Terms and Conditions

These terms and conditions govern your use of our financial planning subscription service and website.

Effective Date: August 11, 2025

Acceptance of Terms

By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

Your continued use of our services constitutes acceptance of any updates to these terms.

Definitions

For the purposes of these terms, the following definitions apply

• • Service: Our monthly financial planning consultation subscription offering
• • Client: Any individual or entity using our financial planning services
• • Consultation: Professional financial planning guidance sessions provided monthly
• • Subscription: Ongoing monthly payment arrangement for access to our services

Service Description

We provide monthly financial planning consultations designed to help clients make informed financial decisions and work toward their financial goals.

Our services include personalised consultations, financial guidance, and ongoing support through our subscription model at £250 per month including VAT.

Eligibility Requirements

To use our services, you must meet the following requirements

• • Be at least 18 years of age
• • Provide accurate information during registration
• • Have the legal capacity to enter into binding agreements

18+ only

Your Responsibilities

As a client, you agree to the following responsibilities

• • Provide accurate and complete information for consultations
• • Maintain the confidentiality of your account information
• • Make timely payments according to your subscription terms
• • Use our services only for lawful purposes
• • Respect the professional nature of our consultation relationship

Prohibited Uses

You may not use our services for any of the following purposes

• • Any illegal or unauthorised purpose
• • Harassment or abuse of our staff or other clients
• • Attempting to gain unauthorised access to our systems
• • Sharing your account access with unauthorised parties
• • Using our service to provide advice to third parties
• • Any activity that could damage our reputation or business

Intellectual Property

All content, materials, and resources provided through our service are our intellectual property or used with permission.

You may not reproduce, distribute, or commercially use our materials without written permission.

Personal consultation materials are for your individual use only and may not be shared or redistributed.

Privacy Policy

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

Please review our Privacy Policy for detailed information about data handling practices Privacy Policy .

Payment Terms

The following payment terms apply to your subscription

• • Monthly subscription fee of £250 including VAT, charged in advance
• • Payments are due on the same date each month from your start date
• • Failed payments may result in service suspension after 7 days notice
• • No refunds for unused consultation time within a billing period

Important Disclaimers

Our services are provided subject to the following important disclaimers and limitations.

We provide services on an "as is" basis without warranties of specific outcomes or results.

Individual results may vary and past performance does not guarantee future results.

Limitation of Liability

Our liability is limited to the maximum extent permitted by law.

Our total liability shall not exceed the amount paid for services in the 12 months preceding any claim.

This limitation does not apply to liability for death, personal injury, or fraud.

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.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently

Service Termination

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

Upon termination, access to services ends, but confidentiality obligations continue.

Governing Law

These terms are governed by the laws of England and Wales.

Courts of England and Wales have exclusive jurisdiction over disputes.

Severability Clause

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

Entire Agreement

These terms constitute the entire agreement between you and us regarding our services, superseding all prior agreements.

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 Us About Cookies

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