Terms and Conditions
Agreement Terms
These Terms and Conditions govern your use of Zypharaloxe's financial planning subscription service and website. By subscribing to our service, you agree to be bound by these terms.
September 8, 2025
Your continued use of our services constitutes acceptance of any updated terms
Definitions
For the purposes of these Terms and Conditions, the following definitions apply
- • "Service": The monthly financial planning subscription service provided by Zypharaloxe, including consultations and ongoing support
- • "Client" or "You": Any individual who subscribes to our service and agrees to these terms
- • "Consultation": Scheduled sessions between clients and our qualified financial planning professionals
- • "Subscription": The monthly recurring service agreement for financial planning guidance
Service Usage
Our financial planning subscription service is designed to provide ongoing guidance and support for your financial decisions through regular consultations and email support.
Eligibility Requirements
Our service is available to UK residents aged 18 and over who have legal capacity to enter into financial agreements
Account Registration
You must provide accurate and complete information during registration and keep your account details updated
Your Responsibilities
As a client, you agree to the following responsibilities
- • Provide accurate and complete information about your financial situation
- • Attend scheduled consultations or provide reasonable notice of cancellation
- • Maintain confidentiality of any login credentials or account information
- • Comply with all applicable laws and regulations
- • Treat our staff with respect and professionalism
Prohibited Activities
You may not use our service for any of the following purposes
- • Any illegal or unauthorised activities
- • Attempting to gain unauthorised access to our systems
- • Sharing account access with unauthorised third parties
- • Using our service to provide advice to others commercially
- • Interfering with the proper functioning of our website or services
Intellectual Property
All content, materials, and intellectual property on our website and in our consultations remain the property of Zypharaloxe.
This includes but is not limited to text, graphics, logos, planning templates, and methodologies
You may not reproduce, distribute, or create derivative works without written permission
Privacy and Data Protection
We are committed to protecting your personal information in accordance with UK GDPR and applicable privacy laws.
For detailed information about data processing, please review our Privacy Policy
Payment and Billing
Our subscription service operates on a monthly billing cycle with payment due in advance
Subscription Terms
Monthly subscription fee of £250 (including VAT at 20%) covers consultations and ongoing support
Payments are automatically charged on the same date each month unless cancelled
You may cancel your subscription at any time with 30 days' written notice
Service Disclaimers
While we strive to provide high-quality financial planning guidance, we cannot guarantee specific outcomes or results
Our service is provided "as is" without warranties of any kind, express or implied
Limitation of Liability
To the maximum extent permitted by law, our liability is limited to the amount you have paid for our service in the 12 months preceding any claim.
We exclude liability for indirect, consequential, or punitive damages
User Indemnification
You agree to indemnify Zypharaloxe against claims arising from your breach of these terms
Online Dispute Resolution
We are committed to resolving disputes fairly and efficiently through the following mechanisms
UK Arbitration
Disputes may be resolved through arbitration under the rules of the Chartered Institute of Arbitrators
Arbitration proceedings will be conducted in English and located in London
EU Online Dispute Resolution
EU residents can access the European Commission's Online Dispute Resolution platform
Available at ec.europa.eu/consumers/odr EU ODR Platform
Our registered email for EU disputes: info@zypharaloxe.com: contact@zypharaloxe.com
Termination of Service
Either party may terminate the subscription agreement with appropriate notice as specified in the cancellation policy.
Upon termination, you will retain access to services until the end of your current billing period
Governing Law
These terms are governed by and construed in accordance with the laws of England and Wales
Any legal proceedings will be subject to the exclusive jurisdiction of English courts
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Zypharaloxe regarding use of our services.
Changes to Terms
We may update these terms periodically to reflect changes in our services or legal requirements.
Significant changes will be communicated via email and posted on our website
Contact Details
For questions about these terms, contact us at info@zypharaloxe.com or +44 7911 2873 9711
Email: contact@zypharaloxe.com
Phone: +44 7911 2873 9711
Address: 20 Colmore Circus Queensway, Birmingham B4 6AT, United Kingdom
Last updated: August 9, 2025
By using our service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions