Terms of Service

Kiel Ruiz-Morgan, trading as LOQUIACAD, French auto-entrepreneur based in Paris, France. Contact: loquiacad@gmail.com. Social contributions are declared and paid to URSSAF in accordance with French law.

LOQUIACAD offers three consultancy practices: language coaching, relocation guidance and wellbeing coaching. Every engagement is advisory in nature. We share information, guidance and perspective; you remain fully responsible for your decisions, applications and administrative steps.

Engagements start with an introductory call. A service is confirmed once the scope has been agreed in writing (email is sufficient) and, where applicable, the corresponding invoice has been paid.

Fees are shared in writing before the service begins. As an auto-entrepreneur benefiting from the French VAT exemption (« TVA non applicable, art. 293 B du CGI »), invoices are issued without VAT unless the law requires otherwise. Payment is due on the terms stated on each invoice.

Sessions can be rescheduled with reasonable notice (typically at least twenty-four hours) at no additional cost.

Because our services are advisory and delivered on a personalised basis, all fees for services already rendered are strictly non-refundable. Prepaid packages remain valid for use in future sessions within the agreed timeframe. Where a legal right of withdrawal applies to a distance consumer contract, it may be waived once the service has started with your express agreement.

You commit to sharing accurate information about your situation, respecting scheduled sessions and applying the guidance received at your own discretion. You are responsible for verifying, before acting on any advice, its compatibility with your personal, professional, administrative or medical circumstances.

The guidance provided by LOQUIACAD reflects our experience and knowledge but does not guarantee a specific outcome (for example, obtaining a visa, being admitted to a programme, reaching a given language level or achieving a personal objective). Final decisions rest with the relevant authorities, institutions or with you.

LOQUIACAD's liability is limited to direct damages attributable to a proven fault on our part and, in any case, capped at the amount actually paid for the specific service concerned. LOQUIACAD is not liable for decisions of French or foreign administrations, third-party providers, force majeure events, or the way in which you choose to apply our advice.

All content, documents and templates shared during an engagement remain the intellectual property of LOQUIACAD. You are granted a personal, non-transferable right to use them for your own project.

We treat everything shared during an engagement as confidential and share it only with your consent or where required by law.

These terms are governed by French law. In the event of a dispute, the parties will first seek an amicable resolution. Failing that, the competent French courts of Paris shall have jurisdiction, without prejudice to any mandatory consumer protection rules that may apply.