Welcome to The Twelfth Magpie! These Terms and Conditions are an agreement between you (and presumably you know who you are) and The Twelfth Magpie (“The Twelfth Magpie”, “TTM”, “we”, “our” or “us”) and should be read in conjunction with our Disclaimer, Legal Information and Privacy Policy.
We are an Appointed Representative of Richdale Brokers and Financial Services Ltd, who are authorised and regulated by the Financial Conduct Authority (FRN 422737). We are a limited company registered in England and Wales (Company number 03736872). Our registered office is at 5 New Street Square, London EC4A 3TW. Our VAT number is 188035783.
By using our services, you are agreeing to be bound by these Terms and Conditions. We may change these Terms and Conditions at any time, but we will post a notice on this website of any material changes. Your continued use of The Twelfth Magpie means that you accept any new or modified Terms and Conditions.
Subscribing to Epic Bundle
In order to subscribe to Epic Bundle you must be at least 18 years of age (or any older age legally required under local law to bind yourself legally to these Terms and Conditions).
When subscribing to Epic Bundle, you will need to provide us with your name, email address, credit or debit card information and your postal/billing address. You confirm that all the information you provide is accurate (in other words, you are who you say you are, and live where you say you live). You also agree to maintain and update your information as necessary, so that it remains accurate and current. In the event that any information you provide is inaccurate or not up-to-date, The Twelfth Magpie reserves the right to cancel your subscription.
Any Personal Data you provide when subscribing, as well as any additional Personal Data provided during the term of the subscription, will be handled by us in accordance with our Privacy Policy available on our website.
Subscriptions are subject to approval by us in all cases, and we reserve the right, in our sole and absolute discretion, to decline any application for subscription, without giving a reason.
If you are not already a The Twelfth Magpie subscriber, you will be asked to create a password, which you will need to access Epic Bundle. You will also be required to choose a username.
You are the only authorised user of your account and, accordingly, you must not disclose your password to anyone else. You should contact us immediately upon discovering any unauthorised use of your account or error in the operation of your password. You can let us know by contacting Customer Service, at [email protected]. Any breach of these Terms and Conditions and/or any use of your account by anyone to whom you disclose your password will be treated as if the breach or use had been carried out by you, and will not relieve you of your obligations to us.
Epic Bundle may be ordered by clicking on the prompts that will appear on-screen on an order page. You may check and correct any input errors in your order up until the point at which you submit your order to us by clicking the “Purchase” button.
After placing an order we will confirm your subscription by sending you an email confirmation of your order (Subscription Confirmation). The contract between you and us in relation to the subscription ordered will only be formed when we send you the Subscription Confirmation.
If you subscribe to Growth Pass by upgrading from Share Advisor, Hidden Winners or Ownership Portfolio – your active subscription/s on those services will be cancelled and replaced with a non-refundable Growth Pass subscription. Your pro-rated membership costs for Share Advisor, Hidden Winners and/or Ownership Portfolio will be refunded as a credit which will be taken off from your initial Growth Pass subscription payment.
Charges and payment
The charges for Growth Pass are as quoted on the website from time to time. Any applicable VAT will be indicated on the relevant invoice. Charges are liable to change at any time, but changes will not affect orders in respect of which we have already sent you a Subscription Confirmation.
Payment for all orders must be made by credit or debit card on the order page. We accept payment by most major credit and debit cards. You should be aware that online payment transactions are subject to validation checks by your card issuer and we are not responsible if your card issuer declines to authorise payment for any reason. Please note, it is possible that your card issuer may charge you an online handling fee or processing fee. We are not responsible for this.
Your subscription will automatically renew until you notify us of your decision to terminate your subscription (see Subscription Cancellation). Accordingly, you agree that your subscription fee will be billed automatically at the beginning of each renewal period to the credit or debit card you used in your most recent transaction with The Twelfth Magpie.
Charges for each renewal period will be at the same level as the preceding subscription period, unless the charges have increased in which case we will notify you beforehand.
