Terms and Conditions

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 Calyvenithora Financial Planning Ltd.

Calyvenithora provides subscription-based financial planning consultation services, including personalised analysis, budget discussions, and strategic planning conversations.

Services are provided subject to availability and may vary based on your subscription plan and individual circumstances.

To use our services, you must meet the following requirements:

• Be at least 18 years of age
• Be a resident of the United Kingdom
• Provide accurate and complete information during registration

18+ only

As a user of our services, you agree to:

• Provide accurate and truthful information about your financial situation
• Attend scheduled consultations or provide reasonable notice of cancellation
• Make subscription payments on time as per your chosen plan
• Treat our staff and consultants with respect during all interactions
• Use our services only for their intended purpose of financial planning consultation

You may not use our services to:

• Engage in any illegal or fraudulent activities
• Attempt to gain unauthorised access to our systems or data
• Share your account credentials with third parties
• Use our services to compete with or replicate our business model
• Harass, intimidate, or threaten our staff or other clients

All content on our website and in our services, including text, graphics, logos, and methodologies, is owned by Calyvenithora and protected by intellectual property laws.

We grant you a limited, non-exclusive license to access and use our services for their intended purpose only.

By providing information during consultations, you grant us the right to use this information solely for the purpose of delivering our services to you.

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Please review our Privacy Policy at Privacy Policy

Subscription fees are charged monthly or annually as selected during registration. Payment terms include:

• All prices include VAT at the applicable rate (currently 20%)
• Payments are processed automatically on your billing date
• Refunds are provided only in accordance with our cancellation policy

Our services are provided for consultation and analysis purposes only. We make no guarantees about financial outcomes or results.

Services are provided "as is" without warranties of any kind, either express or implied, including merchantability or fitness for a particular purpose.

Calyvenithora's liability for any claims arising from these terms or our services is limited to the amount paid for services in the 12 months preceding the claim.

We shall not be liable for any indirect, incidental, consequential, or punitive damages, including lost profits or opportunities.

You agree to indemnify Calyvenithora against any claims, losses, or expenses arising from your breach of these terms or misuse of our services.

Either party may terminate the subscription with 30 days' written notice. We may terminate 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.

Any disputes arising from these terms shall be resolved through the following process:

These terms shall be governed by and construed in accordance with the laws of England and Wales.

These terms are governed by English law and subject to the exclusive jurisdiction of English courts.

These terms constitute the complete agreement between you and Calyvenithora regarding use of our services and supersede all prior agreements.

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

We may modify these terms at any time by posting updated terms on our website with a revised effective date.

Significant changes will be communicated to active subscribers by email at least 30 days before the effective date.