Terms and Conditions of Service

Service Agreement Introduction

These terms and conditions govern your use of pranovalthyreo financial planning subscription services and establish the legal relationship between you and our company.

By using our services, you agree to comply with and be bound by these terms and conditions

These terms were last updated on September 8, 2025

Important Definitions and Terms

The following definitions apply throughout these terms and conditions.

• "Service" or "Services": Refers to our financial planning subscription service, consultations, analysis, and related support provided through our platform
• "User" or "Client": Any individual who subscribes to or uses our financial planning services
• "Platform": Our website, mobile applications, and any other digital channels through which we deliver our services
• "Content": All information, analysis, recommendations, and materials provided through our services

Acceptable Use of Our Services

Our services are designed to provide financial planning assistance within specific parameters and usage guidelines.

Service Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. Our services are primarily intended for UK residents.

Your Account Responsibilities

• Provide accurate and complete information about your financial situation
• Maintain the confidentiality of your account credentials
• Notify us promptly of any changes to your contact information
• Use our services only for lawful purposes related to financial planning

Prohibited Service Uses

The following activities are strictly prohibited when using our services.

• Using our services for illegal activities or fraudulent purposes
• Sharing your account access with unauthorised third parties
• Attempting to circumvent our security measures or access restrictions
• Using our platform to spam, harass, or abuse other users or staff
• Reverse engineering or attempting to copy our proprietary systems
• Providing false or misleading information about your financial situation

Intellectual Property Rights

All content, software, analysis methods, and materials provided through our services are protected by intellectual property laws and remain the exclusive property of pranovalthyreo.

You may not reproduce, distribute, modify, or create derivative works from our proprietary content without explicit written permission

User-Generated Content and Information

When you provide information through our services, you retain ownership of your personal and financial information while granting us necessary rights to provide our services.

You grant us a limited licence to use your information solely for the purpose of delivering financial planning services and analysis

You are responsible for ensuring that all information you provide is accurate, complete, and does not violate any third-party rights

Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information in accordance with applicable data protection laws.

For detailed information about our privacy practices, please refer to our Privacy Policy

Service Disclaimers and Limitations

Our services are provided subject to the following important disclaimers and limitations.

We provide our services "as is" without warranties of any kind, and we do not guarantee specific financial outcomes or results

Limitation of Liability

To the maximum extent permitted by law, our liability for any damages arising from your use of our services is limited as follows:

• Our total liability shall not exceed the amount you paid for our services in the 12 months preceding the claim
• We shall not be liable for any indirect, consequential, or punitive damages
• We exclude liability for losses arising from market volatility or external economic factors

User Indemnification Obligations

You agree to indemnify and hold harmless pranovalthyreo from any claims, damages, or expenses arising from your use of our services or breach of these terms.

Service Termination Provisions

Either party may terminate the service relationship in accordance with the subscription terms, typically with 30 days' notice.

Upon termination, your access to our services will cease, though certain provisions of these terms shall survive termination

Dispute Resolution Procedures

We are committed to resolving any disputes fairly and efficiently through the following procedures.

Governing Law and Jurisdiction

These terms are governed by English and Welsh law, and any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Users from Scotland or Northern Ireland acknowledge that English and Welsh law governs these terms

Severability of Terms

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

Complete Agreement

These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and pranovalthyreo regarding our services.

Modifications to Terms

We reserve the right to modify these terms at any time to reflect changes in our services or legal requirements.

Material changes will be communicated through email or prominent website notices at least 30 days before taking effect

Terms and Conditions Contact

If you have questions about these terms and conditions, please contact us using the information provided below.