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Terms & Conditions

The Zest Impact Ltd Website’s Terms and Conditions Agreement explains the terms and conditions under which you are able to use the websites and Services provided by Zest Impact Ltd. Please read carefully this Terms of Service document, and keep a copy of it for your reference.

BY ACCESSING OR USING ANY OF THE ZEST IMPACT LTD’S WEBSITES OR SERVICES YOU EXPRESS YOUR AGREEMENT TO BE LEGALLY BOUND BY OUR TERMS AND CONDITIONS STATED IN THIS DOCUMENT, SO PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING OUR SERVICES AS YOU ARE ENTERING INTO A BINDING CONTRACT WITH ZEST IMPACT LTD, 13B THE VALE, LONDON, ENGLAND, W3 7SH. IF YOU DO NOT AGREE WITH (OR CANNOT COMPLY WITH) THE TERMS AND CONDITIONS SET FORTH BELOW, DO NOT USE OR ACCESS OUR SERVICES.

These Terms do not interfere with any obligation or authorization provided in any other agreement concluded between you and Zest Impact Ltd. Provisions of any individual Agreement between you and the Zest Impact Ltd supersede provisions from these Terms.

1.     Definitions

1.1       The following definitions explain some of the terminology and abbreviations used throughout our Terms and Conditions Agreement:

            ‘Terms/Agreement’ refers to the latest version of this Terms and Conditions Agreement document.

            ‘Site’ refers to any and all websites provided by Zest Impact Ltd, available at <https://thefinancialfreedomhub.com/>, <https://simplifytradesucceed.com/>, or any other url which may host Zest Impact Ltd’s websites or Services.

            ‘User/You’ refers to any person visiting the Site or using our Services.

            ‘Subscriber’ refers to any person or legal entity registering to use our Services.

            ‘We/Us’ refers to Zest Impact Ltd, the Site, and their developers and affiliates.

            ‘Party/Parties’ refers to either User or Zest Impact Ltd when used in singular form and to both User and Zest Impact Ltd when used in plural form.

            ‘Outside source’ refers to any application, website, natural or legal entity other than Zest Impact Ltd, the Site or their affiliates.

            ‘Content’ refers to all images, text, audio and video data or any other information located on the Site.

            ‘User Generated Content’ refers to the Content provided by the Users.

            ‘Services’ refers to the functionality of the Site, on-line webinars, training courses and other services provided by Zest Impact Ltd, whether located on the Site or other place.

            ‘Subscription Period’ refers to the period of time for which your subscription with us is active.

            ‘Subscription Fee’ refers to the cost of the selected Service.

            ‘Effective Date’ refers to the date on which the first payment Subscription Fee is processed.

            ‘Confidential Information’ refers to any and all information disclosed between the parties of this Agreement in relation to the Services, and especially, without limiting, content of the training courses, on-line webinars, and other Content available only for Subscribers. Confidential Information does not cover information that was known to either party prior to disclosure or information that was made available to the public.

2.     General Provisions

(A)       Eligibility

2.1       By using our Services you confirm that you are at least 18 years of age. By using our Services, you confirm that you (i) have full legal capacity to enter into a binding relation, (ii) that you will provide true, accurate, current, and complete information where requested, and information which is otherwise compatible with these Terms, (iii) that you will not use Services contrary to these Terms or applicable laws. If you are accessing our Services on behalf of another person, you further confirm that (i) you have the appropriate authorization to accept the terms of this Agreement, (ii) you have the appropriate authorization to bind such person by accepting this Agreement, (iii) person on behalf of whom you accept this Agreement has full power to enter into this agreement and to perform obligations as defined herein.

2.2       We may not control who uses the Site or the Services, so it is upon you to assess whether using the Site, or our Services is in compliance with any local laws and regulations. Whenever you are using our Site or Services you will need to comply with the terms of this Agreement,  and any applicable laws, regulations and policies. If any part of the Site, or the Services is not in compliance with your local laws, you may not use the Site and the Services. Any such Service will be considered as ‘not available in your region’.

 (B)      Registration

2.3       Some of the Services provided are only available to registered Users. During the registration process you will be asked to provide some personal information, the collection, use, and storage of which is regulated by our Privacy Policy document and applicable laws. When registering on our Site, Subscribers are required to provide true, accurate, current and complete information about themselves as prompted by registration forms provided. You agree to update your information should there be any changes, in order to keep registered information true, accurate, current and complete. If you provide information contrary to aforementioned conditions, we may deny you or terminate your access to the Site, parts of it or our Services. We are not responsible for any failure in providing the Services which results from information that is not true, accurate, current and complete.

2.4       You understand that it is your responsibility to keep your log in information confidential. You are responsible for all activity under your account. If you ever find out or suspect that someone accessed your account without authorization, you are advised to inform us immediately.

(C)       Contact

2.5       If you provide us with your e-mail address, we may contact you using such contact information, for any matters relating to the Services (Service e-mails). These e-mails do not constitute “unsolicited commercial e-mail advertisements” and you are not able to opt-out of receiving them. We may also inform you through e-mail about content, promotions, special offers and or other topics of interest related to Zest Impact Ltd and our affiliates (Promotional e-mails). You may choose to stop receiving these promotional e-mails at any time by following the instructions contained in Promotional e-mails.

(D)      Third Party Services

2.6       The Services may be made available or accessed in connection with third party services and content (including advertising) that Zest Impact Ltd does not control. We may also provide you with links leading to outside sources. You acknowledge that different Terms of Service and Privacy Policies may apply to your use of such third party services and content. Zest Impact Ltd does not endorse such third party services and content and in no event shall Zest Impact Ltd be responsible or liable for any products or services of such third party providers.

2.7       Our Services may be used in connection with third-party services such as Facebook, Twitter, Google +, and other. In that sense your interaction with the Site and Services is further regulated by the third-party’s respective terms and privacy policies. Zest Impact Ltd is not sponsored, endorsed, organized or in any other way supported by these third-parties.

3.     Acceptable Use Policy

3.1       You agree that you will not misuse our Services. A misuse constitutes any use, access or interference with the Site, or Service contrary to Terms, Privacy Policy and applicable laws and regulations. We can, in our sole discretion, suspend or terminate access to all or parts of the Services to any User or Subscriber, without prior notice or need to deliberate on reasons for such measure. We reserve the right to deny Services to anyone at any time. During your use of our Services, you will not behave contrary to the Terms, Policies, applicable laws and regulations, and you will especially not, without limitation, do any of the following:

(i)         send or otherwise post unauthorized commercial communications (such as spam) through the Site;

(ii)        collect Users' content or information, or otherwise access the Site, or the Services using automated means (such as harvesting bots, robots, spiders, or scrapers) without our permission;

(iii)       upload viruses or other malicious code;

(iv)      bully, intimidate, or harass any other User;

(v)       post or transmit content which is illegal, hateful, obscene, threatening, incites violence, insulting, defamatory, infringing of intellectual property rights, invasive of privacy, or contains graphic or gratuitous violence or is otherwise objectionable to third parties;

(vi)      harass, threaten, embarrass or cause distress or discomfort upon another individual or entity or impersonate any other person or entity or otherwise restricting or inhibiting any other person from using or enjoying the Site or the Services;

(vii)     take any action creating a disproportionately large usage load on our Site unless expressly permitted by us;

(viii)    post or transmit content that is misleading.

(ix)       communicate any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships, or otherwise infringes or violates someone else's rights;

(x)        encourage participation in or promote any contents, pyramid schemes, surveys, chain letters or spamming, or unsolicited emailing through the Site or the Services;

(xi)       post or transmit hyperlinks to other websites that violate these Terms;

(xii)      facilitate or encourage any violation of these Terms.

3.2       Users are solely responsible for their own content and the consequences of making the content available to third-parties.

3.3       We aim to provide a safe space for all our Users. However, considering how we do not monitor User Generated Content, you agree to inform us immediately if you come across any illegal activity, activity that is in breach of these Terms, or activity you suspect might be in violation of these Terms or applicable laws or might otherwise be objectionable. Although we expressly prohibit posting of any Content which is illegal, hateful, obscene, threatening, incites violence, insulting, defamatory, infringing of intellectual property rights, invasive of privacy, or contains graphic or gratuitous violence or is otherwise objectionable to third parties, we do not pre-screen the Content, so you hereby agree that you may be exposed to any such Content and that you use the Site and the Services at your own risk. You recognize and concur that Zest Impact Ltd bears no obligation regarding the risk, harm, damage, or loss that might emerge from Content submitted to or distributed on the Site. You further understand that by providing your Content online, other people will have access to such Content and they will be able to copy, share or otherwise interact with such content. If you do not want your Content to be used as described the only remedy is to not share your content.

4.     Intellectual Property

(A)       Proprietary Rights

4.1       All intellectual property rights connected to the Site, Services, or Content used with the Services are the sole property of Zest Impact Ltd or are used under appropriate licenses or permissions. Nothing in this agreement shall be understood or intended for transfer of such intellectual property rights to you or any other third party.

4.2       Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, non-sub licensable license to access and use the Services. Except as expressly permitted in this Agreement, you may not:

  • copy, modify or create derivative works based on the Services or Content;
  • distribute, transfer, sublicense, lease, lend or rent the Services or Content to any third party;
  • reverse engineer, decompile or disassemble the Services or Content; or
  • make the functionality of the Services available to multiple users through any means.

4.3       Nothing in this Agreement shall operate to assign or transfer any Intellectual Property Rights from Zest Impact Ltd to the Subscriber, or from the Subscriber to Zest Impact Ltd.

4.4       We reserve the right to modify, suspend or discontinue, temporarily or permanently any Service, with or without notice and without liability to you.

(B)       User Generated Content

4.5       If you post Content on or through the Site, you grant us a non-exclusive, royalty-free, perpetual, irrevocable right to use, reproduce, modify, adapt, publish, distribute, and display such User Generated Content on the Site, our social pages, and on any other marketing material we may create. Whenever we might use the User Generated Content we will give appropriate credit to the Content provider through their name, screen name or e-mail address, if available.

(C)       Confidential Information

4.6       During the term of this Agreement, Users may be required to provide or volunteer to provide certain Confidential Information to Zest Impact Ltd and Zest Impact Ltd may disclose certain Confidential Information to the users. Regarding such information both parties hereby agree (i) to keep Confidential Information in strict confidence, (ii) to undertake all reasonable measures to protect the confidence of Confidential Information, (iii) not to disclose, or otherwise make available, Confidential Information to any third party without obtaining prior written consent, (iv) to use Confidential Information only for the purposes intended, (v) to return all Confidential Information and any and all copies, extracts or derivative works resulted from Confidential Information upon written request or upon termination of the Agreement, and to destroy or erase all remaining copies of the Confidential Information regardless of the form or media on which the Confidential Information is stored.

(d)       Notification of infringement

4.7       If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide the following information to the Site’s Copyright Agent:

            1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

            2. A description of the copyrighted work or other intellectual property that you claim has been infringed;

            3. A description of where the material that you claim is infringing is located on the Site or the App;

            4. Your name, address, telephone number and e-mail address;

            5. A signed statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

            6. A statement by you, made under penalty of perjury, that the information provided in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

4.8       Our copyright agent can be reached as follows:

Email: support@thefinancialfreedomhub.com

5.     Payment and Pricing

5.1       All prices for listed Services are available on the Site and are calculated when you choose the Subscription Period. All prices are shown exclusive of VAT and other applicable taxes. You understand and agree that it is your responsibility to pay applicable taxes for your use of the Services. Subscription Fee is calculated in the moment of submitting the subscription on the Site. Subscription Fee is due immediately but may be paid in instalments if specified.

5.2      If Subscription Fee is paid in instalments and if you delay or default on any of the due instalments, you are responsible and we may pursue you for immediate and full payment of the remaining balance of the fees for the program, and you agree to pay that remaining balance PLUS all costs that we may incur in recovering the remaining balance (including debt collection agencies costs, legal costs, litigation costs, other fees and applicable costs, etc.), PLUS interest on all past-due sums at a rate of 1.5% per month or the highest rate allowed by law.

5.3      If any of the instalments for Subscription Fee or the entire Subscription Fee are disputed after payment, we may pursue you for immediate and full payment of the disputed amounts, and you agree to pay back the disputed amount PLUS of all costs that we may incur in recovering the disputed Subscription Fee or the disputed instalments (including debt collection agencies costs, legal costs, litigation costs, other fees and applicable costs, etc.), PLUS interest on all past-due sums at a rate of 1.5% per month or the highest rate allowed by law.

5.4       When subscribing on the Site, you can choose the method of payment. If you are paying by credit card, you must provide valid and current information necessary to process the payment. You agree and authorize us to charge your credit card for all fees payable during your Subscription Term. The Financial Freedom Hub reserves the right to amend Subscription Fees or to institute new Fees at any time upon reasonable notice posted in advance on Site. Any changes to the pricing will not affect Subscriber’s current subscription period and will become effective upon subscription renewal.

5.5       We may, at our own discretion, limit the number of available Services or refuse to provide the Service without the need to deliberate on the reasons for such action. We may especially refuse to accept your order if:

            (i)         The billing information you provided is incorrect, or invalid, or we are otherwise unable to process the payment,

            (ii)        We suspect that order is fraudulent. We reserve the right to refuse any order which we, in our sole discretion, find to have been placed as a result of fraudulent activity,

            (iii)       Your order is placed pursuant to previous credit card dispute.

6.     Refund Policy for the Simplify Trade Succeed  training program

6. 1      We want you to be satisfied with your purchase but we also want you to give your best effort to apply in full the approach, the principles, the methodology, and the strategies in the course. We offer a 60-day refund period for purchases. However, in order to qualify for a refund you must submit proof that you did the work, went through ALL the modules (in the correct order and at least once), and applied IN FULL the approach, the principles, the methodology, and all the strategies in the course, and it did not work for you. Please note, if you select the payment by instalments option we are not able to stop payments without a refund request being submitted. In the event that you selected the payment by instalments, and your refund request was denied, you will still owe the remainder of the Subscription Fee as per the payment schedule and terms contained herein.

6.2       In the event that you decide your purchase was not the right decision, you may contact our support team at support@thefinancialfreedomhub.com within 60 days of enrollment, and let us know you’d like a refund. We will only consider refund requests submitted by the 60th day at 11:59 EST. Your request for a refund must include entire and complete proof of your coursework as described in article 6.3 of the Terms. If you request a refund and do not include proof of your coursework by the 60th day, you will NOT be granted a refund. 

6.3       The coursework that you need to submit with your request for a refund includes ALL of the following items:

  • Requirement #1: Attach screenshots of AT LEAST 20 trades taken by following one or more of the trading strategies setups in the course, and according to the approach, the principles, and the methodology taught in the course.
  • Requirement #2: For each trade you need to include screenshots of ALL relevant timeframes related to the trade. The trade screenshots need to be taken at the time when the decision to take a trade was made, or very shortly afterwards. More specifically, you need to include screenshots of the following timeframes:
    • Screenshot of the chart on the timeframe in which the trade was taken;
    • Screenshots of ALL relevant higher timeframes (i.e. of charts of timeframes higher than the timeframe in which the trade was taken). The available timeframes need to be among the following: 15min, 30min, 60min, 120min, 240min, 480min, 720min, 960min, daily, weekly, monthly).
      • Example #1: A trade was taken on the 240min chart. Then screenshots of ALL the following timeframes need to be included: 240min, 480min, 720min, 960min, daily, weekly, monthly.
      • Example #2: A trade was taken on the 120min chart. Then screenshots of ALL the following timeframes need to be included: 120min, 240min, 480min, 720min, 960min, daily, weekly, monthly.
      • Example #3: A trade was taken on the 15min chart. Then screenshots of ALL the following timeframes need to be included: 240min, 480min, 720min, 960min, daily, weekly, monthly.
  • Requirement #3: For each trade include the two filled checklists (taken from the course) of all essential factors AND bonus factors, clearly showing which essential and bonus factors were satisfied by the trade setup. In addition you need to include a comment with your analysis explaining why you took the trade, and the logic behind the trade. The comment need to have been written when the trade decision was made, or very shortly afterwards.
  • Requirement #4: For each trade include a screenshot taken shortly after the trade was closed. The screenshot needs to be taken on the timeframe where the trade was originally placed and need to clearly show and indicate where the trade was entered, and were it was exited. Also you need to indicate what (in % terms) was risked and what the outcome was (in % terms). For example, you can say: “Risk: 1%; Outcome: +3%”. Or “Risk: 1%; Outcome: -1%”
  • Requirement #5:  For each trade, clearly indicate (at least the in screenshot of the timeframe in which the trade was taken) where entry order, stop loss order and target order (or targets orders) were placed.
  • Requirement #6: In order to qualify for a refund BOTH the following conditions need to be met:
    • At least 60% of all trades taken following the approach, the principles, the methodology, and applying the strategies in the course, were losers.
    • The sum of the outcome of all trades results for all trades taken following the approach, the principles, the methodology, and applying the strategies in the course, needs to be lower than -2%.

For the purpose of the calculations above, any trade which would have reached the 1:1 target before hitting the stop loss, but that was not closed because no 1:1 target was placed (hence the trade ended up becoming a losing trade), is considered to be a winning trade with a profit of +1%. This is because had a 1:1 target been placed (as strongly recommended in the course), and 1% of your trading account risked, that would have resulted in a winning trade with a 1% profit, as opposed to end up being a losing trade.

  • Requirement #7: Attach a filled trading diary including all the trades (and only those trades) taken utilizing the approach, the principles, the methodology, and applying the strategies in the course
  • Requirement #8: Tell us why this course was not a good fit for you and your trading education needs. What did you expect that you did not get once inside the program?

6.4       We will NOT provide refunds for requests submitted more than 60 days following the date of purchase. After the 60th day, all payments are non-refundable and you are responsible for full payment of the fees for the program regardless if you complete the program. 

Please note: If you opted for a payment plan and you do not request a refund within 60 days including the required coursework (meeting all requirements outlined in article 6.3 of the Terms) at the time of your refund request, you are required by law to complete the remaining

payments of your payment plan.

6.5       All refunds are discretionary as determined by Zest Impact Ltd. To further clarify, we will not provide refunds after the 60th day from your date of purchase and all payments must be made on a timely basis. If payments are not made on time, you agree to pay interest on all past-due sums at a rate of 1.5% per month or the highest rate allowed by law, whichever is lower. If payments are not made on time, you are responsible and we may pursue you for immediate and full payment of the remaining balance of the fees for the program, and you agree to pay that remaining balance PLUS all costs that we may incur in recovering the remaining balance (including debt collection agencies costs, legal costs, litigation costs, other fees and applicable costs, etc.), PLUS interest on all past-due sums at a rate of 1.5% per month or the highest rate allowed by law.


6.6       If you have any questions or problems, please let us know by contacting our support team directly. The support desk can be reached at: support@thefinancialfreedomhub.com.

7.     Termination

7.1       Zest Impact Ltd may terminate this agreement without notice and notice period, with immediate effect if User:

(i)         breaches this Agreement;

(ii)        fails to make due payments;

(iii)       misuses the Services or uses Services contrary to Acceptable Use policy;

(iv)      engages in fraudulent or illegal activities.

7.2       Upon termination of this Agreement, user will not be able to use the Services. If the agreement has been terminated, user shall be liable to pay to the Zest Impact Ltd any outstanding fees due for payment immediately. Zest Impact Ltd shall not be responsible for any damage caused by the termination of this Agreement.

8.     Indemnity

8.1       You will indemnify and hold harmless Zest Impact Ltd, and its owners, officers, directors, employees, presenters, contributors, subsidiaries, licensors, service providers, agents and affiliates, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with your access to or use of the Site and our Services, content which you provide, or your violation of these Terms.

9.     Limitation Of Liability

9.1       YOU AGREE THAT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY PROBLEMS OR DISSATISFACTION WITH THE ZEST IMPACT LTD SERVICES IS TO STOP USING THE ZEST IMPACT LTD SERVICES. ZEST IMPACT LTD CANNOT GUARANTEE OR WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS.

9.2       THE SITE AND SERVICES ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW ZEST IMPACT LTD, ITS OWNERS, EMPLOYEES, OFFICERS, SHAREHOLDERS, DIRECTORS, PRESENTERS, CONTRIBUTORS, AGENTS, SERVICE PROVIDERS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, SUPPLIERS, ASSIGNS OR LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOOD-WILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF YOUR ACCESS OR USE OR INABILITY TO ACCESS OR USE THE ZEST IMPACT LTD SERVICES, THIRD PARTY APPLICATIONS OR THIRD PARTY APPLICATION CONTENT, REGARDLESS OF LEGAL THEORY, EVEN IF ZEST IMPACT LTD HAS BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. IN NO EVENT SHALL ZEST IMPACT LTD’S AGGREGTATED LIABILTY EXCEED THE AMOUNT YOU PAID TO ZEST IMPACT LTD, IF ANY, FOR THE SERVICES GIVING RISE TO THE CLAIM, WHICH YOU CONSIDER TO BE THE FAIR COMPENSATION.

10.   Earnings Disclaimer

10.1     The information provided through the Services is provided solely for informational, educational, or entertainment purposes. Zest Impact Ltd is not a financial institution nor a financial or legal advisor. Zest Impact Ltd makes no representations, warranties, or guarantees, express or implied, regarding the results that may be obtained through the use of the Services or by participating in any of the Zest Impact Ltd’s programs. Nothing displayed on the Site, or provided through the Services may be interpreted as a promise or a guarantee of any kind, regarding your potential earnings or specific results. Whenever we refer to potential earnings and effects of our Services, we are expressing our opinions and not stating the facts or professional advice. While Services may work for some people, they just as well may not work for you. You understand that financial success depends on many factors including your own personal preferences, habits, efforts, and your individual circumstances as well as global and micro economy factors. Before making any financial decisions or implementing any financial strategy, trading strategy, investment strategy, including recommendations of third parties identified through the Services, Zest Impact Ltd recommends that you obtain additional information and advice of accountants or other financial advisors who are fully aware of your individual circumstances.

10.2     Zest Impact Ltd, it’s owners, officers, employees, directors,  presenters, contributors, subsidiaries, licensors, service providers, agents and affiliates do not accept any liability and you hereby agree to release us of any liability arising (whether directly or indirectly) out of the information provided through the Services, or any errors, in or omissions from such information. Zest Impact Ltd is not liable for loss (whether directly or indirectly) caused by your actions or decisions based on your reliance on the information provided to you through the Services, nor caused by the delay, malfunction of the operation or the availability of the Services.

