Terms and Conditions

Agreement to Terms

By accessing and using the baltheroniva website and services, you accept and agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you and baltheroniva Financial Planning Ltd, a company registered in England and Wales.

If you do not agree to these terms, please do not use our website or services. Your continued use of our website following any changes to these terms constitutes acceptance of those changes.

Use of Our Services

Our website and consultation services are provided subject to the following terms and conditions:

Eligibility Requirements

You must be at least 18 years of age and have the legal capacity to enter into binding agreements to use our services.

Your Responsibilities

• Provide accurate and complete information during consultations and on forms
• Maintain the confidentiality of any account information or access credentials
• Use our services only for lawful purposes and in accordance with these terms

Prohibited Uses

You may not use our website or services for any of the following purposes:

• Any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To transmit or procure the sending of any advertising or promotional material without our prior consent
• To impersonate or attempt to impersonate baltheroniva, our employees, other users, or any other person or entity
• To engage in any other conduct that restricts or inhibits anyone's use of the website

Intellectual Property Rights

The content, organisation, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to our website are protected under applicable copyrights, trademarks, and other proprietary rights.

You may not copy, reproduce, distribute, publish, display, perform, modify, create derivative works, transmit, or in any way exploit any part of our website or services without our express written permission.

User-Generated Content

By submitting content through our website or services, you grant us a non-exclusive, worldwide, royalty-free licence to use, reproduce, modify, and distribute such content for the purpose of providing our services.

You represent and warrant that any content you provide is accurate, does not violate any third-party rights, and complies with applicable laws and these terms.

Privacy

Your privacy is important to us. Please review our Privacy Policy, which governs the collection, use, and disclosure of personal information when you use our services. Privacy Policy

Service Disclaimers

Our consultation services are provided for informational and guidance purposes only and do not constitute professional financial advice as defined by UK financial services regulations.

We make no representations or warranties regarding the accuracy, reliability, or completeness of any information provided through our services.

Limitation of Liability

To the maximum extent permitted by applicable law, baltheroniva shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

Our total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing or using our services during the twelve months immediately preceding the event giving rise to such liability.

Indemnification

You agree to defend, indemnify, and hold harmless baltheroniva and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your use of our services.

Dispute Resolution

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

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms and Conditions.

Upon termination, your right to use our services will cease immediately, though certain provisions of these terms will survive termination.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales, and you submit to the exclusive jurisdiction of the courts of England and Wales for the resolution of any disputes.

Changes to Terms

We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. If a revision is material, we will make reasonable efforts to provide at least 30 days notice prior to any new terms taking effect.

Your continued use of our services after any such changes constitutes acceptance of the new Terms and Conditions.

Severability

If any provision of these Terms and Conditions is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect and the invalid or unenforceable provision will be deemed modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and baltheroniva regarding your use of our services.

Contact Information

If you have any questions about these Terms and Conditions, please contact us: