Terms and Conditions
Last updated: August 31, 2025
Acceptance of Terms
By accessing and using our 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 Ivandrosqueti
Definitions
For the purposes of these terms, the following definitions apply:
- Service: Our financial planning subscription service including consultations, guidance, and ongoing support
- User/Client: Any individual who accesses or uses our website or subscribes to our services
- Content: All materials, information, and resources provided through our website and services
- Account: Your subscription account and associated personal information
Use of Our Services
Your use of our services is subject to the following conditions:
Permitted Uses
- Accessing our services for legitimate financial planning purposes
- Using provided information for personal financial decision-making
- Communicating with our team regarding your subscription
Prohibited Uses
- Sharing account access or login credentials with third parties
- Using our services for unlawful or fraudulent activities
- Attempting to access unauthorized areas of our systems
- Reproducing or distributing our proprietary content without permission
User Responsibilities
As a user of our services, you agree to:
- Provide accurate and complete information for effective service delivery
- Maintain the confidentiality of your account credentials
- Notify us promptly of any changes to your circumstances
- Comply with all applicable laws and regulations
Intellectual Property
All content, materials, and intellectual property on our website remain the exclusive property of Ivandrosqueti.
We grant you a limited, non-exclusive license to use our services for personal purposes only
You retain ownership of information you provide but grant us license to use it for service delivery
Privacy
Your privacy is important to us, and our privacy practices are detailed in our Privacy Policy.
By using our services, you also agree to our Privacy Policy terms Privacy Policy
Payment Terms
Subscription fees and payment terms are as follows:
- Monthly subscription fee of £250 including VAT, payable in advance
- Payments are processed automatically on your subscription anniversary date
- Failed payments may result in service suspension until payment is resolved
Service Disclaimers
Our services are provided 'as is' without warranties of any kind, express or implied
We make no guarantees about specific outcomes or results from using our services
Past performance does not guarantee future results
Individual results may vary
Limitation of Liability
Our liability to you is limited to the maximum extent permitted by law. We are not liable for indirect, incidental, or consequential damages.
Our maximum liability shall not exceed the amount paid for services in the 12 months preceding any claim
Indemnification
You agree to indemnify us against any claims arising from your use of our services or violation of these terms.
Complaint Resolution
We are committed to resolving any concerns promptly and fairly through established procedures.
Dispute Resolution
Disputes will be resolved through the following process:
- Initial attempt at informal resolution through direct communication
- Formal mediation if informal resolution is unsuccessful
- Binding arbitration as a final resort for unresolved disputes
EU Online Dispute Resolution
EU residents may access the Online Dispute Resolution platform for cross-border disputes
Access EU ODR platform: ec.europa.eu/consumers/odr
Termination
Either party may terminate the service agreement with 30 days written notice
Upon termination, access to services will cease, but these terms remain in effect for outstanding obligations
Governing Law
These terms are governed by the laws of England and Wales
Any legal proceedings will be subject to the exclusive jurisdiction of English courts
Changes to Terms
We may modify these terms at any time by posting updated terms on our website
Continued use of our services after changes constitutes acceptance of modified terms
Severability
If any provision is deemed invalid, the remaining provisions continue in full force and effect
Entire Agreement
These terms constitute the entire agreement between you and Ivandrosqueti
Contact Information
For questions about these terms, contact us at info@ivandrosqueti.com or +44 121 5741 0115