Terms and Conditions of Service

Service Agreement Terms

Welcome to our terms and conditions. These terms govern your use of our financial planning services and website.

By using our services or website, you agree to be bound by these terms and conditions. Please read them carefully before proceeding.

Key Terms and Definitions

The following definitions apply throughout these terms and conditions:

• • "We," "us," "our": Refers to Candarithos Financial Planning Limited, a UK registered company
• • "You," "your," "client": Refers to any individual or entity using our services or website
• • "Services": Our financial planning consultations, analytical reviews, and related advisory services
• • "Subscription": Our monthly recurring service agreement for ongoing financial planning support

Acceptable Use of Our Services

Our services are provided for legitimate financial planning purposes under the following guidelines:

Permitted Uses

• • Seeking personal financial planning guidance and analytical reviews
• • Accessing educational content and resources on our website
• • Communicating with our team about your financial planning needs

Prohibited Uses

• • Using our services for any illegal or unauthorised purpose
• • Attempting to gain unauthorised access to our systems or client data
• • Sharing confidential information or recommendations with unauthorised parties
• • Using our content without permission for commercial purposes
• • Providing false or misleading information about your circumstances

Your Responsibilities as a Client

To ensure effective service delivery, you agree to the following responsibilities:

• • Provide accurate and complete information about your financial situation
• • Inform us promptly of any significant changes to your circumstances
• • Keep your login credentials secure and notify us of any unauthorised access
• • Pay subscription fees promptly according to the agreed schedule
• • Seek independent professional advice for complex legal or tax matters

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services remain the exclusive property of Candarithos Financial Planning Limited.

You may not reproduce, distribute, or commercially exploit our proprietary content without express written permission.

Privacy and Data Protection

Your privacy is important to us. Please review our separate Privacy Policy for detailed information about how we collect, use, and protect your personal data. Privacy Policy

Subscription and Payment Terms

Our services are provided on a subscription basis with the following payment terms:

• • Monthly subscription fees of £250 are charged in advance on the same date each month
• • All prices include VAT at the prevailing UK rate (currently 20%)
• • Payment is due within 7 days of invoice date via direct debit or bank transfer
• • Late payments may result in service suspension after 14 days notice period

Service Termination

Either party may terminate the service relationship under the following conditions:

We may terminate services with 30 days notice for non-payment, breach of terms, or if we can no longer provide appropriate service for your needs.

You may cancel your subscription at any time with 30 days notice. No refunds are provided for partial months.

Service Disclaimers

Important limitations and disclaimers that apply to our services:

Limitation of Liability

Our total liability to you for any claims arising from our services is limited to the amount you have paid in subscription fees in the preceding 12 months.

We exclude liability for any indirect, consequential, or special damages including loss of profits or opportunity costs.

Client Indemnification

You agree to indemnify us against any claims, losses, or expenses arising from your misuse of our services or breach of these terms.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently through the following process:

This does not affect your statutory rights as a UK consumer under applicable consumer protection legislation.

Governing Law

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

Terms and Conditions Updates

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

Significant changes will be communicated via email or website notice at least 30 days before taking effect.

Severability

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

Complete Agreement

These terms, together with our Privacy Policy and service agreements, constitute the complete agreement between us and supersede all prior arrangements.

Contact Information for Terms Queries

For questions about these terms and conditions, please contact us using the details provided in our main contact section.