Financial Services Disclaimer

Past performance does not guarantee future results.

Financial planning involves risk and individual circumstances vary significantly.

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as personalised financial advice. We provide analytical reviews and consultations to help you understand various financial planning approaches. Results may vary based on individual circumstances, market conditions, and personal financial situations.

This disclaimer applies to all content, services, and communications provided through our platform, including consultations, analytical reviews, and written materials.

Information Accuracy and Completeness

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content presented. Financial markets and regulations change frequently, and information may become outdated.

  • Market data and financial information are subject to rapid changes
  • Regulatory requirements may vary based on individual circumstances
  • Personal financial situations require individualised analysis

Limitation of Liability

Our liability is limited to the extent permitted by UK law. The following limitations apply to our services and consultations.

Service Limitations

We shall not be liable for any direct, indirect, or consequential losses arising from the use of our consultation services or analytical reviews.

Consequential Damages

We exclude liability for any indirect damages, lost profits, or opportunity costs that may arise from financial decisions made following our consultations.

Professional Advisory Notice

Our subscription service provides general financial planning consultations and analytical reviews. For specific legal, tax, or regulated financial advice, please consult with appropriate qualified professionals.

Important Notice: Always seek independent professional advice before making significant financial decisions.

Third-Party Links and Resources

Our website may contain links to external resources and third-party websites for your convenience and additional information.

We are not responsible for the content, accuracy, or practices of external websites linked from our platform.

Service Warranties

We provide our subscription services on an "as is" basis without warranties of any kind, whether express or implied.

  • No guarantee of specific financial outcomes or results
  • No warranty regarding market performance or economic conditions
  • No guarantee of service availability or technical functionality
  • No warranty regarding the suitability of general information for specific circumstances

Financial Planning Risk Notice

All financial planning involves inherent risks and uncertainties. Market conditions, economic factors, and personal circumstances can significantly impact financial outcomes.

The value of financial assets can go down as well as up, and you may not recover the full amount of your original contributions.

Individual results may vary based on personal circumstances and market conditions.

Jurisdiction and Governing Law: Jurisdiction and Governing Law

Jurisdiction and Governing Law

These terms are governed by the laws of England and Wales, with jurisdiction in the courts of England and Wales.

Regional Considerations

While our services are designed for UK residents, specific regulations may vary across different regions within the United Kingdom.

Governing Law: English and Welsh law governs all aspects of our service agreement and disclaimer provisions.

Legal Jurisdiction: The courts of England and Wales have exclusive jurisdiction over any disputes arising from our services.

Dispute Resolution Process: We encourage resolution of any concerns through our customer service team before pursuing formal legal proceedings.

User Indemnification

Users agree to indemnify and hold harmless Theraluxoravi and its representatives from any claims arising from misuse of our consultation services or breach of these terms.

Severability Clause

If any provision of this disclaimer is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Disclaimer Updates: Disclaimer Updates:

Disclaimer Updates: Disclaimer Updates:

Disclaimer Updates: Disclaimer Updates

Disclaimer Updates

We reserve the right to update this disclaimer as necessary to reflect changes in our services, legal requirements, or industry practices. Updates become effective immediately upon posting.

Last Updated: September 3, 2025

Questions About This Disclaimer

If you have questions about this disclaimer or need clarification on any provisions, please contact our customer service team using the information below.

Email Address: info@theraluxoravi.com

Telephone: +44 121 3575 2636

Business Address: 42 Kingsway, London WC2B 6EX