Disclaimer

While the material on HiddenValueGems is often about investments, none of it is offered as investment advice or recommendations.

The materials on this website are for information and educational purposes only. Hidden Value Gems is not acting as your financial, legal, accounting, tax or other adviser or in any fiduciary capacity.

While we always make our best effort to verify information used on this website and carry out analysis in the correct way, there is still a chance that some information may turn out to be incomplete or inaccurate as it becomes outdated, for example, or for other reasons. Visitors should do their own due diligence, research and analysis or seek professional advice. Our publications are not, and should not be seen as, a recommendation to use any particular investment strategy.

Furthermore, Hidden Value Gems does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet website or otherwise relating to such materials or on any sites linked to this site.

Hidden Value Gems hereby excludes all liability for any claim, loss, demands or damages of any kind whatsoever (whether such claims, losses, demands or damages were foreseeable, known or otherwise) arising out of or in connection with the use or inability to use its website, including, without limitation, indirect or consequential loss or damage; loss of actual or anticipated profits (including loss of profits on contracts); loss of revenue; loss of business; loss of opportunity; loss of anticipated savings; loss of goodwill; loss of reputation; loss of damage to or corruption of data; loss of use of money or otherwise, and whether or not advised of the possibility of such claims, losses, demands or damages and whether arising in tort (including negligence), contract or otherwise to the fullest extent to which such liability may be excluded or avoided by law.

The entire website is subject to copyright, with all rights reserved. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos. The information contained in www.hiddenvaluegems.com shall not be published, rewritten for broadcast or publication, or redistributed in any medium without prior written permission from us.

For information and reference only, the website may provide links to the external Internet sites of other parties. We will provide such links only as a convenience to you, with your understanding that we have not verified the accuracy, truth, reliability or timeliness of any information found at such other websites. The fact that we have provided a link to another website should not be construed as our endorsement of such website or its contents. You acknowledge that you understand, and you agree to assume, the risks associated with using any information found on the Internet. Accordingly, you agree that Hidden Value Gems will not be held responsible or liable for any damages or losses you may suffer as a result of your use or reliance upon any of the contents, advertising, products, or other materials found on such other websites.

If you are unsure of any investment decision, you should seek a professional financial advisor. Hidden Value Gems is not a registered investment adviser, and we do not provide investment advice or recommendations. We are not regulated by the Financial Conduct Authority.

The value of shares can fall as well as rise. Dividend payments can fall as well as rise. Any information relating to the past performance of an investment or investment service is not a guide to future performance. Share prices may go down as well as up, and you may not get back the original amount invested. You should not buy shares with money you cannot afford to lose.

Hidden Value Gems is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.co.uk.


Disclosures

When content is published about a company and the writer owns shares or has a beneficial interest in that company, that fact will be disclosed in the article. However, historic articles will not be updated, so any disclosure represents the relationship between the company and the writer at the time the article was written.

THIS WEBSITE IS INTENDED FOR INFORMATION AND EDUCATIONAL PURPOSES ONLY AND NO DISCUSSIONS CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY ANY SECURITIES OF ANY COMPANY OR ASSETS.

Membership Terms & Conditions

Date last updated 30 September 2024

Please note that by using this website, you accept the following terms and conditions of use (the "Terms") and agree to abide by them, whether as website user without registration, registered user, or paying subscribers (Member).

Please read these terms carefully as they will set out the terms for your Membership.

This is an instant access service. By purchasing this Membership, you agree your access will start immediately. Please see the Cancellation Terms section for your cancellation rights.


Brief overview of the service

Annual Premium Membership includes access to 48 stock ideas per year, portfolio updates, research reports on quality businesses, Investment Checklist and Bonus materials (e-books). It also includes full access to the archive materials. Additional subscription benefits may be changed at our sole discretion.

Pro Membership is designed for those who require tailored services, which include bespoke research, financial modelling, special situations, identification of critical value drivers, industry benchmarking, risk assessment and 1-on-1 direct calls/emails. 1-on-1 communication must be scheduled in advance and subject to authors availability.

Lifetime Membership is a one-off payment and includes all the benefits of a Premium Membership, plus priority communication and support, invitations to exclusive events. Additional subscription benefits may be changed at our sole discretion.

