Important Disclaimers

Please read these important disclaimers carefully before using our services. These statements are required by UK financial regulations and protect both you and our firm.

Last Updated: August 9, 2025

General Service Disclaimer

The information provided through our financial planning consultations is for general guidance purposes only and should not be considered as personalised advice without proper consultation.

We make every effort to ensure accuracy, but cannot guarantee that all information will be suitable for your specific financial situation.

Limitation of Liability

Our liability is limited in the following circumstances

• • We are not liable for any indirect, consequential, or punitive damages arising from the use of our services.
• • Our maximum liability is limited to the amount paid for our services in the 12 months preceding any claim.
• • We are not responsible for market conditions, economic changes, or regulatory modifications that may affect your financial situation.
• • Technical issues or service interruptions do not constitute grounds for compensation beyond service credits.
• • Third-party actions or advice received from other sources are outside our responsibility.

Information Accuracy

While we strive to provide accurate and up-to-date information, financial markets and regulations change frequently.

All information is provided on an "as is" basis without warranties of any kind.

No Professional Advice Warranty

Our consultations provide guidance and analysis but should not replace comprehensive professional advice tailored to your specific circumstances.

We recommend consulting with qualified professionals for complex financial matters beyond our scope of service.

Financial Service Disclaimers

Important considerations regarding our financial planning services

• • All recommendations are subject to market volatility and economic conditions beyond our control.
• • Individual results may vary significantly based on personal circumstances, timing, and implementation.
• • We do not guarantee specific financial outcomes or returns on any recommendations provided.
• • Past client experiences do not predict future results for new clients.

Individual results may vary based on personal circumstances, market conditions, and implementation of guidance received.

External Links Disclaimer

Our website may contain links to external websites for additional resources and information.

We are not responsible for the content, accuracy, or practices of external websites and do not endorse their services.

Intellectual Property Rights

All content, materials, and resources provided through our service are protected by intellectual property laws.

Unauthorised reproduction, distribution, or commercial use of our materials is strictly prohibited without written permission.

User Indemnification

Users agree to indemnify and hold harmless Moravienquilo against any claims, damages, or expenses arising from misuse of our services or violation of these terms.

Governing Law and Jurisdiction

These disclaimers are governed by the laws of England and Wales, with specific provisions for different UK jurisdictions.

Severability Clause

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

Modifications to Disclaimers

We reserve the right to modify these disclaimers at any time to reflect changes in law, regulation, or business practices.

Users will be notified of material changes through email or website notice at least 30 days before implementation.

Contact Information

For questions about these disclaimers or our services, please contact us