Important Disclaimer

General Information

The information provided on this website is for general informational purposes only and should not be considered as personalised financial advice. We provide analytical reviews and consultations to help you understand various approaches to financial planning and resource allocation.

Our services are designed to offer guidance and insights based on your individual circumstances. However, all financial decisions remain entirely your own, and we encourage you to consider multiple perspectives before making any significant financial choices.

The content on this website reflects general principles of financial planning and may not be suitable for everyone. Your personal financial situation is unique, and what works for one person may not be appropriate for another.

Information Accuracy

Whilst we strive to ensure all information provided is accurate and up-to-date, we cannot guarantee the completeness or accuracy of all content. Financial markets, regulations, and economic conditions change frequently, which may affect the relevance of information provided.

We regularly review and update our content, but there may be delays between market changes and updates to our materials. Always verify current information with relevant financial institutions or regulatory bodies.

• Market conditions and regulations change frequently
• Information may become outdated between updates
• Individual circumstances affect the applicability of general information
• External factors may impact the relevance of our guidance

Limitations of Liability

To the fullest extent permitted by law, vorienthalos shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services or website.

Our liability is limited to the amount you have paid for our services in the 12 months preceding any claim. We exclude liability for losses that are not a foreseeable consequence of our breach of these terms.

• Loss of profits or revenue
• Loss of business opportunities
• Loss of data or information
• Indirect or consequential losses
• Losses arising from third-party actions

Nothing in this disclaimer excludes or limits our liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

Professional Advice Disclaimer

The consultations and analytical reviews we provide are not a substitute for independent professional advice from qualified financial advisors, accountants, or legal professionals. We recommend seeking appropriate professional advice before making significant financial decisions.

Our role is to help you understand different approaches to financial planning and provide insights based on your circumstances. We do not provide regulated financial advice or recommend specific financial products.

If you require regulated financial advice, product recommendations, or specialised services, please consult with appropriately qualified and regulated professionals in your jurisdiction.

External Links and Third Parties

Our website may contain links to external websites and resources. These links are provided for convenience only, and we do not endorse or take responsibility for the content, accuracy, or practices of external sites.

We are not liable for any loss or damage arising from your use of external websites or reliance on information found on third-party sites. External sites may have different terms of use and privacy policies.

Before engaging with any external service providers or acting on information from third-party sites, please review their terms and conditions and satisfy yourself as to their suitability for your needs.

Results and Outcomes

Individual results may vary

The effectiveness of our financial planning guidance depends on numerous factors unique to each individual. Past results achieved by other clients are not indicative of future results you may achieve.

Success in financial planning requires commitment, discipline, and often time to see meaningful results. External factors beyond anyone's control may impact your financial outcomes.

• Your individual financial circumstances and goals
• Market conditions and economic environment
• Your commitment to implementing guidance
• External factors beyond our control

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of vorienthalos and is protected by United Kingdom and international copyright laws.

You may view and download content for personal use only. Commercial use, reproduction, distribution, or modification of any content without written permission is strictly prohibited.

Any unauthorised use of our intellectual property may result in legal action. If you believe your intellectual property rights have been infringed, please contact us immediately.

Governing Law and Jurisdiction

This disclaimer and your use of our services are governed by the laws of England and Wales. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

These terms are governed by English law, and any disputes will be resolved in English courts

Specific provisions may apply based on your location:

• Scottish law applies for residents of Scotland
• Northern Irish law applies for residents of Northern Ireland
• EU consumer protection laws may apply to EU residents
• Additional consumer rights may apply in your jurisdiction

We comply with applicable UK financial services regulations and data protection requirements. If you are located outside the UK, additional laws may apply to your use of our services.

Indemnification

You agree to indemnify and hold vorienthalos harmless from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

This indemnification includes reasonable legal fees and costs incurred in defending against such claims. Your indemnification obligations survive termination of our service relationship.

Severability

If any provision of this disclaimer is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with valid provisions that most closely reflect the original intent.

Changes to This Disclaimer

We may update this disclaimer periodically to reflect changes in our services, legal requirements, or business practices. Updated versions will be posted on our website with a revised effective date.

Continued use of our services after changes are posted constitutes acceptance of the updated disclaimer. We recommend reviewing this disclaimer regularly to stay informed of any changes.

Contact Information

If you have questions about this disclaimer or our services, please contact us using the information below. We aim to respond to all enquiries within two business days.