Terms and Conditions of Service

Introduction and Agreement

These Terms and Conditions govern your use of Loraventhias's financial planning subscription service. By subscribing to our service or using our website, you agree to be bound by these terms.

Please read these terms carefully before using our service. If you do not agree with any part of these terms, you should not subscribe to or use our service.

Key Definitions

For clarity, the following terms have specific meanings throughout this agreement:

• • "Service" or "Subscription Service": The monthly financial planning consultation service provided by Loraventhias, including scheduled consultations, ongoing support, and related communications.
• • "Client" or "Subscriber": The individual who has subscribed to our service and agrees to these terms and conditions.
• • "Consultation": The monthly one-on-one planning sessions conducted via phone, video call, or in-person meetings as arranged.
• • "Platform" or "Website": The Loraventhias website and any associated digital platforms used to deliver our service.

Acceptable Use of Our Service

Your use of our service must comply with the following guidelines:

Permitted Uses

• • Participating in scheduled consultations and following up on action plans discussed during sessions
• • Accessing support resources and materials provided as part of your subscription
• • Communicating with our team regarding your subscription and planning needs

Prohibited Activities

• • Using our service for illegal activities or any purpose that violates applicable laws or regulations
• • Sharing access credentials or allowing unauthorised individuals to participate in your consultations
• • Recording consultations without explicit written consent from all parties involved
• • Using information obtained through our service for commercial purposes or sharing confidential strategies with third parties

Your Responsibilities as a Subscriber

As a subscriber, you agree to the following responsibilities:

• • Providing accurate and complete information necessary for effective financial planning discussions
• • Attending scheduled consultations or providing reasonable notice for rescheduling requests
• • Maintaining the confidentiality of any proprietary planning methodologies or strategies shared during consultations
• • Understanding that you are responsible for implementing discussed strategies and making final decisions about your finances

Intellectual Property Rights

All content, methodologies, planning frameworks, and materials provided through our service remain the intellectual property of Loraventhias. You may use these materials for your personal financial planning but may not reproduce, distribute, or commercialise them without written permission.

All content, design elements, and intellectual property on this website are owned by Loraventhias or used with permission. Unauthorised reproduction or distribution is prohibited.

Privacy and Data Protection

Your privacy is important to us. We collect and process personal information in accordance with applicable data protection laws and our Privacy Policy.

Please review our separate Privacy Policy for detailed information about how we handle your personal data. Privacy Policy

Payment and Billing Terms

The following terms apply to subscription payments and billing:

• • Subscription fee of £250 per month, inclusive of VAT, charged monthly in advance via direct debit or card payment
• • Payments are due on the same date each month from your initial subscription date, with automatic renewal unless cancelled
• • Failed payments may result in temporary suspension of service until payment is resolved, with possible reactivation fees

Limitation of Liability

Our liability to you is limited to the fullest extent permitted by law. We shall not be liable for any indirect, incidental, or consequential damages arising from your use of our service.

Our maximum liability for any claims related to our service shall not exceed the total amount paid by you in the 12 months preceding the claim.

Indemnification

You agree to indemnify Loraventhias against any claims arising from your misuse of our service or violation of these terms.

Alternative Dispute Resolution

For consumer disputes, we participate in alternative resolution procedures:

Service Termination

Either party may terminate the subscription with 30 days written notice. We reserve the right to terminate service immediately for violations of these terms or non-payment.

Upon termination, access to ongoing support will cease, though you retain rights to any materials provided during your active subscription period.

Applicable Law

These terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the English courts.

Severability of Terms

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

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Loraventhias regarding use of our service.

Modifications to Terms

We may modify these terms periodically to reflect changes in our service or legal requirements. Material changes will be communicated via email or website notice.

Continued use of our service after term modifications constitutes acceptance of the updated terms.

Contact Details

For questions about these Terms and Conditions, please contact us using the information provided in our contact section.