Terms and Conditions

Terms of Service

Learn more about the terms governing your use of our financial planning services and website.

By using our services, you agree to be bound by these terms and conditions. Please read them carefully before proceeding.

Definitions

Key terms used throughout these conditions have specific meanings:

• • "Services": Our financial planning consultations, advice, and related support provided through our subscription model
• • "Subscription": The monthly recurring payment plan that grants access to our financial planning services
• • "Client" or "You": The individual or entity subscribing to and using our financial planning services
• • "Company" or "We": morivandelyquos and our authorized representatives providing financial planning services

Use of Our Services

Your use of our services is subject to certain permitted and prohibited activities:

Permitted Uses

• • Receiving financial planning consultations and guidance for personal financial matters
• • Accessing materials and resources provided as part of your subscription
• • Communicating with our team about your financial planning needs and questions

Prohibited Uses

• • Sharing access credentials or subscription benefits with unauthorized individuals
• • Using our services for commercial purposes or to benefit third parties
• • Attempting to reverse engineer, copy, or redistribute our proprietary materials
• • Providing false or misleading information about your financial situation

Your Responsibilities

As a client, you have certain obligations to ensure the best service experience:

• • Provide accurate and complete information about your financial situation
• • Keep your account information and contact details up to date
• • Attend scheduled consultations or provide reasonable notice of cancellation
• • Maintain confidentiality of any proprietary methods or materials shared
• • Pay subscription fees on time according to your chosen billing cycle

Intellectual Property

All content, methods, materials, and intellectual property remain the exclusive property of morivandelyquos.

You may not reproduce, distribute, or create derivative works without our express written permission.

Your subscription grants you a limited, non-transferable license to use our materials for personal financial planning purposes only.

Privacy and Data Protection

Your privacy is important to us, and we handle your personal information in accordance with applicable data protection laws.

Please refer to our separate Privacy Policy for detailed information about how we collect, use, and protect your personal data. Privacy Policy

Payment Terms and Billing

Understanding your billing obligations and our payment policies:

• • Monthly subscription fees of £250 are billed in advance on your billing date
• • All fees are inclusive of VAT at the current UK rate of 20%
• • Failed payments may result in service suspension after a 7-day grace period
• • Refunds are generally not provided for unused portions of subscription periods

Service Termination

Either party may terminate the service relationship under certain conditions:

You may cancel your subscription at any time with 30 days' written notice

We may terminate services immediately for breach of terms or non-payment after appropriate notice

Service Disclaimers

Our services are provided "as is" without warranties of specific outcomes or results.

We make no guarantees about the accuracy, completeness, or suitability of our guidance for your specific situation.

Please refer to our separate Disclaimer page for comprehensive limitation of liability information. Disclaimers

Limitation of Liability

Our liability for any claims arising from our services is limited as follows:

We shall not be liable for any indirect, incidental, or consequential damages

Our total liability shall not exceed the amount you paid in the preceding twelve months

Dispute Resolution

We prefer to resolve disputes amicably, but formal mechanisms are available if needed:

Governing Law and Jurisdiction

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales

These terms are governed by the laws of England and Wales, with disputes subject to UK court jurisdiction.

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and Disclaimers, constitute the complete agreement between us.

Changes to These Terms

We may modify these terms from time to time with appropriate notice to existing clients.

Continued use of our services after changes indicates your acceptance of the updated terms.

Questions About These Terms

If you have questions about these terms and conditions, please contact us using the information provided on our website.