Important Disclaimers and Legal Information

The financial planning consultations and analytical reviews provided through our subscription service are for informational purposes only. While we strive to provide accurate and current information, market conditions and financial regulations change frequently, and individual circumstances vary significantly.

Our service fee of £250 per month provides access to regular consultations and financial reviews. This fee is charged monthly in advance and includes VAT where applicable. No additional setup fees apply, though specific analytical reports may incur separate charges as agreed in writing.

All discussions and recommendations are based on the information you provide to us. The accuracy and effectiveness of our financial planning guidance depends significantly on the completeness and accuracy of your financial disclosure and personal circumstances.

Our liability in connection with the financial planning subscription service is subject to the following important limitations:

• We shall not be liable for any indirect, consequential, or special damages arising from the use of our financial planning services, including but not limited to loss of profits, business interruption, or financial losses from implementing our recommendations.
• Our maximum liability for any claims related to our services shall not exceed the total subscription fees paid by you in the twelve months preceding the claim, regardless of the legal theory upon which such claim is based.
• We do not guarantee specific financial outcomes or returns from following our planning recommendations. Individual results may vary based on market conditions, personal circumstances, and implementation of recommendations.
• Time limitations apply to all claims. Any legal action must be commenced within twelve months of the date when the cause of action arose or could reasonably have been discovered.

We make reasonable efforts to ensure that all information provided during consultations and in analytical reviews is accurate and current. However, financial markets, regulations, and tax rules change frequently, and we cannot guarantee the ongoing accuracy of all information provided.

Market data, regulatory information, and financial calculations are sourced from reputable third-party providers. While we believe these sources to be reliable, we cannot warrant their accuracy or completeness. You should verify critical information independently before making significant financial decisions.

Our analytical reviews reflect information and market conditions at the time of preparation. Significant changes in personal circumstances, market conditions, or regulatory environment may affect the relevance and applicability of previously provided recommendations.

Our subscription service provides general financial planning consultations and analytical reviews. These discussions are intended to help you understand various financial concepts and approaches, but do not constitute formal financial advice, legal advice, tax advice, or other professional services requiring specific professional qualifications.

For complex financial decisions, tax planning, legal structuring, or regulated financial product recommendations, you should seek advice from appropriately qualified and regulated professionals in those specific fields.

Individual results may vary.

Our website and consultations may reference or link to external websites, resources, or services for your information and convenience. These links do not constitute endorsement of the external sites or their content, and we are not responsible for the accuracy, availability, or content of linked sites.

We encourage you to review the terms of use and privacy policies of any external sites you visit. Your interactions with third-party sites are governed by their respective terms and conditions, not by these disclaimers.

All content, materials, analytical frameworks, and proprietary methodologies used in our financial planning service are owned by tivoranexulo or our licensors and are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our proprietary materials without written permission.

You retain ownership of all personal financial information and data you provide to us. By using our service, you grant us permission to use this information solely for the purpose of providing financial planning consultations and analytical reviews as part of your subscription.

You agree to indemnify and hold harmless tivoranexulo, its directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of our services, breach of these terms, or violation of any law or third-party rights in connection with our financial planning subscription service.

These disclaimers and your use of our financial planning services are governed by the laws of England and Wales. Any disputes arising from our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

We reserve the right to modify these disclaimers at any time to reflect changes in our services, legal requirements, or business practices. Updated disclaimers will be posted on our website with a revised effective date. Continued use of our services after changes constitutes acceptance of the updated terms.

These disclaimers were last updated on August 21, 2025.

If you have questions about these disclaimers or need clarification about any aspect of our financial planning services, please contact us using the information provided below. We are committed to transparent communication about our services and limitations.

By using our financial planning subscription service, submitting information through our website, or engaging in consultations, you acknowledge that you have read, understood, and agree to be bound by these disclaimers and any updates thereto.