Terms and Conditions

Agreement Terms

These Terms and Conditions govern your use of services provided by myranovelitho Financial Planning Limited and establish the contractual relationship between us.

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

This agreement is legally binding and enforceable under the laws of England and Wales.

Key Definitions

For clarity and understanding, the following terms have specific meanings throughout this agreement.

• "Services": Financial planning consultations, analytical reviews, and guidance provided by myranovelitho Financial Planning Limited
• "User/Client": Any individual or entity that accesses our website or engages our consultation services
• "Content": All materials, information, and intellectual property available through our services and website
• "Account": Your registered profile and subscription with myranovelitho Financial Planning Limited

Service Eligibility Requirements

Our services are available to individuals who meet specific criteria and can legally enter into binding agreements.

18+ only

You must be at least 18 years old, legally competent, and authorised to engage financial consultation services in your jurisdiction.

User Responsibilities and Obligations

As a client of myranovelitho Financial Planning Limited, you agree to certain responsibilities and obligations.

Prohibited Uses and Activities

The following activities are strictly prohibited when using our services or accessing our website.

• Attempting to gain unauthorised access to our systems, accounts, or confidential information
• Using our services for illegal activities or to violate applicable laws and regulations
• Sharing, reproducing, or distributing our proprietary content without explicit written permission
• Interfering with website functionality or attempting to disrupt our service delivery
• Misrepresenting your identity or providing false information during registration or consultations

Intellectual Property Rights

All intellectual property rights in our services, website, and materials remain exclusively owned by myranovelitho Financial Planning Limited.

We grant you a limited, non-exclusive licence to use our services for personal consultation purposes only.

You may not copy, modify, distribute, or create derivative works from our proprietary content without written authorisation.

Privacy and Data Protection

Your privacy is important to us, and we are committed to protecting your personal information in accordance with applicable data protection laws.

We collect and process personal data necessary for providing consultation services and maintaining client relationships.

Detailed information about our data practices is available in our Privacy Policy, which forms part of this agreement.

Payment Terms and Conditions

Payment obligations and terms vary depending on your chosen subscription plan and service level.

Limitation of Liability

myranovelitho Financial Planning Limited's liability is limited as outlined below to protect both parties and establish clear expectations.

Services are provided "as is" without warranties of any kind, express or implied, including but not limited to merchantability or fitness for particular purposes.

Our maximum liability for any claim is limited to the amount paid for services in the twelve months preceding the claim.

We shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services.

User Indemnification

By using our services, you agree to indemnify and hold harmless myranovelitho Financial Planning Limited from claims arising from your use of our services or violation of these terms.

You agree to indemnify and hold us harmless from claims arising from your use of services or violation of these terms.

Dispute Resolution Procedures

We encourage resolving disputes through direct communication, but formal procedures are available when necessary.

Termination of Services

Either party may terminate this agreement under specific circumstances and with appropriate notice.

You may terminate your subscription at any time with 30 days' written notice to take effect at the end of your billing period.

We reserve the right to terminate services immediately for breach of these terms or inappropriate conduct.

Upon termination, your access to services will cease, though certain provisions of this agreement will survive termination.

Governing Law and Jurisdiction

All contractual relationships and disputes shall be governed by English law and resolved through English courts or approved arbitration services.

This agreement is governed by the laws of England and Wales, regardless of your location or residence.

Any legal proceedings must be brought in the courts of England and Wales, which have exclusive jurisdiction over disputes.

Severability of Terms

If any provision of this disclaimer is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

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

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced documents, constitute the entire agreement between the parties.

This agreement supersedes all prior negotiations, representations, or agreements relating to the subject matter herein.

Modifications to Disclaimer

myranovelitho Financial Planning Limited reserves the right to modify this disclaimer at any time with appropriate notice to users.

We may modify these terms with reasonable notice posted on our website and communicated to active subscribers.

Your continued use of services after posted modifications constitutes acceptance of updated terms.

Cookie Policy Contact Information

For questions about these Terms and Conditions or to report violations, please contact myranovelitho Financial Planning Limited.