Trial and Introductory Offers
We may provide you with the opportunity to ‘test drive’ Growth Pass with a free trial or an introductory offer lasting less than a year before you commit to a full subscription. Only one free trial or introductory offer per household is allowed per service. To be clear, this means if you previously subscribed to Growth Pass, cancelled and subsequently subscribe again, you will not receive a refund for any cancellations. The Twelfth Magpie reserves the right to terminate the subscription and membership of the The Twelfth Magpie community of anyone who, in our view, has violated this policy.
In the case of a free trial, if you don’t cancel your subscription before the end of the free trial period we will then charge the credit or debit card you registered during the sign-up process. You agree to pay the applicable subscription fee.
Subscription cancellation
Due to the nature of the content provided within our subscriptions some of our products are non-refundable. Growth Pass is one of such products.
By placing your order for Growth Pass subject to these Terms and Conditions, you agree that we may start your Subscription immediately upon our acceptance of your order and that you waive your statutory right to cancel our contract within 14 days of our confirmation email.
This means that you lose your right to cancel this contract once we have provided confirmation via email of your purchase (this is your Order Confirmation email) and that any notice of cancellation that you provide (whether before or after the 14-day period) will only take effect at the end of your current subscription period. You will not be entitled to a refund except in the event that there is a fault in our provision of our services.
If you do not wish your subscription to Growth Pass to renew automatically at the end of the then-current subscription period you must notify us (see Contacting us) in advance of renewal. If you do not do this charges will be made to your account. It is your responsibility to notify us of your intention to cancel in advance of renewal.
Intellectual Property
All of the content and materials provided by and through Growth Pass are the sole and exclusive property of The Twelfth Magpie or third parties that have granted The Twelfth Magpie the right to distribute such material, and are protected by applicable intellectual property laws and other laws. As used in these Terms and Conditions, the term “Content” means any share tips, recommendations and other information, as well as mode of expression or other materials including but not limited to our writings, message boards, software, graphics and other features.
You may make a copy of our Content for your personal, non-commercial use, provided that the material copied remains intact, including any copyright notices and disclaimers. Any other copying, distribution, storing, or transmission of any kind, or any sort of use of our Content is strictly prohibited without The Twelfth Magpie’s express written permission. Without limiting the foregoing, you may not republish, post, transmit or distribute the Content to any third party websites, online bulletin and message boards, chat rooms, intranets or anywhere else or anyone else without our consent. Aside from opening yourself up to legal liability, distributing the newsletter or posting the articles on other sites or forums is unfair to our members who pay good money to receive our Content. So, don’t do it.
You agree that The Twelfth Magpie has an unlimited license to republish anything you post on our site. We’ll only republish your posts in context and we’ll credit you (under your username) as author. We won’t republish your posts for advertising purposes without your permission.
You agree not to display any of The Twelfth Magpie’s trademarks or use them in any manner without our express written permission.
Designated trademarks and brands are the property of their respective owners.
Member Conduct
Access to Growth Pass is password-protected. You agree that you are responsible for statements made and actions taken through the use of your account, so please maintain the confidentiality of your password. You agree to immediately notify Customer Services of any actual or suspected unauthorised use of your username and password. The Twelfth Magpie will not be responsible for any loss to you arising from unauthorised use of your data.
The Twelfth Magpie may terminate this Agreement and your access to Growth Pass at any time and without prior notice, if at our sole discretion we determine that you’ve breached these Terms and Conditions or otherwise taken an action disruptive to Growth Pass. In the event of termination, you will receive a prorated refund.
Indemnification
You agree to indemnify and hold harmless The Twelfth Magpie, its employees, agents, affiliates, directors, officers and shareholders from any (i) actions, claims, proceedings or liabilities arising out of, or in connection with your violation of his Agreement; or (ii) your activities on, or in connection with Growth Pass.
Disclaimer & Limitation of Liability
The Twelfth Magpie does not warrant the completeness, accuracy, or usefulness of any information or materials provided through Growth Pass. Growth Pass is intended to give general advice and/or comment only, and the investments mentioned may not necessarily be suitable for you. Accordingly, you agree that you have sole and complete responsibility for any decisions your make or actions you take in reliance upon information contained on or available through Growth Pass.
Growth Pass and any materials available at or through The Twelfth Magpie, are provided “as is” and with all defects. The Twelfth Magpie disclaims all representations, warranties, and conditions, express or implied, of fitness for a particular purpose, merchantability, title, non-infringement, compatibility, security and condition or operation of the foregoing. The Twelfth Magpie does not warrant the continued or uninterrupted operation of the Internet or Growth Pass. No oral or written information or communications given by The Twelfth Magpie, its employees, or agents will increase the scope of the above warranty or create any new or additional warranties.
The Twelfth Magpie, its employees or shareholders will not be liable for any indirect, incidental, special or consequential damages arising out of the use of Growth Pass, even if The Twelfth Magpie has been advised of such damages or losses.
Termination
The Twelfth Magpie may, at its sole discretion, suspend or discontinue Growth Pass for any reason at any time. In such an event, you will receive a prorated refund. Subject to the foregoing, you agree that The Twelfth Magpie shall not be liable to you or any third party for such suspension or discontinuance.
Modification or Discontinuation
The Twelfth Magpie reserves the right to modify, suspend or discontinue all, or part of the Product, including discontinuation of Product components without substitution. In the event we discontinue the Product, you agree that we may transfer your subscription to another The Twelfth Magpie service of equal or greater value. Of course, you may cancel your membership to the new service at any time and receive a pro-rated refund for the remainder of your subscription term. Without limiting any of the foregoing, you agree that if this Product is discontinued, The Twelfth Magpie only obligation to you is to provide you with a pro-rated refund, at your request.
Credit Transfer Information
Some of our services provide the option to transfer your purchase price credit towards a different The Twelfth Magpie service available in the UK. Depending on the terms of your purchase, you may be allowed to transfer the full or pro-rated credit from your purchase.
If you are unsure whether or not your service is eligible for a credit transfer, please contact [email protected].
All credit must be applied towards the list price of the product being transferred into, and it cannot be combined with any promotional offers or discounts. Members may only utilise any available swap or refund once per service. If you take advantage of a money-back guarantee or a credit-transfer guarantee into a new subscription, you will no longer be eligible to perform further action with that credit. If you take advantage of a credit transfer guarantee, please also note that you will lose access to any product(s) and benefits included in the original promotional offer, including additional services or reports that were included as a bonus for taking advantage of the offer.
From time to time, we offer report-style services, which are not renewable and require a one-time purchase. To qualify for a credit transfer into a report of this type, you must have enough credit to cover the full list price of the report.
When implementing a credit transfer, the term length of the service being transferred into cannot extend beyond three (3) years. The Twelfth Magpie reserves the right to disallow transfer into certain services depending on insufficient credit, product openings, investment timelines, a member’s history of transfers or prior refunds, or for any other reason at The Twelfth Magpie sole discretion.
Complaint handling
Details of our complaint handling process can be found here.
General
If any provision in these Terms and Conditions is invalid or unenforceable, the remaining provisions will continue in full force and effect.
These Terms and Conditions shall be governed by English law. You agree that any dispute between you and us will only be dealt with by the English courts, provided that, if you live in a part of the United Kingdom other than England or Wales, the applicable law of that part of the United Kingdom will govern and any dispute will only be dealt with by the courts there. Nothing shall prevent us from bringing proceedings to protect our intellectual property rights before any competent court.
Contacting us
Please submit any questions you have about these Terms and Conditions or an order you have placed or ordering in general, or any complaint or concern in relation to any subscription ordered by email to [email protected], by telephone on 020 7462 4300 between the hours of 9am to 5pm, Monday to Friday or write to us at 5 New Street Square, London EC4A 3TW.
If you wish to cancel a subscription you may do so by notifying us using the above detail.
These Terms and Conditions were last updated on 12/06/2026