advice. If you have any doubt about any of the information presented, please consult your stockbroker, accountant, bank manager or other independent financial advisor. 

Value of investments can fall as well as rise and you may not get back the amount you have invested. Income from an investment may fluctuate in money terms. If the investment involves exposure to a currency other than that in which acquisitions of the investments are invited, changes in the rates of exchange may cause the value of the investment to go up or down. Past performance is not necessarily a guide to future performance.

Any opinions expressed in this website are subject to change without notice and Valu-Trac is not under any obligation to update or keep current the information contained herein. Sources for all tables and graphs herein are Valu-Trac unless otherwise indicated.

The information provided is "as is" without any express or implied warranty of any kind including warranties of merchantability, non-infringement of intellectual property, or fitness for any purpose. Because some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Users are therefore warned not to rely exclusively on the comments, conclusions or statuses within the Site but to carry out their own due diligence before making their own decisions.

Valu-Trac and its affiliated companies, employees of Valu-Trac and its affiliated companies, or individuals connected to them, may have or have had interests of long or short positions in, and may at any time make purchases and/or sales as principal or agent in, the relevant securities or related financial instruments discussed in this website.

We have considered potential conflicts of interest which might affect the impartiality of all of the Investment Management which we publish and distribute and consider that no material conflicts arise.

Any complaint made by a user of this Site will be dealt with in a timely manner. Complaints shall in first instance be made to Valu-Trac Investment Management Limited by e-mail (compliance@valu-trac.com). If the complainant does not receive satisfaction he or she may have the right to make a complaint directly to the Financial Ombudsman Service.

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Within this website a Professional Client Investor is defined as a person in the business of engaging in one or more of the activities which fall within the list below :-

Arranging deals in investments; Managing or offering or agreeing to manage assets belonging to another person; Buying, selling, subscribing for or underwriting investments or offering or agreeing to do so, either as principal or as an agent; Establishing, operating or winding up a collective investment scheme; Including acting as a trustee of an authorised unit trust scheme; Giving or offering or agreeing to give, to persons in their capacity as investors or potential investors, advice on the merits of their purchasing, selling, subscribing for or underwriting an investment; or Exercising any right conferred by an investment to acquire, dispose of, underwrite or convert an investment.

A customer who is an individual and who is not acting in the course of carrying on Investment Business as outlined above. 

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