Terms & Conditions

Service Agreement

These Terms & Conditions govern your use of vorienthalos financial planning services. By subscribing to our services or using our website, you agree to be bound by these terms.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, please do not use our services or website.

These terms constitute a legally binding agreement between you and vorienthalos. Your continued use of our services indicates your acceptance of these terms and any updates we may make from time to time.

Acceptance of Terms

By accessing our website, subscribing to our services, or engaging in consultations, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

You must be at least 18 years old and legally capable of entering into binding agreements to use our services. If you are using our services on behalf of an organisation, you represent that you have authority to bind that organisation to these terms.

Your acceptance of these terms creates a binding contract between you and vorienthalos, governed by the laws of England and Wales.

Description of Services

vorienthalos provides financial planning consultation services through a subscription model. Our services include personalised consultations, analytical reviews, and ongoing guidance to help you understand various approaches to financial planning.

Our services are provided for informational and consultation purposes. We do not provide regulated financial advice, product recommendations, or manage client funds. All financial decisions remain entirely your responsibility.

• Personalised financial planning consultations with experienced professionals
• Comprehensive analytical reviews of your financial situation and goals
• Ongoing support and guidance through our subscription service
• Educational resources and insights about financial planning approaches

Your Responsibilities

As a user of our services, you have certain responsibilities to ensure proper use of our platform and maintain the security of your account.

Account Management

• Provide accurate and complete information during registration and consultations
• Maintain the confidentiality and security of your account credentials
• Notify us immediately of any unauthorised use of your account
• Keep your contact information and preferences up to date

Prohibited Uses

You agree not to use our services for any unlawful or prohibited purposes, including:

• Providing false or misleading information during consultations
• Attempting to gain unauthorised access to our systems or other user accounts
• Using our services to engage in illegal activities or money laundering
• Reproducing, copying, or reselling our proprietary content or methodologies
• Interfering with the proper functioning of our website or services
• Violating any applicable laws or regulations in connection with your use of our services

Acceptable Use Policy

To maintain a professional environment and protect all users, please observe these usage guidelines:

• Treat our team and other clients with respect and professionalism
• Use our services only for legitimate financial planning purposes
• Respect scheduled appointment times and provide reasonable notice for changes
• Do not attempt to record consultations without explicit prior consent
• Maintain confidentiality of proprietary methodologies and insights shared during consultations

Payment and Billing

Our services are provided through a subscription model with monthly billing. Payment is due in advance for each subscription period.

Subscription fees are charged monthly at £250 plus applicable VAT. All fees are clearly displayed before you complete your subscription signup.

• Monthly subscription fee of £250 plus VAT (£300 total including 20% VAT)
• Payments are processed automatically on your monthly billing date
• Failed payments may result in service suspension until payment is resolved
• Subscription cancellation requires 30 days written notice

Representative APR: Variable rate applicable to consultation services. All prices include VAT where applicable. No minimum contract period required.

Intellectual Property

All content, methodologies, materials, and intellectual property provided through our services remain the exclusive property of vorienthalos and are protected by copyright and other intellectual property laws.

You are granted a limited, non-exclusive licence to use our services for your personal financial planning purposes only. You may not reproduce, distribute, modify, or create derivative works from our content.

Any feedback, suggestions, or ideas you provide regarding our services may be used by vorienthalos without obligation or compensation to you.

Privacy and Data Protection

We are committed to protecting your privacy and personal data in accordance with applicable data protection laws, including UK GDPR and other relevant privacy regulations.

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms & Conditions.

Privacy Policy: Please review our Privacy Policy for detailed information about our data practices

Disclaimers and Warranties

Our services are provided "as is" without any warranties, express or implied. We make no guarantees about the outcomes or results you may achieve from our financial planning guidance.

While we strive to provide accurate and helpful guidance, financial planning involves inherent uncertainties and risks that are beyond our control.

• We disclaim all warranties regarding the accuracy, completeness, or timeliness of information
• No warranty that our services will meet your specific requirements or expectations
• No guarantee of particular financial outcomes or results from our guidance
• No warranty that our services will be uninterrupted or error-free

Limitation of Liability

To the maximum extent permitted by law, vorienthalos's total liability to you for all claims arising from our services shall not exceed the amount you paid for services in the 12 months preceding the claim.

We exclude liability for indirect, consequential, or special damages including lost profits, business interruption, or loss of data, even if we were advised of the possibility of such damages.

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

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through the following mechanisms:

Alternative Dispute Resolution

Before pursuing formal legal action, we encourage resolving disputes through direct communication with our customer service team.

If direct resolution is not possible, disputes may be resolved through mediation or arbitration under the rules of a recognised UK arbitration body.

Arbitration proceedings shall be conducted in English and take place in London, England, unless otherwise agreed by both parties.

EU Online Dispute Resolution

For EU residents, the European Commission provides an Online Dispute Resolution platform for resolving disputes arising from online purchases.

You can access this platform to submit complaints and seek resolution for disputes related to our services.: EU ODR Platform

Please note that participation in ODR procedures is voluntary and does not affect your right to seek resolution through other means.

Termination of Services

You may cancel your subscription at any time with 30 days written notice. Cancellation will take effect at the end of your current billing period.

We reserve the right to suspend or terminate your access to our services immediately if you violate these terms or engage in prohibited activities.

• Failure to pay subscription fees when due
• Violation of these Terms & Conditions or acceptable use policies
• Engagement in fraudulent or illegal activities
• Breach of confidentiality or misuse of our intellectual property

Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of England and Wales.

Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer resident in Scotland or Northern Ireland, you may have additional rights under local consumer protection laws.

Modifications to Terms

We may update these Terms & Conditions periodically to reflect changes in our services, legal requirements, or business practices.

We will provide notice of material changes by posting updated terms on our website and sending notification to registered users. Changes become effective 30 days after posting.

Your continued use of our services after changes take effect constitutes acceptance of the updated terms. If you disagree with changes, you may cancel your subscription.

Entire Agreement

These Terms & Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and vorienthalos regarding your use of our services and supersede all prior agreements or understandings.

Contact Information

If you have questions about these Terms & Conditions or need to provide notices under these terms, please contact us using the information provided on our website.