Terms and Conditions
Terms of Service Agreement
These Terms and Conditions govern your use of Thalovarenqi's financial planning subscription service and website. By accessing our services, creating an account, or subscribing to our services, you agree to be bound by these terms. Please read them carefully before using our services.
If you do not agree with any part of these terms, you must not use our services. Your continued use of our services constitutes acceptance of any updates or modifications to these terms.
Definitions
For the purposes of these Terms and Conditions, the following definitions apply throughout this agreement.
- • Service: Our financial planning subscription service, including consultations, analytical reviews, website access, and all related materials and communications provided by Thalovarenqi
- • User/Client: Any individual who accesses our website, subscribes to our services, or participates in consultations provided by Thalovarenqi
- • Content: All information, materials, advice, analysis, and communications provided through our service, including written reports, consultation notes, and website content
- • Agreement: These Terms and Conditions, together with our Privacy Policy, Cookie Policy, and any additional terms applicable to specific services
Use of Our Service
Your use of our financial planning service is subject to certain conditions and requirements designed to ensure appropriate and effective service delivery.
Eligibility Requirements
You must be at least 18 years old and have the legal capacity to enter into binding agreements. Our services are primarily designed for UK residents, though we may serve clients in other jurisdictions subject to applicable regulations.
Account Responsibility
You are responsible for maintaining the confidentiality of your account information and all activities that occur under your account. You must notify us immediately of any unauthorised use or security breaches.
Acceptable Use
You agree to use our services only for legitimate financial planning purposes and in compliance with all applicable laws and regulations. You must provide accurate and complete information during consultations and when requested for analytical reviews.
Prohibited Activities
When using our services, you agree not to engage in any of the following prohibited activities, which may result in immediate termination of your subscription.
- • Providing false, misleading, or incomplete information during consultations or in applications
- • Using our services for any illegal, fraudulent, or unauthorised purposes
- • Attempting to gain unauthorised access to our systems, accounts, or confidential information
- • Sharing, distributing, or reproducing our proprietary content without written permission
- • Harassing, threatening, or abusing our staff or other clients
- • Using our services to compete with or harm our business interests
Intellectual Property Rights
All content, materials, methodologies, and analytical frameworks provided through our service are the intellectual property of Thalovarenqi and are protected by copyright, trademark, and other applicable laws. You receive a limited, non-exclusive license to use this content solely for your personal financial planning purposes.
You may not reproduce, distribute, modify, or create derivative works from our content without express written permission. Any unauthorised use may result in legal action and immediate termination of your subscription.
User-Generated Content
When you provide information, feedback, or other content during our consultations or through our platforms, certain terms apply to this user-generated content.
License to Use Your Content
By providing information or content to us, you grant Thalovarenqi a non-exclusive license to use this information solely for the purpose of delivering our services to you and improving our service quality.
Content Accuracy and Responsibility
The content on this website is created and maintained by Thalovarenqi Financial Planning Services. We are responsible for all editorial content and ensure compliance with applicable UK regulations and professional standards.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms and Conditions. Please review our Privacy Policy to understand how we handle your data.
Service Disclaimers
Our services are provided with certain limitations and disclaimers that you must understand and accept before subscribing to our service.
- • We provide our services "as is" without warranties of any kind, express or implied, including but not limited to merchantability or fitness for a particular purpose
- • Our consultations and analytical reviews are based on information you provide and general financial planning principles — results may vary based on individual circumstances
- • While we strive for accuracy, we cannot guarantee that all information provided is error-free or that our analysis will lead to specific financial outcomes
- • We do not guarantee uninterrupted access to our services and may suspend or modify services for maintenance, updates, or other operational reasons
Limitation of Liability
Our liability to you is limited to the fullest extent permitted by law. In no event shall Thalovarenqi be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, business interruption, or financial losses resulting from your use of our services.
Our total liability for any claims related to our services shall not exceed the amount paid by you for our services in the 12 months preceding the event giving rise to the claim.
Indemnification
You agree to indemnify and hold harmless Thalovarenqi, its officers, directors, employees, and agents from any claims, losses, damages, or expenses arising from your use of our services, violation of these terms, or any financial decisions made based on our consultations or analytical reviews.
Termination of Service
Either party may terminate this agreement under certain circumstances, subject to the terms outlined below.
Termination by You
You may cancel your subscription at any time by providing written notice. Cancellation will take effect at the end of your current billing period, and no refunds will be provided for unused portions of prepaid services.
Termination by Us
We may terminate your subscription immediately if you violate these terms, provide fraudulent information, or engage in activities that harm our business or other clients. We may also terminate with 30 days' notice for operational reasons.
Effects of Termination
Upon termination, your access to our services will cease, and we will securely delete or return your personal information in accordance with our data retention policy and applicable legal requirements.
Alternative Dispute Resolution
We encourage resolving disputes through direct communication, but formal dispute resolution procedures are available if needed.
Arbitration Agreement
Any disputes arising from these terms or our services shall be resolved through binding arbitration rather than in court, except where prohibited by law. Arbitration proceedings shall be conducted in accordance with the rules of a recognised arbitration body in the United Kingdom.
Each party will bear their own costs for arbitration proceedings, and the arbitrator's decision shall be final and binding on both parties.
European Union Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for consumer disputes related to online services.
The EU ODR platform is available at ec.europa.eu/consumers/odr: ec.europa.eu/consumers/odr
Governing Law and Jurisdiction
This agreement shall be interpreted and enforced in accordance with English law, without regard to conflict of law principles that might apply the laws of other jurisdictions.
Changes to These Terms
We may modify these Terms and Conditions from time to time to reflect changes in our services, legal requirements, or business practices. We will provide notice of material changes through our website or by email where appropriate.
Your continued use of our services after changes become effective constitutes acceptance of the updated terms. If you do not agree with the changes, you must discontinue use of our services.
Severability
If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with an enforceable provision that most closely reflects the original intent.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Thalovarenqi regarding your use of our services, superseding any prior agreements or understandings.
Contact Information for Terms
If you have questions about these Terms and Conditions or need clarification about any provisions, please contact us at info@thalovarenqi.com or +44 7700 4285 9911.
Thalovarenqi
101 Victoria St, Bristol BS1 6PU, United Kingdom
Email: contact@thalovarenqi.com
Phone: +44 7700 4285 9911
These Terms and Conditions are effective as of: July 25, 2025