Terms and Conditions

Last Updated: August 18, 2025

These terms govern your use of our financial planning consultation services. Please read them carefully as they contain important information about your rights and obligations.

By using our services or website, you agree to be bound by these terms and conditions.

Key Definitions

For clarity, these terms have the following meanings throughout this document

• Services: Financial planning consultation services, including monthly meetings, guidance, and related support
• Client/You: Any individual who subscribes to or uses our consultation services
• Company/We/Us: Lythrenomavi Financial Planning Services Ltd and its representatives
• Consultation: One-on-one meetings to discuss financial planning matters and provide guidance

Service Usage

Our services are provided under the following conditions and expectations

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding agreements. Our services are available to UK residents and may be extended to international clients on a case-by-case basis.

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Service Registration

To access our consultation services, you must provide accurate and complete information during registration. You are responsible for maintaining the confidentiality of your account details and for all activities under your account.

Your Responsibilities

As a client, you agree to the following responsibilities

• Provide accurate and complete financial information during consultations
• Attend scheduled meetings or provide reasonable notice for cancellations
• Make timely payments for subscription services as agreed
• Maintain confidentiality of proprietary consultation methods and materials
• Use our services only for legitimate personal financial planning purposes

Prohibited Uses

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

• Any unlawful purpose or activity that violates UK laws or regulations
• Sharing consultation content or proprietary methods with third parties without permission
• Attempting to reverse engineer our consultation processes or methodologies
• Using our services to compete with our business or solicit our clients
• Misrepresenting your identity or providing false information during consultations

Intellectual Property Rights

All content, materials, and consultation methodologies provided through our services remain our intellectual property. You receive a limited license to use these materials solely for your personal financial planning purposes.

You may not copy, distribute, modify, or create derivative works from our proprietary materials without written permission

Privacy and Data Protection

Your privacy is important to us. We collect and use your personal information as described in our Privacy Policy, which forms an integral part of these terms.

Please review our Privacy Policy for detailed information about how we handle your personal data

Service Disclaimers

Our consultation services are provided on an "as is" basis. While we strive to provide helpful guidance, we make no warranties about specific outcomes or the suitability of our advice for your particular circumstances.

Limitation of Liability

To the fullest extent permitted by UK law, our liability for any claims arising from our services is limited to the amount you paid for services in the 12 months preceding the claim.

We exclude liability for indirect, consequential, or special damages, including lost profits or financial losses resulting from your financial decisions

Client Responsibilities

You agree to indemnify and hold us harmless from any claims arising from your use of our services or breach of these terms

Dispute Resolution

We are committed to resolving disputes fairly and efficiently through the following mechanisms

Service Termination

Either party may terminate the consultation service relationship with 30 days written notice. We reserve the right to terminate immediately for breach of these terms.

Upon termination, your right to access our services ends, but confidentiality obligations continue

Governing Law

These terms are governed by the laws of England and Wales, without regard to conflict of law principles.

Any legal proceedings shall be subject to the exclusive jurisdiction of the courts of England and Wales

Modifications to Terms

We may modify these terms periodically to reflect changes in our services or legal requirements.

We will notify you of material changes via email or website notice at least 30 days before they take effect

Severability of Terms

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

Complete Understanding

These terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between us regarding our services

Contact Details

If you have questions about these terms or need clarification about our services, please contact us using the information provided in our contact section.