Terms and Conditions
Welcome to kalorivenqia. These terms and conditions govern your use of our website and subscription services.
Effective Date: August 29, 2025
Acceptance of Terms
By accessing our website or using our services, you agree to be bound by these terms and conditions.
If you do not agree with any part of these terms, please do not use our services
Service Description
kalorivenqia provides subscription-based financial planning consultations and guidance services, including
- Monthly one-on-one consultation sessions
- Personalised financial planning recommendations
- Ongoing support and progress reviews
User Responsibilities
As a user of our services, you agree to
Account Security
Maintain the confidentiality of your account information and notify us immediately of any unauthorised access
Accurate Information
Provide accurate and complete information during consultations to ensure appropriate guidance
Lawful Use
Use our services only for lawful purposes and in accordance with these terms
Prohibited Uses
You may not use our services to
- Violate any applicable laws or regulations
- Impersonate others or provide false information
- Attempt to gain unauthorised access to our systems
- Share confidential information obtained during consultations
- Use our services for any commercial purpose without permission
Intellectual Property
All content on our website and in our services, including text, graphics, logos, and software, is owned by kalorivenqia and protected by intellectual property laws.
You may not reproduce, distribute, or create derivative works without our express written permission
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use your information.
Our Privacy Policy is incorporated by reference into these terms Privacy Policy
Payment Terms
By subscribing to our services, you agree to the following payment terms
Subscription Pricing
Our monthly subscription service is priced at £250 per month, payable in advance
Billing and Payment
Payments are processed automatically on the same date each month. All prices include VAT at the current rate of 20%
Refund Policy
Refunds are not provided for services already delivered. You may cancel your subscription with 30 days' notice to avoid future charges
Limitation of Liability
To the maximum extent permitted by law, kalorivenqia shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.
Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim
Indemnification
You agree to indemnify kalorivenqia against any claims arising from your breach of these terms or misuse of our services
Dispute Resolution
We are committed to resolving disputes fairly and efficiently
Alternative Dispute Resolution
Before initiating formal legal proceedings, we encourage resolution through
- Direct negotiation between the parties
- Mediation through a mutually agreed mediator
- Industry-specific ombudsman services where applicable
Online Dispute Resolution
EU consumers have access to the European Commission's Online Dispute Resolution platform
You can submit complaints through the EU ODR platform at: EU ODR Platform
Our email for ODR purposes: contact@kalorivenqia.com: contact@kalorivenqia.com
Termination
Either party may terminate the subscription with 30 days' written notice. We may terminate immediately for breach of these terms.
Upon termination, access to services will cease, but these terms will continue to apply to past use
Governing Law
These terms are governed by the laws of England and Wales, and disputes will be subject to the jurisdiction of English courts
Changes to Terms
We reserve the right to modify these terms at any time. Material changes will be communicated to active subscribers.
Continued use of our services after changes constitutes acceptance of the new terms
Severability
If any provision of these terms is deemed invalid, the remaining provisions shall remain in full effect
Entire Agreement
These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and kalorivenqia
Contact Information
For questions about these terms, please contact us using the information provided in our contact section