Terms and Conditions of Service

Acceptance of Terms

By subscribing to our service, submitting payment, 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.

Service Description and Scope

Oracynthivelo provides monthly financial planning consultation services for a subscription fee of £250 per month, including VAT. Our service includes one 60-minute consultation call per month, email support between sessions, and personalised financial planning discussions.

Services are available to UK residents aged 18 and over. Results may vary based on individual circumstances and market conditions

Subscriber Responsibilities

As a subscriber, you agree to the following responsibilities:

• Provide accurate and complete information about your financial situation
• Attend scheduled consultation sessions or provide 24 hours notice for rescheduling
• Make payment on time according to your chosen billing schedule
• Use the service responsibly and in accordance with these terms

Prohibited Uses and Conduct

You agree not to use our service for any of the following purposes:

• Illegal activities or violations of applicable laws and regulations
• Sharing login credentials or allowing unauthorised access to your account
• Attempting to disrupt, damage, or interfere with our systems or services
• Using the service to compete with Oracynthivelo or reverse engineer our methods

Intellectual Property Rights

All content, materials, and proprietary information provided through our service remain the intellectual property of Oracynthivelo. This includes consultation frameworks, planning templates, and methodologies developed by our team.

We grant you a limited, non-transferable license to use our service for personal financial planning purposes only

Privacy Policy - How We Protect Your Information

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

Payment Terms and Billing

Subscription fees are £250 per month, including VAT at the standard rate. Payment is due monthly in advance via direct debit or card payment. All prices include applicable taxes and are subject to change with 30 days written notice.

Limitation of Liability and Disclaimers

Our liability is limited to the total amount paid for services in the 12 months preceding any claim. We are not liable for indirect, consequential, or punitive damages arising from your use of our service.

Services are provided "as is" without warranties. We do not guarantee specific financial outcomes or results

Alternative Dispute Resolution

We encourage direct communication to resolve any disputes. If direct resolution fails, the following procedures apply:

These terms are governed by English law, with disputes subject to the jurisdiction of English courts, unless you are a consumer with rights to bring proceedings in your home jurisdiction

Termination and Account Closure

We may terminate your subscription immediately for breach of these terms, non-payment, or conduct that damages our reputation or service quality. Upon termination, your access to services ceases immediately.

Provisions regarding payment obligations, intellectual property, and liability limitations survive termination

Modifications to Terms

We reserve the right to modify these terms with 30 days written notice to subscribers. Continued use of our service after modifications constitutes acceptance of revised terms.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect. Unenforceable provisions will be modified to reflect the original intent while maintaining enforceability.

Entire Agreement

These terms, together with our Privacy Policy and Cookie Policy, constitute the complete agreement between you and Oracynthivelo regarding your use of our subscription service.

Questions About These Terms