Terms and Conditions

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

These terms constitute a legally binding agreement between you and Selivornexatho Sdn Bhd.

For the purposes of these terms:

• "Service": Refers to our financial planning consultation and advisory services provided through subscription
• "User" or "Client": Refers to any individual who accesses our website or uses our services
• "Content": Refers to all information, materials, and resources provided through our platform
• "Account": Refers to your subscription account and associated personal information

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding agreements to use our services.

18+ only

Permitted Uses

You may use our service for the following purposes:

• Accessing financial planning consultations and guidance
• Receiving personalized advice based on your circumstances
• Utilizing resources and tools provided through our platform

As a user of our service, you agree to:

• Provide accurate and complete information about your financial situation
• Maintain the confidentiality of your account information
• Use our services only for lawful purposes
• Respect the intellectual property rights of Selivornexatho
• Comply with all applicable laws and regulations

You agree not to:

• Use our services for any fraudulent or illegal activities
• Share your account access with unauthorized third parties
• Attempt to reverse engineer or copy our proprietary systems
• Interfere with the proper functioning of our website or services
• Violate any applicable laws or regulations while using our services

All content, trademarks, and intellectual property on our website and in our services remain the exclusive property of Selivornexatho Sdn Bhd.

All materials are protected by copyright and other intellectual property laws

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

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

Our services are provided "as is" without warranties of any kind, either express or implied.

We do not guarantee specific financial outcomes or results from our planning services. Results may vary based on individual circumstances.

Selivornexatho's liability is limited to the maximum extent permitted by Malaysian law.

Our total liability shall not exceed the amount you paid for services in the twelve months preceding any claim.

You agree to indemnify Selivornexatho against any claims arising from your use of our services or violation of these terms.

Dispute Resolution

Any disputes arising from these terms shall be resolved through arbitration in accordance with Malaysian arbitration rules.

Arbitration proceedings shall be conducted in English in Kuala Lumpur, Malaysia.

Alternative Dispute Resolution

For consumer disputes, you may also use alternative dispute resolution mechanisms available in Malaysia.

Either party may terminate the service relationship with appropriate notice as specified in your subscription agreement.

Upon termination, your access to services will cease, but these terms will continue to apply to past use of our services.

These terms are governed by and construed in accordance with the laws of Malaysia, without regard to conflict of law principles.

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website.

We will notify users of material changes through email or prominent website notices.

If any provision of these terms is deemed unenforceable, the remaining provisions shall remain in full force and effect.