Terms and Conditions
Agreement Overview
These Terms and Conditions govern your use of selvianquora's financial planning subscription services. By accessing our website or using our services, you agree to be bound by these terms.
Please read these terms carefully before using our services. Your continued use constitutes acceptance of these conditions.
Key Definitions
For the purposes of these Terms and Conditions, the following definitions apply:
- "Services" refers to our financial planning consultation and subscription offerings
- "User" or "Client" means any individual who accesses or uses our services
- "Subscription" means the monthly financial planning service arrangement
- "Content" includes all materials, information, and resources provided through our services
Use of Our Services
Our financial planning services are designed to provide consultation, analysis, and guidance to help clients make informed financial decisions. Services are provided on a subscription basis with monthly consultation sessions.
Eligibility Requirements
You must be at least 18 years old and legally capable of entering into binding contracts to use our services.
Your Responsibilities
As a client, you agree to meet certain obligations to ensure effective service delivery:
- Provide accurate and complete information about your financial situation
- Attend scheduled consultation sessions or provide reasonable notice of cancellation
- Use our services in accordance with applicable laws and regulations
- Maintain confidentiality of any login credentials or account access information
Prohibited Activities
You may not use our services for any of the following purposes:
- Any illegal activities or purposes that violate applicable laws
- Sharing account access with unauthorized third parties
- Attempting to circumvent security measures or access restrictions
- Using services to harm, harass, or infringe upon others' rights
Intellectual Property
All content, materials, trademarks, and intellectual property associated with our services remain the exclusive property of selvianquora unless otherwise specified.
We grant you a limited, non-exclusive license to access and use our services for personal financial planning purposes only.
Privacy and Data Protection
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information.
By using our services, you consent to the collection and processing of your personal data as described in our Privacy Policy.
Payment and Billing
Subscription fees are charged monthly in advance. Payment is due on the same date each month. All fees are in British Pounds and include applicable VAT.
Refunds are provided at our discretion and typically limited to unused service periods.
Limitation of Liability
To the maximum extent permitted by law, selvianquora's liability for any claims arising from our services is limited to the amount of fees paid for services in the preceding 12 months.
In no event shall our total liability exceed £1,000 or the total fees paid by you, whichever is greater.
Indemnification
You agree to indemnify and hold selvianquora harmless from any claims, damages, or expenses arising from your use of our services or breach of these terms.
Dispute Resolution
We are committed to resolving any disputes efficiently and fairly through established procedures.
Arbitration Process
Any disputes that cannot be resolved through direct negotiation may be subject to binding arbitration under UK arbitration rules.
Arbitration proceedings will be conducted in London, England, in accordance with applicable UK arbitration procedures.
EU Online Dispute Resolution
EU consumers may access the European Commission's Online Dispute Resolution platform for eligible complaints.
Service Termination
Either party may terminate the subscription service with 30 days written notice. We reserve the right to terminate services immediately for breach of these terms.
Upon termination, your access to services will cease, but these terms will continue to apply to any outstanding obligations.
Governing Law
These terms are governed by the laws of England and Wales. Any legal proceedings must be brought in the courts of England and Wales.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full effect.
Complete Agreement
These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and selvianquora.
Modifications to Terms
We may modify these terms at any time by posting updated versions on our website. Significant changes will be communicated to active subscribers.
Continued use of our services following modifications constitutes acceptance of the updated terms.
Contact Information
For questions about these Terms and Conditions, please contact us using the information provided on our website.
Last updated: September 27, 2025
These terms are effective as of the last updated date shown above.