Terms and Conditions
These terms govern your use of Ravionthesula's financial planning subscription service and website. Please read them carefully before subscribing.
Last updated: September 1, 2025
Acceptance of Terms
By subscribing to our services or using this website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please do not use our services.
These terms constitute a legally binding agreement between you and Ravionthesula Financial Planning Limited, a company registered in England and Wales.
Service Description
Our financial planning subscription service provides monthly consultations, analytical reviews, and strategic guidance for £250 per month including VAT. Services are provided on an ongoing monthly basis until cancelled by either party.
We focus on general financial planning guidance rather than specific product sales or direct asset management. Our role is to provide analytical reviews and consultation to help you make informed financial decisions.
Your Responsibilities
As a subscriber, you have certain responsibilities to ensure the effectiveness of our service relationship.
- Provide accurate and complete information about your financial situation
- Inform us promptly of any significant changes in your circumstances
- Pay subscription fees on time and maintain current payment information
- Use our advice responsibly and seek additional professional opinions when appropriate
- Maintain confidentiality of any proprietary planning methods we share
Prohibited Uses
You may not use our services or website for any unlawful purpose or in any way that could damage our business or reputation.
- Sharing login credentials or subscription access with unauthorised parties
- Using our advice to provide financial planning services to third parties
- Attempting to reverse-engineer our proprietary planning methodologies
- Engaging in any activity that could harm our systems or other users
Intellectual Property
All content, methodologies, and materials provided through our service remain the intellectual property of Ravionthesula Financial Planning Limited. You may use them for your personal financial planning but not for commercial purposes.
You retain ownership of any personal financial information you share with us, though you grant us the right to use this information to provide our services effectively.
Privacy Policy
Our Privacy Policy, which forms part of these terms, explains how we collect, use, and protect your personal information Privacy Policy
Payment Terms
Subscription fees of £250 per month are charged in advance and include VAT at the current rate. Payments are processed automatically using your chosen payment method on the same date each month.
Failed payments may result in service suspension after a 7-day grace period. Additional charges may apply for payment processing failures or chargebacks initiated without valid cause.
Representative APR varies by payment method; standard rate is 0% APR for monthly subscriptions
Service Termination
Either party may terminate the subscription with 30 days written notice. You will have access to services through the end of your current billing period after cancellation.
We may terminate your subscription immediately for breach of these terms, non-payment after the grace period, or if continuing the relationship becomes impractical due to changing circumstances.
Service Disclaimers
Our financial planning advice is based on information you provide and general market conditions. We cannot guarantee specific outcomes or returns, and all financial decisions carry inherent risks.
Past performance does not guarantee future results. Individual results may vary significantly based on personal circumstances, market conditions, and implementation of recommendations.
Services are provided "as is" without warranties of any kind, though we maintain professional standards and appropriate insurance coverage
Limitation of Liability
Our liability is limited to the subscription fees paid in the 12 months preceding any claim. We are not liable for indirect, consequential, or speculative damages arising from use of our services.
This limitation applies to the fullest extent permitted by UK law, except for death, personal injury, fraud, or other matters where liability cannot be legally limited.
Client Indemnification
You agree to indemnify us against claims arising from your misuse of our services or breach of these terms
Dispute Resolution
We encourage direct communication to resolve any disputes, but formal procedures are available if needed
Arbitration Process
Disputes that cannot be resolved directly may be submitted to binding arbitration under the Arbitration Act 1996, with proceedings conducted in London under English law.
Arbitration decisions are final and binding, though you retain the right to pursue claims in small claims court for amounts within the court's jurisdiction.
EU Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for service-related complaints
Governing Law and Jurisdiction
English and Welsh law governs these disclaimers and our service terms
Changes to Terms
We may update these terms periodically to reflect changes in our services or applicable law. Significant changes will be communicated by email at least 30 days before taking effect.
Continued use of our services after term changes constitutes acceptance of the updated terms. If you disagree with changes, you may cancel your subscription.
Severability of Disclaimers
If any provision of these terms is deemed unenforceable, the remaining provisions continue in full effect
Entire Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Ravionthesula regarding our services
Contact Information
For questions about these terms, contact us at info@ravionthesula.com or +44 20 5912 6323
Effective date: September 1, 2025
By using our services, you acknowledge that you have read and agree to these terms