You will receive login details to the member's zone after you make a full payment. All exclusive content will be regularly emailed to you and uploaded to your member zone, which you can access using your individual login details.

Memberships are limited to the delivery of information in electronic form; they do not entitle you to receive any hard copies.

While most of the content is about listed companies and investing, the website and the Membership do not constitute investment advice. All content is for information and educational purposes only.


How can you sign up for a Membership?

To sign up for a Membership, please visit Hiddenvaluegems.com and select one of the available plans or offers that best suits your needs.

You must be 18 or older and have the power to enter into a contract with us and are not prevented from doing so under any local laws.

By registering for a Membership, you agree that you have provided accurate registration details, including payment information, and will ensure to keep your contact information up to date.

Once you purchase any of the plans, you will receive an email from Hiddenvaluegems.com with login details that you can change at any time in your profile settings.

An invoice will be sent immediately in a separate email.


Membership period

Your member duration is determined by your Subscription plan. It can be either Monthly or Annual for Premium plan and lifetime if you choose Lifetime Membership. The Membership begins immediately after your purchase is made.

Pro membership duration is negotiated separately.

You can check the status of your membership and expiration date on your account page at HiddenValueGems.com.


Membership prices

You shall pay the fee for a subscription plan of your choice:

Premium Plan costs €360 per year or €36 per month for a one-month period. Payment is made upfront at the start of the period and will be taken automatically at the start of the next billing cycle (unless you cancel it before the end of the current subscription). You authorise us to take your next payment using your credit or debit card details that you provided by subscribing to one of the latest plans unless you cancel your subscription (see Cancellation terms below). You will get an invoice every time a payment is taken as evidence of your purchase access.

The fees for Pro Plan are subject to negotiation and vary depending on the scope of research services provided. Final pricing will be agreed upon in a separate written agreement between the parties.

Lifetime Membership costs €3,000 (one-off payment).

The actual prices may differ subject to special offers and promotions made available either at HiddenValueGems.com or via email (if you are subscribed to a free Newsletter).

Prices may differ depending on the exchange rate (if you are not based in Europe) and additional charges applied by payment providers.


Change of these terms

We may amend these terms at any time to ensure that we remain compliant with relevant laws and regulations and to ensure that we are constantly improving your Membership experience.

If we make any important changes to the Membership Terms, we will notify you by email.


How can you make a complaint?

If you would like to get in touch to make a complaint, please email us at ideas@hiddenvaluegems.com.


Cancellation, renewal, and refund terms

There are 2 ways to cancel your subscription. Firstly, you can cancel your subscription any time before it expires in your account profile at HiddenValueGems.com (Go to Manage Subscription). Secondly, you can email us at ideas@hiddenvaluegems.com 7 days before your subscription plan expires and we will cancel it for you.

Once a subscription has been cancelled, you will not be billed further. You will retain access to the Premium Content for the remainder of the subscription period that you have already paid for.

There is no refund of a monthly subscription payment taken. For the avoidance of doubt, if you are on a monthly subscription plan and cancel 15 days (of 30 days) into your latest subscription period, you will retain access to the content for the remaining 15 days still covered by your last payment. You will not be entitled to a refund of any amount of your last payment. Once the remainder of the term length of the subscription is finished, you will automatically lose access to the content; you will not be charged further.

If you would like to cancel your annual subscription and get a refund, you should email us at ideas@hiddenvaluegems.com. In that case, you will be charged a €50 to cover the value of archive access and bonus materials as well as the admin fees. The refund will be provided based on the unused period of your annual subscription plan. For the avoidance of doubt, if you are on an annual subscription plan and cancel 6 months into your latest subscription period, you will be entitled to a refund of €180 for the remaining 6 months minus €50 admin fee (€360 x 6/12 - €50 = €130).

You can get a full refund of your annual subscription payment if you cancel your annual subscription within 14 days since making a payment only if you have never logged into your account on Hiddenvaluegems.com, downloaded exclusive materials, or accessed the archive in any other way.

For a full refund, please email us at ideas@hiddenvaluegems.com providing your name, email, and date of purchase.

