Terms and Conditions of Service

Agreement to Terms

By subscribing to our financial planning service, you agree to be bound by these terms and conditions.

This constitutes a legally binding agreement between you and our company.

Key Definitions

The following terms have specific meanings throughout this agreement:

• Service: Our monthly financial planning consultation and guidance service
• Subscriber: Any individual who subscribes to our financial planning service
• Content: All information, advice, and materials provided through our service
• Agreement: These terms and conditions along with our privacy policy

Service Usage Guidelines

Your use of our financial planning service is subject to the following guidelines and restrictions.

Your Responsibilities

As a subscriber, you have certain responsibilities to ensure effective service delivery and compliance with our terms.

• Provide accurate and complete information during consultations
• Maintain confidentiality of your login credentials
• Pay subscription fees on time according to your billing cycle
• Notify us of any changes to your contact information

Intellectual Property Rights

All content, methodologies, and materials provided through our service are protected by intellectual property laws.

All content remains the property of our company and is protected by Malaysian and international copyright law.

Privacy and Data Protection

Your personal information is processed according to our Privacy Policy, which forms part of this agreement.

Please review our Privacy Policy for detailed information about data handling practices Privacy Policy

Payment and Billing Terms

Your subscription includes the following payment terms and conditions, including all applicable fees and charges.

• Payment Methods: We accept major credit cards and bank transfers
• Billing Cycle: Monthly billing on the same date each month
• Refund Policy: No refunds available except as required by Malaysian consumer law
• Cancellation Terms: Cancel with 30 days written notice, no cancellation fees

Service Disclaimers

Our financial planning service is provided with the following important disclaimers and limitations.

Limitation of Liability

Our liability is limited to the maximum extent permitted under Malaysian law.

Maximum liability limited to the amount paid for services in the preceding 12 months

Indemnification

You agree to indemnify us against claims arising from your use of our service or violation of these terms.

Dispute Resolution Process

We prefer to resolve disputes through direct communication, but formal procedures are available if needed.

Service Termination

Either party may terminate this agreement under the conditions specified below.

We reserve the right to terminate service for violation of terms or non-payment

Applicable Law

This agreement is governed by Malaysian law and subject to the jurisdiction of Malaysian courts.

Severability Clause

If any provision is deemed invalid, the remainder of the agreement remains enforceable.

Complete Agreement

This document represents the complete agreement between you and our company regarding the service.

Terms Modification

We may update these terms periodically. Significant changes will be communicated to subscribers.

You will receive notification of material changes at least 30 days in advance

Contact Information

For questions about these terms, contact us at info@aurenquivas.com or +60 17 1475 4393.