Terms and Conditions of Service
Introduction and Acceptance
These terms and conditions govern your use of our website and financial planning consultation services.
By accessing our website or using our services, you agree to be bound by these terms and conditions.
Important Definitions
The following definitions apply throughout these terms and conditions:
- Services: Financial planning consultations, analytical reviews, and related advisory services provided by our team
- User/Client: Any individual or entity accessing our website or engaging our services
- Content: All information, materials, and resources available on our website or through our services
- Agreement: These terms and conditions along with any additional service agreements or policies
Service Usage Terms
The following terms apply to your use of our financial planning services and website:
Eligibility Requirements
Our services are available to UK residents who are at least 18 years of age and have the legal capacity to enter into binding agreements.
18+ only
Your Responsibilities as a Client
When using our services, you agree to:
- Provide accurate and complete information during consultations
- Maintain the confidentiality of any login credentials or account information
- Use our services in compliance with applicable laws and regulations
- Respect intellectual property rights and not reproduce our materials without permission
- Pay fees promptly according to agreed payment terms
Prohibited Activities
You may not use our services or website for:
- Any unlawful purposes or activities that violate applicable regulations
- Transmitting harmful code, viruses, or disruptive technologies
- Attempting to gain unauthorised access to our systems or other users' accounts
- Reproducing, distributing, or commercially exploiting our proprietary content
- Harassing, intimidating, or interfering with other users or our staff
Intellectual Property Protection
All content, materials, trademarks, and intellectual property on our website and in our services remain the exclusive property of Phyronelithav Financial Planning Services.
We grant you a limited, non-exclusive license to access and use our services for their intended purpose only.
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.
For detailed information about data collection and processing, please refer to our comprehensive Privacy Policy. Privacy Policy
Service Disclaimers
Our services are provided "as is" without warranties of any kind, whether express or implied.
We make no guarantees regarding specific outcomes, results, or the suitability of our advice for your particular circumstances.
Individual results may vary significantly based on personal circumstances
Limitation of Liability
Our liability to you is limited to the maximum extent permitted by law.
We shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services or website.
User Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your breach of these terms or misuse of our services.
Dispute Resolution
We are committed to resolving any disputes fairly and efficiently through the following mechanisms:
Alternative Dispute Resolution
Disputes may be resolved through mediation or arbitration as an alternative to court proceedings.
Any arbitration proceedings shall be conducted under the rules of a recognised UK arbitration body.
European Online Dispute Resolution
EU consumers may access the European Commission's Online Dispute Resolution platform.
Visit the EU ODR platform: https://ec.europa.eu/consumers/odr/
This provides access to dispute resolution services for cross-border consumer disputes.
Direct Resolution Attempts
We encourage direct communication to resolve concerns before pursuing formal dispute resolution procedures.
Service Termination
Either party may terminate the service relationship with appropriate notice as specified in individual service agreements.
Upon termination, your access to services will cease, but these terms shall survive to the extent necessary.
Applicable Law and Jurisdiction
These terms are governed by English law, and any disputes shall be subject to the jurisdiction of English and Welsh courts.
Severability of Terms
If any provision of these terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy and any additional service agreements, constitute the complete agreement between us.
Terms Modification
We reserve the right to modify these terms at any time to reflect changes in our services, legal requirements, or business practices.
Significant changes will be communicated through website notices or direct notification to active clients.
Terms and Conditions Contact
For questions about these terms and conditions, contact us at info@phyronelithav.com or +44 121 1576 2241 .
These terms and conditions were last updated on: August 7, 2025
Version: 2.1