Terms and Conditions

Service Agreement Terms

These terms and conditions govern your use of Theraluxoravi and establish the framework for our subscription-based financial planning relationship.

By subscribing to our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

Effective Date: August 11, 2025

Key Definitions

The following terms have specific meanings within this agreement and our service relationship.

  • Service: Our monthly financial planning subscription including consultations and analytical reviews
  • Company: Theraluxoravi, a UK limited company
  • Subscriber: Any individual who has purchased our subscription service
  • Content: All information, analysis, and guidance provided through our platform

Eligibility Requirements

Our services are available to UK residents aged 18 and over who can enter into legally binding contracts.

You must be at least 18 years old to subscribe to our financial planning services.

Subscriber Responsibilities

As a subscriber, you agree to the following responsibilities to ensure effective service delivery.

  • Provide accurate and complete information during consultations
  • Attend scheduled appointments or provide reasonable notice of cancellations
  • Keep your account information and contact details up to date
  • Use our services for lawful purposes and personal financial planning only

Prohibited Activities

The following activities are strictly prohibited when using our services or platform.

  • Sharing account access or consultation content with unauthorised parties
  • Using our services for commercial purposes or reselling our guidance
  • Attempting to circumvent security measures or access restricted areas
  • Providing false information or misrepresenting your financial situation
  • Using our platform to transmit harmful or malicious content

Intellectual Property Rights

All content, methodologies, and materials provided through our service remain the intellectual property of Theraluxoravi.

Unauthorised reproduction, distribution, or commercial use of our content is prohibited.

Privacy and Data Protection

Your personal information is processed in accordance with our Privacy Policy and UK data protection legislation.

Please review our Privacy Policy for detailed information about data collection and usage. Privacy Policy.

Subscription and Payment Terms

Our subscription service operates on a monthly billing cycle with the following terms applying to all payments.

  • Subscriptions are billed monthly in advance at £250 per month including VAT
  • Payment is due within 7 days of invoice date via bank transfer or card payment
  • Failed payments may result in service suspension after a 14-day grace period

Cancellation and Refunds

You may cancel your subscription at any time with 30 days' written notice. Cancellation takes effect at the end of your current billing period.

Refunds are not provided for partial months or unused consultations within a billing period.

Liability Limitations

Our liability is limited to the maximum extent permitted by UK law, with total liability capped at the amount paid for services in the 12 months preceding any claim.

We exclude liability for indirect, consequential, or punitive damages arising from our services.

Indemnification

You agree to indemnify Theraluxoravi against any claims arising from your breach of these terms or misuse of our services.

Alternative Dispute Resolution

We encourage informal resolution of disputes through our customer service team before formal proceedings.

Formal Dispute Resolution

Any disputes that cannot be resolved informally may be subject to mediation or arbitration under UK commercial dispute resolution procedures.

Disputes will be resolved according to the rules of the Centre for Effective Dispute Resolution (CEDR).

Online Dispute Resolution

EU residents may access the European Commission's Online Dispute Resolution platform for consumer disputes.

The ODR platform is available at ec.europa.eu/consumers/odr

Formal dispute notices must be sent in writing to our registered business address.

Governing Law

These terms are governed by English and Welsh law, with exclusive jurisdiction in the courts of England and Wales.

Service Termination

Either party may terminate the service agreement with appropriate notice. We reserve the right to suspend services for breach of these terms.

Upon termination, access to consultations and platform content will cease at the end of the current billing period.

Changes to Terms

We may update these terms to reflect changes in our services, legal requirements, or business practices.

Significant changes will be communicated via email with 30 days' notice before taking effect.

Complete Agreement

These terms, together with our Privacy Policy and service documentation, constitute the complete agreement between you and Theraluxoravi.

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force and effect.

Questions About These Terms

For clarification on any aspect of these terms and conditions, contact our team at info@theraluxoravi.com or call +44 121 3575 2636.

Email Address: info@theraluxoravi.com

Telephone: +44 121 3575 2636

Business Address: 42 Kingsway, London WC2B 6EX