Terms and Conditions

These Terms and Conditions govern your use of financial planning services provided by kalivoraquen Financial Planning Ltd. By engaging our services, you agree to be bound by these terms.

Last updated: August 22, 2025

Acceptance of Terms

By accessing our website, subscribing to our services, or engaging in consultations, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

Service Description

We provide subscription-based financial planning services including monthly consultations, analytical reviews, and personalized guidance. Our services are advisory in nature and do not include direct management of client funds or securities.

User Eligibility and Requirements

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

• Be at least 18 years of age and legally capable of entering contracts
• Provide accurate and truthful information during consultations
• Reside in a jurisdiction where our services are legally available

User Responsibilities

As a client, you agree to:

• Provide accurate financial information necessary for effective planning
• Attend scheduled consultations or provide reasonable notice of cancellation
• Keep your account information and contact details current
• Use our services only for lawful purposes and in good faith

Prohibited Uses

You may not use our services for:

• Any illegal activity or violation of applicable laws
• Providing false or misleading information about your financial situation
• Attempting to gain unauthorized access to our systems or other users' information
• Using our services to compete with our business or develop competing services
• Transmitting harmful code, viruses, or other disruptive technologies

Intellectual Property Rights

All content, materials, and intellectual property provided through our services remain our property. You may not reproduce, distribute, or create derivative works without written permission.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. Privacy Policy.

Payment Terms and Billing

Our subscription service operates under the following payment terms:

Service Disclaimers

Limitation of Liability

Our liability for any claims related to our services is limited to the amount of fees paid for the service period in question. We exclude liability for indirect, consequential, or punitive damages.

Client Indemnification

You agree to indemnify kalivoraquen Financial Planning Ltd against any claims, damages, or expenses arising from your breach of these terms or misuse of our services.

Termination of Services

Either party may terminate the service relationship under the following circumstances:

• Client request with 30 days written notice
• Breach of terms and conditions by either party
• Non-payment of fees after reasonable notice period

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through established procedures.

Governing Law

These terms are governed by English law. Any legal proceedings will be subject to the jurisdiction of English and Welsh courts.

Severability

If any provision of these terms is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These terms, along with our Privacy Policy and other referenced policies, constitute the complete agreement between you and kalivoraquen Financial Planning Ltd regarding our services.

Changes to Terms

We may update these terms periodically. Significant changes will be communicated via email or website notice at least 30 days before taking effect.

Contact Information for Terms

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