Terms and Conditions of Service

Acknowledgment and Acceptance

By engaging our consultation services or using our website, you acknowledge that you have read, understood, and agree to be bound by these disclaimers. These terms complement our Terms of Service and Privacy Policy.

Your use of our services constitutes acceptance of these terms and creates a legally binding agreement between you and phorosidraen.

Key Terms and Definitions

The following definitions apply throughout these Terms and Conditions:

• Service: Our financial planning consultation services, website, and all related offerings provided by phorosidraen
• User/Client: Any individual or entity that engages our consultation services or accesses our website
• Content: All information, advice, materials, and resources provided through our services
• Account: Your client account with phorosidraen, including subscription and consultation records

Authorized Use of Our Services

Our financial planning consultation services are provided for legitimate financial planning purposes only. You agree to use our services responsibly and in accordance with applicable laws and professional standards.

Your Responsibilities as a Client

To ensure effective service delivery and maintain professional standards, you agree to:

• Provide accurate, complete information relevant to your financial planning consultation
• Maintain confidentiality of any proprietary methods or materials shared during consultations
• Pay all fees according to the agreed schedule and terms for your selected service plan
• Comply with all applicable laws and regulations in your jurisdiction

Prohibited Uses and Activities

The following activities are strictly prohibited when using our services:

• Sharing, reselling, or distributing our proprietary consultation content or methodologies
• Using our services for any illegal, fraudulent, or deceptive purposes
• Attempting to gain unauthorized access to our systems, accounts, or confidential information
• Harassing, threatening, or inappropriate behavior toward our staff or other clients
• Misrepresenting your identity, financial situation, or intentions for using our services

Intellectual Property Rights

All content, materials, methodologies, and proprietary systems used in our consultation services are owned by phorosidraen or our licensors and are protected by intellectual property laws.

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

Privacy Policy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information in connection with our services.

The Privacy Policy is incorporated into these Terms by reference and governs all data handling practices. Privacy Policy

Service Disclaimers and Limitations

Our consultation services are provided on an "as is" basis, and we make no warranties or guarantees about specific outcomes or results from implementing our recommendations.

Limitation of Liability

Our total liability for any claims arising from our services is limited to the amount paid for the specific consultation service in question.

We exclude liability for indirect, consequential, punitive, or special damages, even if we have been advised of the possibility of such damages.

Client Indemnification

Clients agree to indemnify and hold phorosidraen harmless from any claims, losses, or damages arising from their use of our consultation services, except in cases of our gross negligence or willful misconduct.

Resolving Disputes

We prefer to resolve any issues through direct communication and mutual agreement. If formal dispute resolution becomes necessary, the following procedures apply:

Termination of Services

Either party may terminate the service relationship with appropriate notice. We reserve the right to terminate services immediately for violations of these Terms.

Upon termination, your access to ongoing consultation services will cease, though completed consultation records will be retained according to our Privacy Policy.

Applicable Law

These Terms are governed by the laws of the United States and the state where our services are primarily provided.

Any legal proceedings will be conducted in the appropriate courts of that jurisdiction.

Severability of Terms

If any portion of these disclaimers is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect. Invalid sections will be modified to the minimum extent necessary to achieve enforceability.

Complete Agreement

These Terms, together with our Privacy Policy and Disclaimers, constitute the complete agreement between you and phorosidraen regarding our services.

Modifications to Terms

We may update these Terms periodically to reflect changes in our services, legal requirements, or business practices.

We will provide notice of material changes through our website and via email to active clients before the changes take effect.

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