Please read this page before proceeding, as it explains certain restrictions imposed by law on the distribution of this information and the countries in which our funds are authorised for sale. It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction.
Terms of Use
The information on this website has been prepared by Life Cycle Investment Partners Limited (UK Company number 15633723) and its associates (‘LCIP’, ‘we’ or ‘us’).
The LCIP investment team has been seconded to Mirabella Financial Services LLP (UK Company number OC309035) to perform regulated activities under section 19 of the Financial Services and Markets Act 2000 (‘FSMA’). Mirabella Financial Services is authorised and regulated by the Financial Conduct Authority of the United Kingdom (‘FCA’).
Your use of the site
These Terms of Use set out the terms on which you may make use of our site and apply to every page on our site, whether or not such pages are individually disclaimed. Please read these Terms of Use carefully before you start to use our site. By using our site, you have indicated that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using our site. These Terms of Use also incorporate all other rules, policies and procedures that may be published from time to time on our site, each of which is incorporated by reference and each of which may be updated by us from time to time without notice to you.
We may revise these Terms of Use from time to time by updating this page. The revised Terms of Use will take effect when they are posted. You are expected to check this page from time to time and to take notice of any changes we may have made, as by using our site you acknowledge that you have accepted any such amendments.
You are responsible for all of your activity in connection with accessing the website. You must NOT use our site (or permit or procure others to use it) as follows:
– for any unlawful, improper or illegal purpose or activity;
– to violate our or any third party’s copyright, trademark, proprietary or other intellectual property rights;
– to damage our name or reputation or that of our affiliates or any third parties;
– to impersonate any of our employees or other person or use a false name while using our site or implying an association with us;
– to penetrate our security measures or other entities’ systems (“hacking”);
– to generate excessive amounts of internet traffic, to interfere with our network or other’s use of our site or to engage in activities designed to or having the effect of degrading or denying service to users of our site or others;
– to introduce viruses, worms, harmful code and/or Trojan horses onto the internet or into our site or any other entity’s systems and it is your responsibility to ensure that whatever you download or select for your use from our site is free from such items; and/or
– to transmit confidential or proprietary information, except solely at your own risk.
If we issue you with a password that permits you to access certain parts of this website, you are solely responsible for any use of the website through such access, whether authorised or not.
Your use of this website including all content (including any material, information, logo, design, text, graphic and their arrangement), data or software distributed by, downloaded or accessed from or through this website is at your own risk.
Access
We reserve the right to deny you access to our site, or immediately to suspend or terminate your access to our site, or to disable any username or password (whether chosen by you or allocated by us) at any time (in our sole discretion). All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, disclaimers, indemnities and limitations of liability.
Marketing restrictions
The distribution of information on this site may be restricted by law to certain persons and in certain countries. This site and the information on it is not addressed to any person resident in the territory or country or jurisdiction where such distribution would be contrary to local law or regulation. Nothing on this website constitutes an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorised or to any person to who it is unlawful to make such an offer or solicitation.
FOR UK/EEA USERS: This site and the information on it is neither directed at nor made available to retail clients. It is directed only at persons who are professional investors (for the purposes of the Alternative Investment Fund Managers Directive (2011/61/EU) (known as ‘AIFMD’); professional clients or eligible counterparties for the purposes of the Markets in Financial Instruments Directive (Directive 2004/39/EC) (known as ‘MiFID’); or as otherwise defined under applicable local regulations and at whom this site and the information on it may lawfully be directed in any relevant jurisdiction. The definition of professional investor under AIFMD can be found here and the definitions of professional client and eligible counterparty under MiFID can be found here. Further guidance on professional clients is available in the FCA Handbook at COBS 3.5. Please contact us if you require any further information on your status. By accepting these Terms of Use, you hereby certify that you are a Professional Investor, Professional Client or an Eligible Counterparty.
Compliance with law and regulation
When using our site, you agree you will comply with all applicable local, national and international laws and regulations, including those related to data privacy, international communications and exportation of technical or personal data. It may be illegal to view and/or download the information contained on our site in certain countries and we and our affiliates disclaim all responsibility if you access or download any information from our site in breach of any law or regulation of the country in which you are a citizen or in which you are resident or domiciled. We reserve the right to report potentially criminal activity to appropriate law enforcement agencies.
