Terms & Conditions

No Authorisation: Illora Ltd is a financial coaching and educational platform. We are not authorised or regulated by the Financial Conduct Authority (FCA).

No Regulated Advice: None of the educational content, articles, or interactive calculator outputs provided on this Site constitute regulated financial, investment, tax, or legal advice.

No Personal Recommendations: We provide high-level structural options and financial education to help you evaluate your choices. We do not provide personal recommendations. We will never evaluate your personal suitability for a specific financial product, nor will we advise you to buy, sell, or transfer specific funds, pensions, or insurance policies.

Independent Responsibility: The primary goal of our coaching framework is to explain general financial concepts. You remain fully responsible for any financial decisions you choose to make. If you need specific transactional guidance, we strongly recommend consulting a qualified, FCA-regulated Independent Financial Adviser (IFA) before executing any financial changes.

No Guarantee of Access: Entry onto the waitlist is entirely voluntary and does not guarantee that you will be granted early access, beta testing privileges, or a subscription account upon our formal launch.

No Fiduciary Obligation: Joining the waitlist does not establish a fiduciary, professional, or client-adviser relationship of any kind between you and Illora.

Waitlist Management: To ensure we deliver high-quality updates and maintain the integrity of our communications, Illora reserves the right to manage our waitlist data. We may occasionally remove inactive or unverified email addresses to optimize platform deliverability.

Illustrative & Hypothetical Nature: All calculations, ratios, compound interest projections, and graphical outputs generated by these tools are strictly illustrative, theoretical, and hypothetical. They rely on generalized mathematical logic and standardized base assumptions.

The Snapshot Rule: The tools provide a single, point-in-time reflection based on the variables inputted by you and current fixed tax thresholds or historical market averages. They do not represent a complete financial plan, a cashflow suitability test, or a guarantee of future returns.

Static Assumptions: These tools are not dynamically integrated with real-time market data or changing macroeconomic conditions. They will not automatically update to reflect shifting interest rates, evolving legislative tax rules, or unexpected market volatility. You must not rely on these illustrative figures to execute real-world financial commitments.

No Endorsement: These links are provided solely as an educational convenience. Illora does not control, audit, review, monitor, or endorse the content, financial models, accuracy, safety, or privacy protocols implemented by these third-party operators.

High-Risk & Debt Guidance: If you utilize this Site while navigating severe debt, insolvency, or immediate financial distress, our materials may point you toward specialized, free debt assistance resources (such as StepChange or the Money and Pensions Service). Illora is not an authorized debt counselor or debt management advisor. Engaging with any external charity, provider, or platform is done entirely at your own risk, and your interactions will be governed by their respective terms of service.

Platform 'As Is': The site and all accessible educational content are provided on an 'as is' and 'as available' basis to support your independent financial research. We do not provide express or implied warranties regarding continuous uptime or real-time legal updates.

Educational Use Only: Financial markets and tax legislations fluctuate rapidly; we do not warrant that our information is continuously accurate or compliant with real-time legal updates.

Statutory Carve-Outs: Nothing in these Terms shall limit or exclude Illora Ltd's liability for fraud, fraudulent misrepresentation, or death or personal injury caused directly by our proven negligence, or any other liability which cannot be lawfully excluded or limited under the UK Consumer Rights Act 2015.

Liability Limit: Because this pre-launch Site, its waitlist infrastructure, and its calculators are provided to the public completely free of charge, Illora Ltd shall not be held liable for any financial losses or investment damages arising from your reliance on our educational tools. You acknowledge that our total cumulative financial liability to you for any legal claims shall be strictly capped at a maximum of £100.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force.

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Illora.

No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.