Important Disclaimers and Legal Information

General Service Disclaimers

The financial planning advice and consultations provided by Ravionthesula are based on general principles and your specific circumstances as disclosed to us. Our recommendations should be considered alongside your complete financial picture, which may include factors not discussed during consultations.

While we maintain professional standards and draw on 6 years of experience serving 2378 clients, financial markets and personal circumstances change unpredictably. What works well today may require adjustment tomorrow, and we encourage ongoing dialogue about your evolving needs.

Limitations of Liability

Our liability is limited to the extent permitted by UK law, specifically excluding certain types of damages and circumstances beyond our reasonable control.

• We cannot be held responsible for market movements, economic changes, or regulatory shifts that impact your financial outcomes
• Indirect, consequential, or speculative damages are excluded from our liability coverage
• Our maximum liability is limited to the subscription fees paid in the 12 months preceding any claim
• We are not liable for delays or failures caused by circumstances beyond our reasonable control

Information Accuracy and Currency

We strive to provide accurate, current information during all consultations and written communications. However, financial regulations, tax rules, and market conditions change frequently, sometimes without advance notice.

You should verify all information independently and consider seeking additional professional opinions for complex financial decisions. We update our knowledge base regularly but cannot guarantee real-time accuracy of all external factors affecting your finances.

Financial Planning Specific Disclaimers

Our financial planning consultations provide general guidance and analytical reviews rather than specific product recommendations or direct asset management services. We focus on helping you understand your options rather than directing specific transactions.

The value of financial assets can fluctuate significantly, and past performance across any time period does not indicate future results. Economic conditions, market volatility, and personal circumstances all influence financial outcomes in unpredictable ways.

• All financial decisions carry inherent risks that cannot be eliminated through planning alone
• Tax implications vary based on individual circumstances and current legislation
• Regular review and adjustment of financial plans is essential as circumstances change

Third-Party Resources and External Links

Our website and consultations may reference external resources, third-party websites, or other service providers. These references are provided for your convenience and do not constitute endorsements of their services or accuracy of their information.

We have no control over third-party content and cannot be responsible for their privacy policies, terms of service, or the accuracy of information they provide. Always review external sites independently before acting on their information.

Scope of Professional Advice

While our team has extensive experience in financial planning, our consultations should not replace specialised legal, tax, or accounting advice for complex situations. We recommend consulting appropriate specialists for matters requiring specific professional qualifications.

Our role focuses on general financial planning, analytical reviews, and helping you understand various approaches to money management. For detailed legal structures, complex tax planning, or specific regulatory compliance, seek appropriate professional guidance.

Individual Results and Outcomes

Individual results may vary significantly based on personal circumstances, market conditions, and implementation of recommendations

Your financial outcomes depend on numerous factors including your starting position, risk tolerance, market conditions, and how consistently you implement planning strategies. We cannot guarantee specific results or timelines for achieving financial goals.

Jurisdiction and Governing Law

These disclaimers and our service relationship are governed by UK law and subject to the jurisdiction of UK courts.

Client Indemnification

You agree to indemnify Ravionthesula against claims arising from your misuse of our services, provision of inaccurate information, or failure to disclose material changes in your financial circumstances that could affect our recommendations.

Severability of Disclaimers

If any part of these disclaimers is deemed unenforceable, the remaining provisions continue in full effect. We reserve the right to update these disclaimers to reflect changes in law or service offerings.

Questions About These Disclaimers

If you need clarification about any of these disclaimers or their application to your situation, please contact us using the information below.