Terms and Conditions of Service
Service Agreement Terms
Welcome to our terms and conditions. These terms govern your use of our financial planning subscription service and establish the legal framework for our professional relationship.
By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.
Important Definitions
For clarity, the following terms have specific meanings throughout this agreement:
- "Service": Our subscription-based financial planning service including consultations, analysis, and ongoing support
- "Client" or "You": The individual or entity subscribing to and using our financial planning services
- "Agreement": These terms and conditions along with our privacy policy and other referenced documents
- "Subscription": Your ongoing monthly or annual payment arrangement for continued access to our services
Acceptable Use of Services
Our services are designed for legitimate financial planning purposes. Your usage must comply with the following guidelines:
Permitted Uses:
- Personal financial planning and consultation for your own benefit
- Sharing information with your family members for household planning
- Using our tools and resources for educational purposes
Prohibited Uses:
- Reselling, redistributing, or commercializing our proprietary content or advice
- Using false information or impersonating others
- Attempting to access other users' accounts or private information
- Using our services for illegal activities or regulatory violations
Your Responsibilities as a Client
To ensure effective financial planning, you agree to:
- Provide accurate and complete information about your financial situation
- Maintain the confidentiality of your account credentials
- Notify us promptly of any significant changes to your circumstances
- Use our advice as part of your overall decision-making process
Intellectual Property and Content
All content, methodologies, tools, and materials provided through our service are protected by intellectual property laws and remain our exclusive property.
You may use our content for personal financial planning but may not copy, distribute, or create derivative works without written permission.
Privacy and Data Protection
Your privacy is important to us. We collect and process personal data in accordance with our privacy policy and applicable data protection regulations.
Please review our separate privacy policy for detailed information about data collection, usage, and your rights. Privacy Policy
Payment Terms and Billing
Your subscription includes the following payment terms:
- Monthly subscription fee of RM 250 (including 6% SST) charged in advance
- Payment processed automatically on your subscription anniversary date
- Failed payments may result in service suspension after 7 days notice
Service Termination
Either party may terminate this agreement under the following circumstances:
Termination by You: You may cancel your subscription at any time with 30 days written notice, effective at the end of your current billing period
Termination by Us: We may terminate services for breach of terms, non-payment, or if we discontinue the service with 60 days notice
Limitation of Liability
Our liability for any claims arising from our services is limited to the amount you paid for services in the 12 months preceding the claim.
We exclude liability for indirect, consequential, or punitive damages, and for losses resulting from your financial decisions.
Indemnification Agreement
You agree to indemnify and hold us harmless from claims arising from your breach of these terms or misuse of our services.
Dispute Resolution
We are committed to resolving any disputes through established channels.
Dispute Resolution Process
Disputes will be resolved through binding arbitration in Kuala Lumpur, Malaysia, under the rules of the Malaysian Mediation Centre.
Arbitration proceedings will be conducted in English and Malaysian law will govern the interpretation of this agreement.
Alternative Dispute Resolution
For international clients, we participate in recognized online dispute resolution platforms when applicable.
Applicable Law and Jurisdiction
These terms are governed by Malaysian law, and Malaysian courts have jurisdiction over any disputes not resolved through arbitration.
Modifications to Terms
We may update these terms to reflect service changes or legal requirements. Significant changes will be communicated with 30 days advance notice.
Continued use of our services after changes become effective constitutes acceptance of the modified terms.
Complete Agreement
These terms, together with our privacy policy and other referenced documents, constitute the complete agreement between us regarding your use of our services.
Terms-Related Questions
For questions about these terms and conditions, please contact us using the information provided in our main contact section.
Last Updated: August 25, 2025
Effective Date: August 25, 2025