After the 14-day cancellation period, full refunds are not offered for periods of the Membership that you haven't used yet. If the Site is closed permanently, we will refund you for services that were already paid for, but which have not yet been delivered.

If you change your mind after the cancellation and decide to keep your subscription, you can do so by changing payment settings in your personal account at HiddenValueGems.com. However, once your access expires, you will need to resubscribe to your preferred subscription plan here.

If we stop writing for a month or more, we will refund the price of your annual subscription proportionate to the unused time minus €50 admin fee. For lifetime members, 10 years of future publications are guaranteed. If we stop writing earlier, we will reimburse your costs accordingly (e.g. if we stop writing after 9 years from the date of your subscription, you will receive 10% (€300) back from me).



How can I switch plans?

If you decide to move from a Premium Monthly plan to a Premium Annual plan during your monthly subscription, your current credit balance will be used towards your new subscription plan. You will need to just pay the remaining balance of an annual subscription.

If you switch from a Premium Annual plan to a Premium Monthly plan during your annual subscription, then your current subscription balance will be converted to a new plan. You will receive a monthly zero bill until your credit balances are used up.


Can your membership be rejected?

From time to time, an order may be rejected for any of the following reasons:
  • If, unfortunately, your chosen service is not in stock.
  • Where we cannot obtain authorisation for your payment.
  • If there has been a relevant pricing or service description error.
  • If your order otherwise breaches any of the requirements of these Terms.
  • If we suspect that the order has been placed fraudulently.
  • If it appears that the order mistakenly duplicates another order.
  • If we have any other concerns that accepting your order would be to the detriment of this website or its author.
  • If your order is rejected, we will contact you to confirm this and reverse the payment you have made for that order.
  • Note that we may bar or prevent an individual account, user, email address or other identifier from making purchases or otherwise interacting with the author where we reasonably suspect an association with fraud or other infringements of the law or breach of these Terms or because of any other aspect that we deem to be to the disadvantage of this website or its author.


Additional information

Your membership is with Hidden Value Gems Limited, a company registered in England at 7 Bell Yard, London, United Kingdom, WC2A 2JR. Ildar Davletshin is the founder and the Director of Hidden Value Gems Limited.

We may also at any time and at our sole discretion, terminate your Membership where we believe we have serious grounds to do that (for example, for non-payment or breach of these terms).

You are responsible for keeping your login details, including your individual password, safe. You can change or recover the password at HiddenValueGems.com.

You warrant and undertake not to use the Site in connection with any unlawful or illegal purpose, or so as to bring the Site, its proprietor, products or services into disrepute, or to cause distress or offence to any person. You also warrant not to use the site with any automated page retrieval tool.

We hereby exclude all liability for any claim, loss, demands or damages of any kind whatsoever (whether such claims, losses, demands or damages were foreseeable, known or otherwise) arising out of or in connection with the use or inability to use the Site, including, without limitation, indirect or consequential loss or damage; loss of actual or anticipated profits (including loss of profits on contracts); loss of revenue; loss of business; loss of opportunity; loss of anticipated savings; loss of goodwill; loss of reputation; loss of damage to or corruption of data; loss of use of money or otherwise, and whether or not advised of the possibility of such claims, losses, demands or damages and whether arising in tort (including negligence), contract or otherwise to the fullest extent to which such liability may be excluded or avoided by law.

Privacy Policy

This privacy policy sets out how information that you give when you use this website is used and protected.

Should you be asked to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

This policy may change from time to time, which will occur when this page is updated. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 06/08/2021.


What information we collect

We collect names and email addresses through our contact form and in writing via email but this information is used solely for staying in touch with visitors of this website. It is never used for marketing purposes or for sale to third parties. We generally store information about you for as long as we need the information for the purposes for which we collect and use it, and we are not legally required to continue keeping it.


How we use the information

We receive and store any personal information you enter on this website or give to us voluntarily to contact you from time to time (e.g. to keep you updated on new materials added to the website).

We may use your personal information to contact you about the purposes in which you have expressed an interest and from time to time we may send you customers' questions about how to improve our website for our subscribers (users). If you do not want to receive email from us, please click the "unsubscribe" link which is included at the bottom of any email you receive from us.

