Terms & Conditions

By accessing our website or using our consultation 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 Claruviantho Financial Planning Limited.

Service Eligibility

Our consultation services are available to individuals aged 18 and over who are seeking financial planning guidance. You must provide accurate and complete information when using our services.

18+ only

Permitted Use

• • Using our consultation services for personal financial planning purposes
• • Accessing website content for informational purposes
• • Communicating with our team about our services

When using our services, you agree to:

• • Provide accurate and complete information during consultation sessions
• • Maintain the confidentiality of your account information
• • Use our services in compliance with applicable laws and regulations
• • Pay subscription fees on time and in accordance with agreed terms
• • Notify us promptly of any changes to your contact information

You may not:

• • Use our services for any unlawful or fraudulent purposes
• • Attempt to gain unauthorised access to our systems or data
• • Share confidential consultation information with third parties without consent
• • Interfere with or disrupt our website or services
• • Reproduce or distribute our proprietary content without permission

All content, materials, and intellectual property on our website and in our consultation services remain the property of Claruviantho Financial Planning Limited and are protected by applicable copyright and trademark laws.

All content, trademarks, and intellectual property on this website are owned by Claruviantho Financial Planning Limited and protected under UK and international copyright law.

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms and Conditions. Privacy Policy

Our consultation services are provided "as is" without warranties of any kind, whether express or implied.

We make no warranties regarding the accuracy, completeness, or suitability of consultation advice for your specific circumstances.

Past performance does not guarantee future results.

Our total liability to you for any claims arising from our consultation services is limited to the subscription fees paid for the relevant service period.

We shall not be liable for any indirect, consequential, or punitive damages arising from your use of our services.

You agree to indemnify Claruviantho Financial Planning against any claims arising from your use of our services, except where such claims result from our negligence or breach of these terms.

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through good faith negotiation or, if necessary, through the courts of England and Wales.

EU Online Dispute Resolution

EU residents may access the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr for consumer disputes.

EU ODR Platform: ec.europa.eu/consumers/odr: https://ec.europa.eu/consumers/odr

Either party may terminate the consultation service relationship with 30 days' written notice. We reserve the right to terminate services immediately for breach of these terms.

Upon termination, your access to consultation services will cease, though these terms will continue to apply to any prior use of our services.

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

We may update these Terms and Conditions periodically. Significant changes will be communicated through email or website notices.

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

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

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Claruviantho Financial Planning regarding our services.

If you have questions about these Terms and Conditions, please contact us using the information provided below.