Terms and Conditions
These Terms and Conditions govern your use of our financial planning subscription service.
Last updated: August 29, 2025
Acceptance of Terms
By accessing or using our services, you agree to be bound by these Terms and Conditions.
If you do not agree to these terms, please do not use our services
Definitions
The following terms have specific meanings throughout this agreement:
- Service: Our financial planning subscription and consultation services
- User/Client: Any individual who subscribes to or uses our services
- Content: All information, advice, and materials provided through our service
- Account: Your subscription account and associated service access
Service Usage Rules
Your use of our service is subject to the following rules and restrictions.
Permitted Uses
- Access and use services for legitimate personal financial planning
- Communicate with our advisors for service-related purposes
- Download and retain materials provided specifically for your use
Prohibited Uses
- Share account access with unauthorized third parties
- Use services for commercial purposes without written permission
- Attempt to reverse engineer or copy our proprietary methods
- Provide false information or misrepresent your circumstances
User Responsibilities
As a user of our service, you are responsible for:
- Providing accurate and complete information about your financial situation
- Maintaining the confidentiality of your account credentials
- Promptly notifying us of any changes to your circumstances
- Using the service in accordance with these terms
Intellectual Property
Our Intellectual Property
All content, methodologies, and materials provided through our service remain our intellectual property and are protected by applicable laws.
Your Information
You retain ownership of personal information you provide, subject to our Privacy Policy
Payment Terms
Your subscription is subject to the following payment terms and conditions.
- Payment Method: Monthly subscription of RM250 charged automatically to your chosen payment method
- Billing Cycle: Charges occur monthly on the anniversary of your subscription start date
- Refund Policy: Partial refunds may be available within 7 days of initial subscription, pro-rated for unused services
- Cancellation: You may cancel your subscription at any time with 30 days written notice
Limitation of Liability
Our liability is limited to the amount paid by you in the 12 months preceding any claim. We are not liable for indirect, consequential, or punitive damages.
This limitation applies to the fullest extent permitted by Malaysian law
Indemnification
You agree to indemnify us against claims arising from your misuse of our services or violation of these terms.
Dispute Resolution
Arbitration Process
Disputes will be resolved through binding arbitration in accordance with Malaysian arbitration rules.
- Arbitration will be conducted in Kuala Lumpur
- The arbitrator's decision will be final and binding
- Each party will bear their own costs unless otherwise determined
Online Dispute Resolution
For cross-border disputes, you may access online dispute resolution platforms.
This applies primarily to EU residents with cross-border service disputes
Termination
We may terminate your account for the following reasons:
- Violation of these terms and conditions
- Fraudulent or illegal use of our services
- Non-payment of subscription fees
Governing Law
These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts.
Changes to Terms
We may update these terms periodically. Material changes will be communicated 30 days in advance via email.
Contact Details
For questions about these terms, contact us: