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Institute of Investing & Financial Trading, Club Disclaimer, Terms & Conditions
The Institute of Investing & Financial Trading and Wolfgang Management Services Limited known collectively as the Institute. Members and students of the Institute are responsible for their own accounts, trading account and their own trades. The Institute is not responsible for any financial loss suffered by any member or students from Spread Trading or any other financial investment. The Institute does not give investment advice and any opinions expressed or discussions that take place in the Institute cannot be deemed to be investment advice. Your financial trading account, trades carried out on your account and funds held in your account are a matter between you and your financial trading account provider. Any issues in these areas are between you and your trading platform provider and are not the responsibility of the Institute.
As a student of the Institute you become a member of Wolfgang The Institute of Investing & Financial Trading Limited, a club and a company limited by guarantee. The Club structure allows for free discussion of financial matters that cannot be construed to be financial advice. The following are Terms and conditions of membership to the club. The Club is the legal structure and the institute is the facility.
1 These terms and conditions of membership are subject to the Memorandum and Articles of Association of Wolfgang The Institute of Investing & Financial Trading Limited (The Club) as may be amended from time to time. The Board of Directors of the Institute shall be appointed in accordance with the Memorandum and Articles of Association.
2 Membership term is linked to the activity undertaken by the member. There is no maximum membership time limit.
3 The Institute hours are from 8am to 5pm unless you are enrolled in an evening course.
4 Membership is personal to the member or student and is not transferable and shall not be transferred under any circumstances.
5 Membership and enrollment fees are payable in accordance with the club offer undertaken.
6 Except as required by law, the Club shall not have any liability to any member in respect of any failure to carry out or delay in carrying out any of its obligations under these terms and conditions.
7 As a Member you must operate a spread trading account – This can be a demo account.
8 Members or students who breach the club rules will be subject to the Clubs disciplinary procedure.
9 Neat attire must be worn at all times.
10 No food is allowed in trading rooms.
11 The club committee will be made up of the Chairman, Managing Director, Operations Director and at least one nominated club member.
12 Any personal information held by the Club in relation to a member will be subject to the provisions of the Data Protection Act 1980 to 2003.
14 If any of the provisions of these terms and conditions is found by a court or other competent authority to be void or unenforceable, such provision shall be deemed to be deleted from the terms and conditions and the remaining provisions of the terms and conditions shall continue in full force and effect.
15 If the remittance tendered in payment of membership shall be dishonoured or in any other way refused (other than by the Club), the relevant member shall be liable to pay the Club’s administrative charge of €100.00 (or such other reasonable amount as the Club may inform the member in writing from time to time) and any bank or other similar charge incurred by the Club as a result, and such membership shall be immediately withdrawn.
16 The club reserves the right to refuse any application for membership at its sole discretion without reason.
17 Members are expected to adhere to the club rules at all times.
18 Members must have up to date virus software on their computers and adhere to the clubs acceptable computer usage policy.
19 Members are expected to provide their own laptop/netbook for trading in the club.
20 There will be a club committee to oversee any disputes and discipline issues.
21 No alcohol is allowed on the premises.
22 No visitors are allowed on premises.
23 Use of library and conference room is restricted to designated meetings only. Kitchen facilities must be kept in good order.
24 Membership fees must be paid by direct debit or cheque in favor of “The Institute of Investing & Financial Trading”.
25 Information relating to educational material and or trading strategies obtained in the club is the sole property of the club, and may not be sold or distributed without the prior approval of the directors.
(i) cancel or suspend the use of the relevant membership of a member and all associated benefits for any period of time; or
(ii) To withdraw membership status completely in the event of misuse/abuse of membership or in the event of a breach of any of these terms and conditions or in the event of any abusive, dangerous or any other unacceptable behaviour by the member.
26 The Club reserves the right to alter, vary or amend the terms and conditions of membership and shall notify members of any such alteration, variation or amendment in such manner as the Club deems appropriate.
27 These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of Ireland, and the member hereby submits to the exclusive jurisdiction of the Irish courts to settle any disputes in relation to the matters set out herein.
Course Purchase Terms
1. Online purchases on iift.ie are processed by Realex Payments and Elavon/Bank of Ireland.
2. A full refund is available up to 48 hours prior to course commencement.
3. A refund of 50% of fee paid will be applicable during the last 48hrs prior to course commencement.
4. There is no refund after course booked has commenced.
5. There is no refund where customer only attends part of the course.
6. There is no refund after the customer commences the course.
All of our payments are handled by Realex, an Irish based Payments company. Realex Payments are certified and approved by several leading financial institutions. Their systems and security controls are based on current industry standards. There are several layers of technology in place to ensure the confidentiality, authentication and integrity of information. Realex Payments have been accredited with the AIS (Account Information Security) certification by VISA and is one of the few companies in Europe to achieve this. This shows their commitment to above industry standard in every aspect of payment processing. Information is sent to them frviaduct.ie via the internet and they then connect to our bank. All information when in transit via the internet is encrypted (128bit SSL) to ensure confidentiality of sensitive data. All messages sent to Realex and the responses from Realex are authenticated using digitally signed digests. All requests are verified against a legal list of IP address and referring URLs.
The Realex technical infrastructure is located in secure co-location facilities that have 24/7 security and advanced building management systems along with environmental controls. Critical servers and applications are monitored constantly to threshold levels and Realex Payment staff is instantly alerted via our real time monitoring and alerting service. All connections to the financial institutions are over private dedicated leased circuits, backed up with ISDN lines and in certain cases VPN connections over the internet. The network is designed to be highly resilient with duplicate and triplicate systems in place depending on the critical nature of each component. Realex Payments are registered with the data protection commissioner as a “Data Processor”. Cardholder information is encrypted and not displayed in our reporting systems – RealControl.
We accept payment online by VISA, MasterCard, American Express and Laser Cards. VAT is charged at the current rate where applicable and is inclusive in the display price. Customers can only attend courses upon receipt of payment in full.