Terms and Conditions of Service

Agreement to Terms

By using our services, you agree to be bound by these Terms and Conditions.

I agree to the Terms & Conditions and Privacy Policy

Definitions

For the purposes of these terms, the following definitions apply:

• • Service: Our financial planning subscription and consultation offerings
• • User/Client: Any individual or entity using our services
• • Subscription: Monthly recurring payment plan for ongoing services
• • Consultation: One-on-one planning discussions and analytical reviews

Use of Our Services

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

Permitted Uses

• • Accessing consultations for personal financial planning purposes
• • Receiving analytical reviews and educational materials
• • Communicating with our team about your planning needs

Prohibited Uses

• • Sharing subscription access with unauthorized third parties
• • Using our services for commercial or business purposes
• • Attempting to reverse-engineer our methodologies
• • Providing false or misleading information
• • Using our services for any illegal activities

Your Responsibilities

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

• • Providing accurate and complete information
• • Maintaining confidentiality of your account access
• • Notifying us of any changes to your circumstances
• • Making your own independent financial decisions
• • Complying with all applicable laws and regulations

Account and Subscription Terms

Your subscription account is subject to these conditions:

• • One account per individual subscriber
• • Monthly billing cycle beginning on signup date
• • 30-day notice required for cancellation
• • No refunds for partial months of service

Payment Terms

Payment for our services is subject to the following terms:

• • Monthly subscription fee of RM 250 due in advance
• • All fees include applicable GST/VAT as required by law
• • Late payment may result in service suspension
• • Price changes require 30 days advance notice

Intellectual Property

All content and materials provided through our services remain our intellectual property.

You may not reproduce, distribute, or create derivative works from our materials without express written permission

Privacy and Data Protection

Your privacy is important to us and we handle your personal information responsibly.

Please review our Privacy Policy for detailed information about data collection and usage

Service Disclaimers

Please note the following important disclaimers about our services:

• • We provide analytical reviews and consultations, not specific financial advice
• • Past performance does not guarantee future results
• • Individual results may vary based on personal circumstances
• • All financial decisions carry inherent risks

Limitation of Liability

Our liability is limited as follows:

To the maximum extent permitted by law, we exclude liability for indirect damages, lost profits, or consequential losses arising from your use of our services

Indemnification

You agree to indemnify us against any claims, damages, or expenses arising from your use of our services or violation of these terms

Dispute Resolution

Any disputes will be resolved through the following mechanisms:

Termination of Service

Services may be terminated under the following conditions:

• • By you with 30 days written notice
• • By us for violation of these terms
• • By either party with cause and appropriate notice

Governing Law

These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts

Changes to Terms

We may modify these terms from time to time with appropriate notice to users.

Significant changes will be communicated via email or website notification

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall continue in effect

Entire Agreement

These terms constitute the complete agreement between you and us regarding the use of our services

Contact Information

For questions about these terms, please contact us using the information provided below