Terms and Conditions of Service
Last updated on: August 22, 2025
Agreement to Terms
Welcome to Lunarethixvo Financial Planning Services. These terms govern your use of our subscription consultation service and website.
By accessing our services or subscribing to our monthly consultations, you agree to be bound by these terms and conditions. Please read them carefully before proceeding.
Permitted Use of Our Services
Our financial planning consultation service is designed for personal use only. When using our platform and services:
- • You must provide accurate and complete information during consultations
- • You must use our service for legitimate financial planning purposes only
- • You must respect our intellectual property and consultation frameworks
- • You must comply with all applicable laws and regulations
Your Responsibilities as a Client
To ensure effective consultation services and maintain professional standards, we require clients to meet certain responsibilities.
By using our service, you agree to:
- • Provide honest and complete financial information relevant to consultations
- • Attend scheduled consultation sessions or provide reasonable notice of cancellation
- • Pay subscription fees promptly according to your selected plan
- • Respect our consultants' professional expertise and time commitments
- • Maintain confidentiality of consultation discussions and proprietary planning methods
Prohibited Activities
The following activities are strictly forbidden when using our consultation services:
- • Recording consultation sessions without explicit written consent
- • Sharing or distributing our proprietary planning tools and frameworks
- • Using consultation time for anything other than personal financial planning
- • Attempting to reverse engineer or copy our consultation methodologies
- • Harassing or behaving unprofessionally towards our team members
Intellectual Property and Consultation Materials
All consultation frameworks, planning tools, analysis methods, and related materials remain the exclusive property of Lunarethixvo Financial Planning Services.
You may not reproduce, distribute, or commercially exploit any consultation materials, planning templates, or proprietary methodologies without written permission.
Privacy and Data Protection
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information during consultation services.
Service Termination
Either party may terminate the subscription service with 30 days written notice. We reserve the right to suspend services immediately for breach of these terms.
Upon termination, you'll retain access to consultation notes and materials from your active subscription period but forfeit access to ongoing support and future sessions.
Important Service Disclaimers
Our consultation service provides general guidance and analytical discussion rather than specific financial product recommendations or regulated advice.
Key Service Limitations
Our consultation service is provided "as is" without warranties of specific outcomes. Individual results may vary based on personal circumstances and market conditions.
Liability Limitations
To the fullest extent permitted by law, our liability for consultation services is limited to the subscription fees paid in the 12 months preceding any claim.
We accept no liability for financial decisions made following consultation discussions or for indirect consequences of planning conversations.
Client Indemnification
You agree to indemnify Lunarethixvo Financial Planning Services against claims arising from your breach of these terms or misuse of consultation services.
Financial Services Ombudsman
We're committed to resolving any concerns through professional discussion. However, formal dispute resolution options are available:
Arbitration Process
Disputes will be resolved through binding arbitration under the rules of the Chartered Institute of Arbitrators, rather than court proceedings.
Arbitration will take place in London, England, and be conducted in English according to English law and arbitration procedures.
European Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for consumer complaints.
European Commission ODR Platform Access EU ODR Platform
This platform facilitates resolution of online purchase disputes between consumers and traders registered in the EU.
Applicable Law
These terms are governed by English and Welsh law, with disputes subject to the exclusive jurisdiction of English courts.
Terms Modification
We may update these terms to reflect service changes or legal requirements. Significant changes require 30 days advance notice.
Updated terms take effect on the specified date. Continued use of our service after changes indicates acceptance of revised terms.
Severability and Waiver
If any term is deemed unenforceable, the remaining provisions continue in full effect without impairment of the overall agreement.
Our failure to enforce any term doesn't constitute a waiver of our right to enforce that or any other term in the future.
Complete Agreement
These terms, together with our Privacy Policy and service disclaimers, constitute the complete agreement between you and Lunarethixvo Financial Planning Services.
Terms-Related Inquiries
For questions about these terms and conditions, please contact us at info@lunarethixvo.com or +44 7911 2191 6075.
Company Name: Lunarethixvo
Business Address: 1 Rathbone Square, Fitzrovia, London W1T 1FB, England
Email Address: contact@lunarethixvo.com
Phone Number: +44 7911 2191 6075