Terms and Conditions

Acceptance of Terms

By accessing and using torivalenqus's website and services, you acknowledge that you have read, understood, and 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 services.

Your continued use of our services constitutes acceptance of any modifications to these terms.

Definitions

For the purposes of these Terms and Conditions:

• Service: Refers to the financial planning consultation service provided by torivalenqus, including monthly subscriptions and related guidance
• User/Client: Any individual who accesses or uses our website or subscribes to our services
• Content: All information, advice, materials, and resources provided through our website and consultations
• Company/We/Us: Refers to torivalenqus and its authorized representatives

Service Usage Rules

Your use of our services is subject to the following conditions:

Permitted Uses

• Accessing financial planning consultations for personal use
• Using provided resources and materials for your own financial planning
• Sharing feedback and testimonials with our permission

Prohibited Activities

• Reselling or redistributing our consultation services to third parties
• Using our services for illegal activities or fraud
• Attempting to access unauthorized areas of our systems
• Providing false information during consultations
• Interfering with other users' access to our services

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during consultations
• Maintain the confidentiality of your account information
• Pay all fees associated with your subscription on time
• Comply with all applicable laws and regulations

Intellectual Property Rights

All content, materials, and resources provided through our services remain the intellectual property of torivalenqus. This includes consultation methodologies, written materials, and proprietary planning tools.

You may not reproduce, distribute, or create derivative works from our proprietary content without written permission.

Privacy and Data Protection

We are committed to protecting your personal information in accordance with applicable data protection laws, including GDPR. Your privacy rights and our data handling practices are detailed in our Privacy Policy.

Please review our Privacy Policy for comprehensive information about how we collect, use, and protect your personal data. Privacy Policy

Payment and Subscription Terms

Subscription fees are charged monthly in advance and must be paid by the specified due date. All fees are quoted in British Pounds and include VAT where applicable.

• Monthly subscriptions automatically renew unless cancelled with 30 days notice
• Failed payments may result in service suspension after 7 days
• Refunds are not provided for partially used subscription periods

Limitation of Liability

Our liability for any claims arising from your use of our services is limited to the amount you have paid for services in the 12 months preceding the claim.

We exclude liability for indirect, consequential, or punitive damages to the maximum extent permitted by law.

User Indemnification

You agree to indemnify and hold torivalenqus harmless from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Binding Arbitration

Any disputes arising from these terms will be resolved through binding arbitration rather than court litigation:

• Arbitration will be conducted under English arbitration law
• The arbitrator's decision will be final and binding
• Each party will bear their own arbitration costs

EU Online Dispute Resolution

For eligible disputes, EU residents may access the Online Dispute Resolution platform:

Termination of Services

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

Upon termination, your access to consultations and materials will cease, but these terms will continue to apply to past service usage.

Modifications to Terms

We may modify these Terms and Conditions from time to time to reflect changes in our services or legal requirements.

Significant changes will be communicated via email or website notice at least 30 days before taking effect.

Governing Law

These Terms and Conditions are governed by English and Welsh law, regardless of your location or country of residence.

English and Welsh courts have exclusive jurisdiction over any legal proceedings arising from these terms.

Severability Clause

If any provision of this disclaimer is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. Invalid provisions will be modified to the minimum extent necessary to make them enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced documents, constitute the complete agreement between you and torivalenqus regarding your use of our services.

Contact Us

If you have questions about our Cookie Policy or how we use cookies, please contact us at contact@torivalenqus.com or +44 305 493 453.