Agreement to Terms

By accessing and using the cabilunoveraaora website and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. These terms constitute a legally binding agreement between you and cabilunoveraaora regarding your use of our savings plan services and educational resources.

If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

Service Description and Limitations

cabilunoveraaora provides educational content and savings plan guidance through our website and learning programs. Our services are designed to help individuals understand financial planning principles and develop sustainable savings strategies.

What We Provide

• Educational content about personal finance and savings strategies
• Learning programs scheduled for autumn 2025 and early 2026
• Resources for developing financial literacy and planning skills
• Support materials for understanding UK financial regulations and opportunities
• Community access to like-minded individuals pursuing financial education

Service Limitations

We do not provide specific financial advice, guaranteed investment returns, or personalised financial planning services. Our content is educational in nature and should not be considered as professional financial advice. Individual results from our programs may vary based on personal circumstances, commitment level, and market conditions.

User Responsibilities and Conduct

As a user of cabilunoveraaora services, you agree to use our website and materials responsibly and in accordance with these guidelines. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

• Provide accurate and complete information when registering for services or programs
• Use our educational materials for personal learning purposes only
• Respect intellectual property rights and refrain from unauthorised copying or distribution
• Maintain appropriate conduct in any community forums or group activities
• Report any technical issues or concerns to our support team promptly
• Comply with all applicable UK laws and regulations while using our services

Privacy and Data Protection

We are committed to protecting your privacy and personal information in accordance with UK data protection laws, including GDPR compliance. We collect and process personal data only as necessary to provide our services and improve your learning experience.

Information Collection

We may collect personal information including name, email address, contact details, and learning preferences when you register for our programs or use our website. This information helps us customise your educational experience and communicate important updates about our services.

Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Intellectual Property Rights

All content, materials, and resources provided through cabilunoveraaora services are protected by copyright, trademark, and other intellectual property laws. This includes but is not limited to text, graphics, logos, images, audio clips, video content, and software.

• You may access and use our materials for personal educational purposes only
• Commercial use, reproduction, or distribution requires written permission
• You may not modify, adapt, or create derivative works from our content
• Screenshots or recordings of our learning programs are prohibited
• Sharing login credentials or course access with others is not permitted

We respect the intellectual property rights of others and expect our users to do the same. If you believe that any content on our website infringes your intellectual property rights, please contact us with detailed information about the alleged infringement.

Payment Terms and Refund Policy

Payment for our learning programs and services is required in advance and processed through secure payment systems. We accept major credit cards and bank transfers for UK residents.

Pricing and Payment

Program fees are clearly stated during the enrolment process and must be paid in full before access is granted. Prices are subject to change, but any changes will not affect programs already purchased. Payment processing is handled by third-party providers who maintain their own terms of service and privacy policies.

Refund Policy

We offer a 14-day cooling-off period for program enrolments, during which you may request a full refund if you have not accessed more than 20% of the course materials. Refund requests must be submitted in writing and will be processed within 30 days of approval. Certain downloadable resources and personalised consultations are non-refundable.

Disclaimers and Limitations of Liability

While we strive to provide accurate and useful educational content, we make no warranties about the completeness, reliability, or suitability of our materials for any particular purpose. Your use of our services is at your own risk.

We do not guarantee any specific financial outcomes or results from our educational programs. Success in financial planning depends on many factors including personal circumstances, market conditions, and individual effort. Past performance or examples shared in our materials do not guarantee future results.

Modifications and Termination

cabilunoveraaora reserves the right to modify these Terms of Use at any time without prior notice. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new terms.

We may terminate or suspend your access to our services at any time, with or without cause, and without prior notice. Upon termination, your right to use our services ceases immediately, though these terms will remain in effect regarding your prior use of our services.

Service Availability

We aim to provide continuous access to our services but cannot guarantee uninterrupted availability. Scheduled maintenance, technical difficulties, or circumstances beyond our control may result in temporary service interruptions. We will make reasonable efforts to provide advance notice of planned maintenance.