Terms & Conditions of Service
These terms govern your use of Varentholixio's financial planning subscription services. Please read them carefully before engaging our services.
Last Updated: 19th August 2025
Agreement to Terms
By subscribing to our services or using our website, you agree to be bound by these terms and conditions.
This agreement creates legally binding obligations between you and Varentholixio Financial Planning Services
Service Description
Varentholixio provides subscription-based financial planning consultations and advisory services to UK residents seeking professional guidance on personal money management.
Services are provided remotely via phone, video call, and email communication, with in-person meetings available by special arrangement
Eligibility Requirements
To use our services, you must meet the following requirements:
- Be at least 18 years of age and legally capable of entering binding agreements
- Provide accurate and complete information about your financial situation
- Maintain a valid payment method for monthly subscription fees
Varentholixio financial planning footer logo: Varentholixio financial planning footer logo
Your Responsibilities
As a client, you agree to:
- Provide honest and accurate information about your financial situation and goals
- Attend scheduled consultations or provide reasonable notice of cancellations
- Pay subscription fees promptly according to the agreed schedule
- Implement recommendations at your own discretion and risk
- Notify us promptly of significant changes in your circumstances
Prohibited Activities
You may not use our services for:
- Any illegal activities or purposes that violate UK law
- Sharing confidential information with unauthorised third parties
- Attempting to reverse-engineer or copy our planning methodologies
- Harassment or inappropriate communication with our staff
- Providing false information or documentation
Intellectual Property Rights
All content, methodologies, and materials provided during our consultations remain the intellectual property of Varentholixio. You may use this information for personal financial planning but not for commercial purposes.
Website content, planning templates, and consultation materials are protected by UK copyright law
Privacy Policy - How We Protect Your Information
Data Protection
Our handling of your personal information is governed by our Privacy Policy, which forms part of this agreement
Payment Terms & Conditions
Subscription services operate under the following payment terms:
- Monthly subscription fee of £250 is charged in advance on the same date each month
- All prices include VAT at the current UK rate of 20%
- Payment failures may result in temporary service suspension until account is brought current
Service Disclaimers
Our consultations are provided for advisory purposes only. We do not guarantee specific financial outcomes, and past performance does not indicate future results. Individual results may vary based on personal circumstances and market conditions.
Past performance does not guarantee future results
Individual results may vary based on personal circumstances, market conditions, and implementation approach
Financial planning involves risk and individual circumstances vary significantly
Limitation of Liability
Our liability is limited to the monthly subscription fee paid for services. We exclude liability for indirect or consequential damages arising from use of our services.
We are not liable for losses resulting from market volatility, regulatory changes, or implementation decisions made independently by clients
Client Indemnification
You agree to indemnify Varentholixio against any claims, losses, or damages arising from your misuse of our services or breach of these terms, except where such losses result from our negligence.
Dispute Resolution Process
We are committed to resolving any disputes fairly and efficiently:
Arbitration Agreement
Disputes that cannot be resolved through direct negotiation will be submitted to binding arbitration under UK arbitration rules.
The arbitration will be conducted in London under the rules of the Chartered Institute of Arbitrators
EU Dispute Resolution
EU residents may access online dispute resolution through the European Commission's ODR platform at https://ec.europa.eu/consumers/odr
For EU residents, online dispute resolution is available through the European Commission's ODR platform: EU Online Dispute Resolution
Termination of Services
Either party may terminate the subscription with 30 days written notice. Termination is effective at the end of the current billing period.
Upon termination, you retain access to previously provided consultation materials but lose access to ongoing support services
Governing Law
These terms are governed by English and Welsh law.
UK courts have exclusive jurisdiction for any legal disputes arising from this agreement
Modifications to Terms
We may update these terms periodically to reflect changes in our services or legal requirements.
Material changes will be communicated via email at least 30 days before taking effect
Complete Agreement
These terms, together with our Privacy Policy and service-specific agreements, constitute the complete agreement between you and Varentholixio regarding our services.
Contact Information
For questions about these terms or our services, contact us at info@varentholixio.com or +44 7700 0929 8675.
Email Address: contact@varentholixio.com
Phone Number: +44 7700 0929 8675
Business Address: The Ring, Bracknell RG12 1AN, United Kingdom
Effective Date: 5th August 2025