Important Disclaimers and Legal Information

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as professional financial advice tailored to your specific circumstances

This content is designed to provide general insights into financial planning concepts and should be used as a starting point for your own research

Before making any financial decisions, please consult with qualified professionals who can assess your individual situation

Limitation of Liability

To the fullest extent permitted by applicable law, Norathivonquel Financial Planning shall not be liable for any damages arising from your use of this service

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Personal injury or property damage
• Third-party claims or actions

Our total liability shall not exceed the amount you paid for our services in the preceding twelve months

Information Accuracy and Updates

While we strive to provide accurate and up-to-date information, financial markets and regulations change frequently

We make reasonable efforts to update our content regularly but cannot guarantee the timeliness of all information presented

Users are responsible for verifying information independently before making financial decisions

No Professional Advisory Relationship

Our subscription service provides general financial planning guidance and does not constitute the following types of professional advice

• Licensed financial advisory services
• Legal counsel or tax preparation services
• Accounting or auditing services
• Regulated investment management

Always seek qualified professional advice for your specific financial, legal, and tax matters

Third-Party Links and Resources

Our website may contain links to external websites and resources provided by third parties

These links do not constitute endorsement of the third-party content or services

We are not responsible for the accuracy, availability, or content of external websites

Individual Results and Outcomes

Individual results may vary significantly based on personal circumstances

Financial planning outcomes depend on numerous factors beyond our guidance and consultation services

• Personal financial discipline and commitment to recommended strategies
• Market conditions and economic factors beyond anyone's control
• Individual starting financial position and available resources
• Life circumstances and unexpected events that may affect financial plans

User Indemnification

By using our services, you agree to indemnify Norathivonquel Financial Planning against any claims arising from your use of our guidance

This includes claims related to your financial decisions made in connection with our consultation services

Legal Jurisdiction and Governing Law

These disclaimers are governed by the laws of England and Wales and the jurisdiction of UK courts

All disputes shall be resolved under English law unless otherwise specified by mandatory local regulations

Any disputes will be handled through appropriate UK legal channels and alternative dispute resolution mechanisms

Severability of Terms

If any part of these disclaimers is found unenforceable, the remaining provisions shall continue in full effect

Disclaimer Modifications

We reserve the right to update these disclaimers to reflect changes in our services or legal requirements

Material changes will be communicated through our website with reasonable advance notice

Contact Information for Disclaimer Questions

If you have questions about these disclaimers or their application to your situation, please contact us using the information below

Last Updated: August 13, 2025

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these disclaimers