10.3     Different statements made as part of the Content, including but not limited to those which express belief, expectation, and other statements which do not represent a historical fact, are forward-looking statements. Whenever we are making a prediction or a future speculation, and especially when we are using words like "believe", "estimate", "anticipate", "plan", "predict", "may", "hope", "can", "will", "should", "expect", "intend", "is designed to", "with the intent", "potential", the negative of these words or such other variations thereon or comparable terminology, we are only expressing our opinion and we are not under any circumstance stating a fact. These forward-looking statements are made considering the conditions at the time of their making, and we are under no obligation to update these statements if the conditions change in such way to affect the statements.

11.   Risk Warning Disclaimer

11.1     Please understand that trading and investing bear a high risk level. You hereby understand that any Content available through the Services pertaining to trading and investment does not represent financial or legal advice, guarantee, or suggestion. Information provided on the Site and through the Services is educational in nature. We are not responsible for your decisions, even if such are based on any Content made available through the Services. Even though some financial instruments usually involve less risk than other, we do not recommend any particular stock, bond, option, CFD, future, currency or any security of any kind even when those are mentioned as a part of our Content or Services. The value of financial instruments varies depending on a large number of factors, and in time you may receive less than you have initially invested or you may even lose your entire investment and owe commission or other transaction charges. The amount you may lose when trading and investing is potentially unlimited and can exceed the amount you originally deposit with your broker. It is very important to seek professional advice and conduct additional research before engaging in financial business, and most importantly: do not invest money you are not prepared to lose.

12    Testimonials Disclaimer

12.1     Any prior experience, testimony, or result is not a guarantee that equal success will be achieved in your circumstances. Testimonials found on the Site may or may not be representative of all reasonably comparable Users. Past performance or results are not indicative of future results or success. Past results of any individual trader or trading system published by Zest Impact Ltd are not indicative of future returns by that trader or system, and are not indicative of future returns which can be realized by you. Testimonials are not indicative of future success and have not been verified by an independent third party.

12.2     Testimonials provided on the Site are non-representative of all Users. The individuals quoted in the testimonials used were not paid to be quoted unless specifically identified. Individual results vary and no representation is being made that Users will or are likely to achieve profits or incur losses comparable to those that may be shown. Some may experience worse results than those which provided their testimonials. To the extent that we included any testimonials or case studies on the Site or in our Services, you can assume that none of these stories in any way represent the “average” or “typical” customer experience. As with any product or service, we know that some people will purchase our products but never use them at all, and therefore will get no results whatsoever. You should therefore assume that you will obtain no results through use of our Services.

13.   Changes   

13.1     Zest Impact Ltd may make changes or replace our Terms and Conditions Agreement at any time. We will post such changes, replacements and updates on the Site and such change, replacement and update to our Terms and Conditions Agreement will take effect immediately upon posting. You are consenting to keep yourself up to date with the latest posted Terms and Conditions Agreement and you accept and are bound by such change, replacement and update if you access or use our Service after we have posted it in our Site. The Terms and Conditions Agreement applies regardless from which platform you access our Services.

14.   Governing Laws And Choice Of Forum

14.1     This Agreement shall be governed by and construed under the English laws, without regard to its conflict of law provisions, as applied to agreements entered into and to be performed in England by the England residents. You agree that if you have any dispute with Zest Impact Ltd you will contact us in order to settle through negotiations and mutual understanding. If the solution can not be reached in negotiations you agree and hereby submit to the non-exclusive jurisdiction of the competent courts in London, UK.

15.   Final Provisions

15.1     If any part of these Terms is found to be invalid, illegal or unenforceable in any respect, it will not affect the validity or enforceability of the remainder of the Terms. The section titles in the Terms are for convenience only and have no legal or contractual effect. Any failure to exercise or enforce any right or the provision of this agreement shall not constitute a waiver of such right or provision.

15.2     If we find or suspect that you have breached this Agreement we may, at our sole discretion, take any appropriate action against you including, but not limited to, deleting your user account, sending you a formal warning, blocking your access to the Site, taking legal action, etc.

15.3     If you have any question or suggestion you can contact us at support@thefinancialfreedomhub.com.