Terms of Service

1. Introduction and Acceptance

These Terms of Service ("Terms") govern your use of the NovaLuxe Travel website (novaluxe-travel.com) and our financial services. By accessing our website or using our services, you agree to be bound by these Terms.

NovaLuxe Travel is a financial services company registered in the United Kingdom, providing accounting, tax, and financial management services to freelancers and self-employed individuals.

2. Our Services

NovaLuxe Travel provides the following services:

• Tax planning and preparation
• Bookkeeping and accounting services
• Real-time financial monitoring
• Business structure advisory
• VAT registration and management
• Personal financial planning

All services are provided in accordance with UK financial regulations and professional standards.

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years old
• Be legally authorized to conduct business in the UK
• Provide accurate and complete information
• Maintain the confidentiality of your account credentials

We reserve the right to refuse service or terminate accounts at our discretion.

4. Client Responsibilities

As a client, you agree to:

• Provide accurate and timely financial information
• Maintain proper records and documentation
• Respond promptly to requests for information
• Pay fees and charges as agreed
• Comply with all applicable laws and regulations
• Notify us of any changes to your circumstances

5. Fees and Payment

Our fees are clearly outlined in our service agreements. Payment terms include:

• Monthly subscription fees are due in advance
• Project-based fees are due as specified in the agreement
• Late payment charges may apply after 30 days
• We accept various payment methods including bank transfer and card payments

All fees are subject to VAT where applicable.

6. Professional Standards

We adhere to professional standards including:

• Chartered Institute of Management Accountants (CIMA) guidelines
• Association of Chartered Certified Accountants (ACCA) standards
• Money Laundering Regulations 2017
• Professional indemnity insurance requirements

7. Confidentiality

We maintain strict confidentiality regarding your financial information:

• All client information is kept confidential
• Information is only shared with authorized third parties as required by law
• Our staff are bound by confidentiality agreements
• We implement appropriate security measures to protect your data

8. Limitation of Liability

Our liability is limited as follows:

• We maintain professional indemnity insurance
• Our liability is limited to the amount of fees paid for the specific service
• We are not liable for consequential or indirect losses
• We are not responsible for losses arising from client's failure to provide accurate information

9. Intellectual Property

All intellectual property rights in our website, software, and materials belong to NovaLuxe Travel. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our materials

10. Termination

Either party may terminate our services agreement:

• By giving 30 days' written notice
• Immediately for material breach of terms
• Upon insolvency or bankruptcy
• For failure to pay fees when due

Upon termination, we will provide final reports and transfer records as appropriate.

11. Force Majeure

We are not liable for delays or failures due to events beyond our reasonable control, including:

• Natural disasters
• Government actions or regulations
• Network or system failures
• Labor disputes

12. Governing Law

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts. Any disputes will be resolved through:

• Initial discussion and negotiation
• Mediation if required
• Legal proceedings in English courts

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by:

• Email notification to registered clients
• Notice on our website
• Direct communication for significant changes

Continued use of our services constitutes acceptance of updated Terms.

14. Contact Information

For questions about these Terms or our services, contact us:

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.