Accuracy of information and warranties
We have taken reasonable care to ensure that the information on our site is accurate, current, complete, fit for its intended purpose and compliant with applicable law and regulation as at the date of issue. However, errors or omissions may occur due to circumstances beyond our control and no warranty is given, or representation made, regarding the accuracy, validity or completeness of the information on our site and no liability is accepted by such persons for the accuracy or completeness of such information.
Any opinions or forecasts reflect our judgment and assumptions on the basis of information at the date of publication and may later change without notice. Any projections are estimates only and may not be realised in the future.
You must conduct your own due diligence and investigations rather than relying on any information on our site. Any person who acts upon, or changes his or her investment position in reliance on, the information contained on our site does so entirely at his or her own risk.
Past performance is not indicative of future performance. We do not guarantee or provide any assurance that our investment capabilities will achieve any target, objective or return on capital. The fact that a particular investment strategy, or shares in a particular company may be mentioned is not a recommendation to buy, sell or hold that financial product.
Liability for use of our site
Access to our site is permitted on a temporary basis and we reserve the right to withdraw or amend the service and/or information we provide on our site without notice. We do not accept any liability if for any reason our site is unavailable at any time or for any period.
Neither we, nor our affiliates or any person named on this website accept any responsibility to any person for the consequences of any person placing reliance on the information within this website for any purpose.
The information and opinions contained in our site have been compiled, or arrived at, by us from sources believed by us to be reliable as at the date of publication. However, the information and any opinions contained on our site are subject to change, are for background purposes only and are not to be relied upon as investment advice or interpreted as a recommendation. We, our affiliates and other third parties connected to us do not accept any responsibility for any reliance which is placed by any visitor to our site, or by anyone who may be informed of any of its contents, on any information or opinions which are expressed herein and, to the extent permitted by law, expressly exclude all conditions, warranties, representations, undertakings and other terms which might otherwise be implied by statute, common law or in equity.
This website is for general information only. Nothing contained on the website constitutes or shall be deemed to constitute a financial, legal, tax or other advice of any kind, a securities recommendation or statement of opinion intended to influence a person or persons in making a decision in relation to investment. Our site is not intended to provide a sufficient basis on which to make any investment decision and you should not solely rely on it in evaluating the merits of investing in any investments, products or services referred to on our site. You should form your own assessment and take independent professional advice on the suitability and merits of any action on the basis of this website relevant to your particular circumstances and investment objectives and the legal, regulatory, tax and investment consequences and risks of doing so. Any decision to purchase securities or interests with respect to any funds must only be made having thoroughly read the relevant prospectus or offering memorandum for the relevant fund, including any supplements thereto, which must be received and reviewed prior to any investment decision and which may contain information which is different from the information and opinions contained on our site. Any person subscribing for an investment, product or service referred to on our site must be able to bear the risks involved and must meet the suitability requirements relating to such investment, product or service. Some or all alternative investment programs may not be suitable for certain investors.
We, our affiliates and other third parties connected to us therefore expressly exclude any liability and responsibility arising from any reliance placed on such materials and information by any visitor to our site, or by anyone who may be informed of any of its contents, for (i) the accuracy, validity, timeliness, merchantability or completeness of, any information or data (whether prepared by us or by any third party) for any particular purpose or use or that the information or data will be free from error and (ii) any direct, indirect or consequential loss or damage of any kind incurred by any visitor to our site, or by anyone who may be informed of any of its contents, in connection with our site or in reliance on the information or opinions contained in it, or in connection with the use, inability to use, or results of the use of our site or any websites linked to it or materials posted on it. This does not affect our liability for any loss or damage which cannot be excluded or limited under applicable law. If a jurisdiction allows liability to be limited but not excluded, our total liability is limited to the maximum extent possible.
The internet is not a completely reliable transmission medium and neither we nor any of our affiliates accept any liability for any data transmission errors such as data loss or damage or alteration of any kind or for the security or confidentiality of information transmitted across the internet to or from us or any of our affiliates. Any such transmission of information is entirely at your own risk.
Linked websites
We may provide links on this website to the websites of third parties. However, you acknowledge and agree that we have no control over and do not monitor these third party websites. We make no representations about and cannot accept any liability for these websites.
In particular, and without limitation, you understand and agree that the ability to link to another website and the fact that a link exists does not mean that we endorse or guarantee such site, the site sponsor or the site contents. The content which you access via such links will not have been developed, checked for accuracy, or otherwise reviewed by us. We make no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality, sequence or timeliness of any electronic content. Your reliance on any information contained on any site reached through a link shall be your own responsibility. When you leave our site, unless otherwise indicated, you will be subject to the terms of use and privacy policies of the new website which you are visiting.
You may not create a link to this website from another website or document without our prior written consent. If you reached our website via a link, please be advised that the ability to link to our site and the fact that a link exists does not mean that we necessarily endorse, support, sanction, encourage, verify, or agree with the comments, opinions, or statements posted on the website from which you linked to our site (the ‘Linking Site’). We are not responsible for any damages or losses arising from any delays, defects or omissions that may exist in the services, information or other content provided in the Linking Site. We make no guarantee or representation as to, and shall have no liability for, any content on any Linking Site, including, without limitation, the accuracy, subject matter, quality, sequence or timeliness of any such content.
Indemnity
You agree to indemnify, defend, and hold harmless us, our affiliates and our officers, partners, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including legal fees and costs, arising out of or in any way connected with your breach of the Terms of Use, access to or use of our website or your breach of any rights of third parties.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the materials published on it. Those works are protected by laws and treaties around the world. All such rights are reserved. You may use the materials on our site and download and reproduce them in hard copy for your own reference only. Such materials may not otherwise be copied, reproduced, distributed, downloaded, stored in a data retrieval system or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording or otherwise) without our prior written consent or the written consent of the copyright owner. Nothing on our site should be construed as granting any licence or right in relation to any of our trademarks or those of our affiliates or any third party.
Unless expressly permitted otherwise, you must not do anything to alter, modify or add to the content on our site. You acknowledge and agree that if you contribute content to the website (including any material, information, logo, design, text, graphic and their arrangement), such content will become our property and you hereby assign all rights, title and interests in and to such content to us. We reserve the right to remove any content from the website at any time, for any reason.
Any comments or materials sent to us through the website including feedback data, questions, comments and suggestions (collectively ‘Feedback’), will be deemed to be non-confidential. We have no obligation of any kind with respect to such Feedback and will be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, we will be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products and services incorporating such Feedback.
Word marks and device marks relating to our name and logo are registered trademarks in various jurisdictions in which we operate. Any other trademarks appearing on this website are the trademarks of the relevant owners. You must not use any trademarks that appear on this website without the written consent of the trademark owner.
Privacy
We treat personal data with respect and integrity. The Privacy Statement applicable to this website explains how personal data will be treated as you access and interact with this website and can be accessed at the bottom of the home page.
Severability
If any specific term or condition of these Terms of Use is determined by a court of competent jurisdiction to be invalid, void or unenforceable, that determination shall not affect the validity of the remaining provisions of these Terms of Use. No waiver by us of our rights under these Terms of Use shall be deemed a waiver of any other term or provision and shall be limited to a single waiver limited to the specific circumstances under which such waiver was granted.
Headings used in these Terms of Use are for convenience, are not substantive and shall not be used to interpret or construe any of the provisions contained in these Terms of Use. When used in these Terms of Use the words ‘includes’, and ‘including’ shall be deemed to be followed by the phrase ‘without limitation’.
Material Interests
We may have holdings in the investment funds referred to on our site and may otherwise be interested in transactions that you effect in those funds.
Governing Law
These Terms of Use and any non-contractual obligations arising from or connected with them shall be governed by and shall be construed in accordance with English law. English courts will have exclusive jurisdiction over any dispute arising from, or related to, use of our site (whether arising out of or in connection with contractual or non-contractual obligations) (‘proceedings’) and it is a condition of using our site that you waive any objection to proceedings in such courts on the grounds of venue or that proceedings have been brought in an inconvenient forum, although we retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or any other relevant country.
Third parties
For EEA Users: we shall have the benefit of the rights conferred on us by these Terms of Use but otherwise no person who is not a party to these Terms of Use may enforce its terms under the Contracts (Rights of Third Parties) Act 1999.
Entire agreement
These Terms of Use and our Disclaimer shall form the entire agreement between you and us in relation to your use of our site.