We use Mailchimp as our marketing platform. If you subscribe to our newsletter We add your name and email address to Hidden Value Gems newsletter mailing list, which is managed via Mailchimp. More information on how Mailchimp is managing GDPR can be found here.

We do not share your personal information (email address, name, location or other personal information) you have shared with us with any third-party organizations.


Contact forms

If you send a message using a contact form on the website we collect the data shown in the contact form (name and email address) so that we can reply to your message.


How cookies are used

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Traffic log cookies are used to identify which pages are being used. This helps in the analysis of webpage traffic to improve the website in order to tailor it to customer needs. This information is only used for statistical analysis purposes and then the data is removed from the system after a period of time.

Overall, cookies help to provide you with a better website by enabling monitoring of which pages you find useful and which you do not. A cookie in no way gives access to your computer or any information about you, other than the data you choose to share.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.


Cookies for analytics

This website uses cookies to analyse visitor activity to improve the website and services. For example, we can look at how many people visit the site, what country they came from and what pages they viewed. For these purposes, we currently use:

- Google Analytics,

- Tilda Statistics.


Links to other websites

This website may contain links to other websites of interest. Once you have used these links to leave our site we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.


Embedded content from other websites

Articles on this website may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.


How long we retain your data

If you subscribe for website updates, your name and email are stored for the period of your subscription. Your details are archived after you unsubscribe. Please email ideas at hiddenvaluegems.com if you want your details to be completely removed.


Revisions and Errata

The materials appearing on this website could include technical, typographical, or photographic errors. We may make changes to the materials contained on Hidden Value Gems at any time without notice. We do not, however, make any commitment to update the materials.


Data Security and Integrity

We have reasonable security policies and procedures in place to protect personal information from unauthorized loss, misuse, alteration or destruction. Unfortunately, security cannot be absolutely guaranteed against all threats. Please be advised that we may use third-party cloud service providers that provide hosting, data storage and other services pursuant to standard terms and conditions that may be non-negotiable; these service providers have informed us or the general public that they apply security measures they consider adequate for the protection of information within their systems, or they have a general reputation for applying such measures. If you have reason to believe that your interaction with us is no longer secure, you are required to notify us via email.


Use of the Website by Minors

Hidden Value Gems is not directed to individuals under the age of thirteen (13). We do not knowingly collect personal information from such individuals and we request that they not provide personal information through this website. If we learn that we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

Cookies

This website uses cookies, as almost all websites do, to help provide you with the best experience we can. Cookies are small text files that are placed on your computer or mobile phone when you browse websites


Cookies are used to:

  • Make the website work as you'd expect
  • Improve the speed/security of the site
  • Allow you to share pages with social networks like Twitter, LinkedIn
  • Continuously improve the website for you
  • Make marketing more efficient


We don't use cookies to:

  • Collect any personally identifiable information (without your express permission)
  • Collect any sensitive information (without your express permission)
  • Pass personally identifiable data to third parties


Granting permission to use cookies

If the settings on your software that you are using to view this website (your browser) are adjusted to accept cookies I take this, and your continued use of the website, to mean that you are okay with this.


Turning cookies off

You can usually switch cookies off by adjusting your browser settings to stop it from accepting cookies. Doing so however will likely limit the functionality of our and a large proportion of the world's websites as cookies are a standard part of most modern websites.




Third party cookies

This site, like most websites, includes functionality provided by third parties. A common example is an embedded YouTube video.

Disabling these cookies will likely break the functions offered by these third parties.




Site improvement cookies

New designs or site features are regularly tested on the site. This is done by showing slightly different versions of the website to different people and anonymously monitoring how site visitors respond to these different versions. Ultimately this helps the website to become better over time.




Visitor statistics cookies

Cookies are used to compile visitor statistics such as how many people have visited the website, what type of technology they are using (e.g. Mac or Windows which helps to identify when the site isn't working as it should for particular technologies), how long they spend on the site, what page they look at etc. This helps to continuously improve the website. These so called "analytics" programs also show how people reached this site (e.g. from a search engine) and whether they have been here before helping more money to be put into developing services for you instead of marketing spend.