Terms and Conditions

Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

These terms constitute a legally binding agreement between you and Xavirenolutha regarding your use of our services.

Key Definitions

The following definitions apply throughout these terms and conditions.

• • Service: Our financial planning subscription service, including consultations, discussions, and related support provided through various communication channels.
• • User/Client: Any individual who accesses our website, subscribes to our service, or participates in our consultations.
• • Content: All information, materials, discussions, and resources provided through our service, including consultation notes and recommendations.
• • Company/We/Us: Xavirenolutha, a UK limited company providing financial planning subscription services.

Service Usage Terms

Your use of our service is subject to specific conditions and responsibilities outlined below.

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding contracts to use our service.

18+ only

Account Responsibilities

• • Provide accurate and complete information during registration and consultations
• • Maintain the confidentiality of your account credentials and personal information
• • Notify us immediately of any unauthorised use of your account
• • Use the service only for legitimate financial planning purposes

Prohibited Activities

The following activities are strictly prohibited when using our service.

• • Using the service for any unlawful purpose or in violation of applicable regulations
• • Attempting to gain unauthorised access to our systems or other users' accounts
• • Reproducing, distributing, or commercialising our proprietary content without permission
• • Providing false or misleading information during consultations or registration
• • Using our service to solicit other users for competing services
• • Interfering with the proper functioning of our website or service delivery

Intellectual Property

All content, methodologies, and materials used in our service are protected by intellectual property rights and remain our exclusive property.

We grant you a limited, non-exclusive licence to use our service for personal financial planning purposes only.

User-Generated Content

You retain ownership of information you provide during consultations, subject to our privacy policy and confidentiality obligations.

By sharing information with us, you grant us the right to use it for service provision and improvement purposes.

Privacy and Data Protection

Full details in our Privacy Policy

Service Disclaimers

Our service is provided on an "as is" basis without warranties of any kind, express or implied.

We make no guarantees about consultation outcomes, service availability, or the suitability of discussions for your specific circumstances.

Liability Limitations

Our liability is limited to the maximum extent permitted by law. We are not liable for indirect, consequential, or special damages.

Where liability cannot be excluded, our maximum liability is limited to the subscription fees paid in the preceding 12 months.

User Indemnification

You agree to indemnify and hold us harmless from claims arising from your use of the service or breach of these terms.

Alternative Dispute Resolution

We are committed to resolving disputes efficiently and fairly through various mechanisms.

Certain disputes may be excluded from arbitration, including those involving intellectual property rights.

Service Termination

Either party may terminate the service with 30 days written notice. We reserve the right to terminate immediately for terms violations.

Upon termination, your access to the service ceases, but privacy obligations and liability limitations remain in effect.

Governing Law

These terms are governed by English law, with disputes resolved in UK courts unless otherwise specified by applicable consumer protection laws.

Terms Modifications

We may modify these terms with reasonable notice. Significant changes will be communicated via email or website notification.

Continued use of the service after terms changes constitutes acceptance of the modified terms.

Severability Clause

If any provision is found unenforceable, the remaining terms continue in full effect.

Complete Agreement

These terms, together with our privacy policy and disclaimer, constitute the complete agreement between the parties.

Business Contact Details

For questions about these terms, contact us at info@xavirenolutha.com