Terms and Conditions

Service Agreement

These Terms and Conditions govern your use of osquilarion's financial planning subscription service and website. By accessing our services, you agree to be bound by these terms.

Your continued use of our services constitutes acceptance of these terms and any future modifications we may make.

Definitions

For the purposes of these Terms and Conditions:

  • Service: Refers to the financial planning consultation and guidance provided through our subscription platform
  • User/Client: Any individual who subscribes to or uses our financial planning services
  • Platform: Our website, consultation tools, and related digital services
  • Subscription: The recurring payment arrangement for access to our financial planning services

Service Usage Guidelines

Your use of our services is subject to the following conditions:

Permitted Uses

  • Accessing consultations and planning guidance for personal financial matters
  • Using provided tools and resources for legitimate planning purposes
  • Communicating with our planning team through approved channels

Prohibited Activities

  • Sharing account access credentials with unauthorized individuals
  • Using our services for illegal or fraudulent activities
  • Attempting to reverse engineer or copy our proprietary methods
  • Harassing or threatening our staff or other users

User Responsibilities

As a user of our services, you are responsible for:

  • Providing accurate and complete information during consultations
  • Maintaining the confidentiality of your account credentials
  • Complying with all applicable laws and regulations
  • Promptly notifying us of any unauthorized account access

Intellectual Property Rights

All content, tools, methodologies, and materials provided through our service remain the intellectual property of osquilarion. You may not reproduce, distribute, or create derivative works without express written permission.

Your license to use our service is personal, non-transferable, and limited to the scope of your subscription agreement.

Payment Terms and Billing

The following terms apply to all subscription payments:

  • Subscription Fees: Monthly subscription fees are charged in advance and are non-refundable except as specified in our refund policy
  • Payment Processing: Payments are processed automatically on your billing date using your designated payment method
  • Fee Changes: We reserve the right to modify subscription fees with 30 days advance notice
  • Failed Payments: Service may be suspended if payment cannot be processed after reasonable retry attempts

Service Termination

This agreement may be terminated under the following circumstances:

  • By you at any time by canceling your subscription through your account settings
  • By us for violation of these terms or inappropriate use of our services
  • By either party with 30 days written notice for any reason

Limitation of Liability

To the maximum extent permitted by law, osquilarion shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.

Our total liability to you for any claims related to our services shall not exceed the amount you paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless osquilarion from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Binding Arbitration

Any disputes arising from these terms or our services shall be resolved through binding arbitration rather than in court.

  • Arbitration will be conducted under the rules of the American Arbitration Association
  • The arbitration will take place in the state of our principal business operations
  • Each party will bear their own costs and fees unless otherwise determined by the arbitrator

EU Online Dispute Resolution

For European Union residents, we participate in the EU Online Dispute Resolution platform.

You can access the ODR platform at ec.europa.eu/consumers/odr

Governing Law

These terms are governed by the laws of the United States and the state of our principal business operations, without regard to conflict of law principles.

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 constitute the entire agreement between you and osquilarion regarding our services and supersede all prior agreements and understandings.

Modifications to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated through email or prominent website notice.

Continued use of our services after changes take effect constitutes acceptance of the modified terms.

Questions About These Terms

If you have questions about these Terms and Conditions, please contact us using the information provided in our Contact section.

Email: contact@osquilarion.com

Phone: +1 (624) 210-249

Address: 1247 Financial District Boulevard, Chicago, IL

Last updated: August 4, 2025

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