Terms and Conditions
Introduction to Our Terms of Service
These Terms and Conditions govern your use of Ecliphentora Financial Planning Services and our website. By accessing our services, you agree to comply with and be bound by these terms. Please read them carefully before using our services.
Your continued use of our website and services constitutes acceptance of these terms and any updates we may make from time to time.
Important Definitions
The following terms have specific meanings when used in these Terms and Conditions:
- Services: Our financial planning subscription service, consultations, analysis, and related support provided through Ecliphentora
- User/Client: Any individual who accesses our website, uses our services, or subscribes to our financial planning service
- Subscription: The monthly recurring payment plan that provides access to our financial planning consultation services
- Content: All information, materials, advice, and communications provided through our website and services
Description of Our Services
Ecliphentora provides subscription-based financial planning consultation services designed to help individuals make informed financial decisions. Our services include monthly consultations, financial analysis, and ongoing guidance tailored to your personal circumstances.
Our services are consultative in nature and do not constitute specific financial product recommendations or guaranteed outcomes. Results may vary based on individual circumstances and market conditions.
Eligibility Requirements
To use our services, you must be at least 18 years old, legally capable of entering into binding agreements, and not prohibited from using our services under applicable laws. You are responsible for ensuring that your use of our services complies with all applicable local, national, and international laws and regulations.
Ecliphentora financial planning subscription service logo: Ecliphentora financial planning subscription service logo
User Responsibilities and Obligations
As a user of our services, you agree to the following responsibilities:
- Provide accurate and complete information during consultations and in all communications
- Maintain the confidentiality of your account information and notify us immediately of any unauthorized use
- Use our services only for their intended purpose and in accordance with these terms
- Pay all subscription fees and charges associated with your use of our services in a timely manner
- Respect the intellectual property rights of Ecliphentora and third parties
Prohibited Uses and Activities
You may not use our services for any of the following prohibited activities:
- Any illegal, fraudulent, or unauthorized purposes
- Attempting to gain unauthorized access to our systems, other user accounts, or computer networks
- Distributing viruses, malware, or other harmful computer code
- Harassing, threatening, or defaming other users or our staff
- Using our services to compete with our business or develop competing services
Payment Terms and Subscription Details
Our subscription service operates on a monthly recurring payment basis. By subscribing, you authorize us to charge your designated payment method monthly until you cancel your subscription. Payment terms include:
- Monthly subscription fee of £250 plus applicable VAT, charged in advance
- Automatic renewal unless cancelled with 7 days notice before the next billing cycle
- No refunds for partial months, but you may cancel at any time to prevent future charges
Intellectual Property Rights
All content, materials, trademarks, and intellectual property associated with Ecliphentora and our services are owned by us or our licensors and are protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission. Your subscription grants you a limited, non-exclusive right to access and use our services for personal purposes only.
Privacy and Data Protection
We are committed to protecting your privacy and handling your personal information responsibly. Our collection, use, and protection of your personal data are governed by our comprehensive Privacy Policy.
For detailed information about our privacy practices, please review our Privacy Policy, which forms an integral part of these Terms and Conditions
Service Disclaimers
Our services are provided "as is" without warranties of any kind. We make no guarantees about specific financial outcomes, and individual results may vary significantly based on personal circumstances, market conditions, and external factors beyond our control.
Financial planning involves risk. The value of consultations and advice may vary based on individual circumstances. Past performance does not guarantee future results.
Past performance does not guarantee future results.
Limitation of Liability
To the maximum extent permitted by law, Ecliphentora and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.
Our total liability to you for any claims arising from our services shall not exceed the amount you have paid for subscription services in the 12 months preceding the claim.
Indemnification Agreement
You agree to indemnify, defend, and hold harmless Ecliphentora and its affiliates from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.
Dispute Resolution Information
In the event of disputes arising from these terms or our services, we encourage resolution through the following mechanisms:
Arbitration Process
Most disputes can be resolved through good faith negotiation. If direct resolution is not possible, disputes may be subject to binding arbitration under English law:
- Arbitration shall be conducted in London, England, under English arbitration rules
- The arbitrator's decision shall be final and binding on both parties
- Each party shall bear their own costs unless otherwise determined by the arbitrator
European Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for consumer disputes
https://ec.europa.eu/consumers/odr
We are not obligated to participate in alternative dispute resolution but may choose to do so voluntarily
Termination of Services
Either party may terminate the subscription service at any time. You may cancel your subscription through your account settings or by contacting us directly. We reserve the right to terminate or suspend services for violation of these terms.
Upon termination, your access to services will end, but these terms shall remain in effect regarding past use and any outstanding obligations.
Governing Law and Jurisdiction
These Terms and Conditions are governed by English law, and any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where consumer protection laws provide otherwise.
Severability Provision
If any provision of these terms is found to be unenforceable or invalid, that provision shall be deemed severed from the agreement, and the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and any additional terms for specific services, constitute the entire agreement between you and Ecliphentora regarding your use of our services.
Changes to These Terms
We reserve the right to modify these Terms and Conditions at any time. We will notify users of significant changes through email or website notices. Continued use of our services after changes constitutes acceptance of the updated terms.
We recommend reviewing these terms periodically to stay informed of any updates that may affect your use of our services
Questions About These Terms
If you have questions or concerns about these Terms and Conditions, please contact us at info@ecliphentora.com or +44 121 4918 5471
Last updated: August 7, 2025
Version 2.1