Terms and Conditions

By subscribing to our service or using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please do not use our service.

These terms constitute a legal agreement between you and Phelanoraviq regarding your use of our financial planning subscription service, including all consultations, analytical reviews, and related materials.

Our subscription service includes the following components:

• Monthly personalised financial planning consultations
• Comprehensive analytical reviews of your financial situation
• Ongoing support and guidance throughout your subscription period

As a subscriber, you agree to the following responsibilities:

You may not use our service for the following purposes:

• Any illegal or unauthorised activities
• Sharing account access with unauthorised third parties
• Attempting to reverse engineer or copy our methodologies
• Providing false or misleading information during consultations
• Using our service to compete with or undermine our business

All content, materials, methodologies, and intellectual property related to our service remain the exclusive property of Phelanoraviq. This includes consultation frameworks, analytical tools, and proprietary planning approaches.

You may not reproduce, distribute, or create derivative works based on our intellectual property without explicit written permission. Information shared during consultations is for your personal use only.

We respect your intellectual property rights and will not claim ownership of personal financial information you share during our service.

We process your personal information in accordance with our Privacy Policy and applicable data protection regulations. Please review our privacy practices for detailed information about data collection and usage.

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Our service provides educational discussions and analytical reviews rather than specific financial advice. We do not guarantee specific outcomes or results from using our service, and individual experiences may vary significantly.

Past performance does not guarantee future results. All financial decisions remain your responsibility, and we recommend consulting with qualified professionals before making significant financial commitments.

Our liability is limited to the maximum extent permitted by law. We are not liable for indirect, consequential, or punitive damages arising from your use of our service.

Our maximum liability for any claims related to our service is limited to the amount you have paid for your subscription in the 12 months preceding the claim.

We are not responsible for losses resulting from market conditions, third-party actions, or circumstances beyond our reasonable control.

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our service, breach of these terms, or violation of applicable laws or third-party rights.

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

Either party may terminate the subscription with 30 days written notice. You may cancel your subscription at any time, with termination effective at the end of your current billing period.

We reserve the right to suspend or terminate service immediately for violations of these terms, non-payment, or other serious breaches of our agreement.

These terms are governed by English law and subject to the exclusive jurisdiction of the English courts. All legal proceedings must be conducted in accordance with UK legal procedures.

We may update these terms periodically to reflect changes in our service, applicable laws, or business practices. Updated terms will be posted on our website with effective dates.

Continued use of our service after term updates constitutes acceptance of the revised terms. We will notify subscribers of material changes through email or account notifications.

For questions about these terms or our service, please contact us: