Terms and Conditions of Service

Introduction and Agreement

These Terms and Conditions govern your use of Norathivonquel Financial Planning services and website located at Norathivonquel

By accessing our services, you agree to be bound by these terms and all applicable laws and regulations

We reserve the right to modify these terms at any time, with changes taking effect immediately upon posting

Important Definitions

For clarity, the following terms have specific meanings throughout this agreement

• Service: Financial planning consultation and guidance provided through our subscription platform
• User/Client: Any individual or entity that accesses or uses our services
• Subscription: Monthly recurring payment plan for ongoing access to our consultation services
• Content: All information, materials, and resources provided through our platform

Service Usage Terms

Your use of our financial planning services is subject to the following conditions and restrictions

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding agreements under UK law

18+ only

Account Responsibilities

• Provide accurate and complete information during consultation sessions
• Maintain confidentiality of any login credentials or account access information
• Use services only for lawful purposes and in accordance with these terms
• Notify us promptly of any unauthorized access or security breaches

Acceptable Use Policy

To maintain a professional environment, certain activities are prohibited when using our services

Prohibited Activities

• Attempting to gain unauthorized access to our systems or other user accounts
• Using our services for any illegal or fraudulent purposes
• Sharing or distributing proprietary content without written permission
• Interfering with the proper functioning of our website or services
• Harassing or threatening our staff or other service users
• Misrepresenting your identity or providing false information

Intellectual Property Rights

All content, materials, and resources provided through our services remain the intellectual property of Norathivonquel Financial Planning

This includes but is not limited to consultation materials, analytical frameworks, proprietary methodologies, and website content

User-Generated Content

Any information or content you provide during consultations or through our platform remains your property

By using our services, you grant us a limited license to use this information solely for providing consultation services

You are responsible for ensuring that any information you provide is accurate and does not violate third-party rights

Privacy and Data Protection

Your privacy is important to us and we are committed to protecting your personal information

Our Privacy Policy, which forms part of these terms, details how we collect, use, and protect your data

Service Disclaimers

Our financial planning services are provided on an "as is" basis with the following important disclaimers

• We do not guarantee specific financial outcomes or results from following our guidance
• Past performance and examples shared during consultations do not guarantee future results
• Our guidance should be considered alongside advice from other qualified professionals

Limitation of Liability

To the maximum extent permitted by law, Norathivonquel Financial Planning's liability is limited as follows

Our total liability shall not exceed the amount paid by you for services in the preceding 12 months

We exclude liability for indirect, consequential, or punitive damages arising from your use of our services

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

Dispute Resolution

In the event of any disputes arising from these terms or our services, the following procedures apply

Dispute Resolution Process

We encourage resolution through direct communication and will work in good faith to address any concerns

Formal disputes will be handled through UK legal channels and alternative dispute resolution where appropriate

EU Online Dispute Resolution

EU residents have access to the European Commission's Online Dispute Resolution platform

Our designated email for EU ODR purposes is info@norathivonquel.com

Service Termination

Either party may terminate the service relationship with appropriate notice

Upon termination, your access to ongoing consultation services will cease at the end of the current billing cycle

Provisions relating to intellectual property, liability limitations, and dispute resolution survive termination

Governing Law and Jurisdiction

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

These terms are governed by English law and subject to the jurisdiction of courts in England and Wales

Modifications to Terms

We may update these Terms and Conditions to reflect changes in our services or legal requirements

Material changes will be communicated through email or website notice with reasonable advance notice

Continued use of our services after changes take effect constitutes acceptance of the modified terms

General Provisions

Entire Agreement

These terms, together with our Privacy Policy, constitute the complete agreement between you and Norathivonquel Financial Planning

Severability

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

Waiver

Our failure to enforce any provision of these terms does not constitute a waiver of our right to enforce such provision in the future

Contact Information for Legal Matters

For questions about these Terms and Conditions or to report violations, please contact our legal department using the information provided in our Contact section

Last Updated: August 13, 2025

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