Disclaimer
Past performance does not guarantee future results.
Financial planning involves risk and individual circumstances may vary significantly.
This disclaimer governs your use of our website and financial planning services. By accessing our services, you acknowledge and agree to these terms.
General Information Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. Our content is designed to help you understand financial concepts but does not constitute professional recommendations for your specific situation. Always consider your individual circumstances and consult with qualified professionals before making financial decisions.
Limitation of Liability
To the fullest extent permitted by Malaysian law, we limit our liability as follows:
- We are not liable for any indirect, consequential, or special damages arising from your use of our services
- Our total liability shall not exceed the amount paid for our subscription services in the 12 months preceding the claim
- We exclude liability for losses caused by factors beyond our reasonable control, including market volatility
- Users assume full responsibility for implementing any suggestions or recommendations provided through our consultations
Information Accuracy
While we strive to provide accurate and up-to-date information, financial markets and regulations change constantly. We cannot guarantee the completeness or accuracy of all information presented and recommend verifying current rates, terms, and regulations independently.
We make no guarantees regarding specific financial outcomes or results from following our guidance.
Professional Advice Notice
Our services provide general financial planning guidance and should not replace comprehensive advice from licensed financial advisors, tax professionals, or legal counsel. For complex financial situations, we recommend seeking additional professional consultation.
Financial Service Disclaimer
Important considerations regarding our financial planning services:
- All financial planning involves inherent risks and uncertain outcomes based on future market conditions
- Our subscription fee of RM1,050 monthly (approximately $250 USD) includes GST where applicable with 30-day billing cycles
- Individual results depend on personal circumstances, implementation, and market conditions beyond our control
External Links Policy
Our website may contain links to third-party resources for your convenience. We do not endorse or assume responsibility for the content, privacy policies, or practices of external websites.
No Warranties
We provide our services and information on an "as-is" basis without warranties of any kind, whether express or implied.
This includes but is not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Results and Outcomes
Financial planning outcomes depend on numerous factors including market conditions, personal circumstances, and implementation consistency. We cannot predict or guarantee specific results from our consultation services.
Individual results may vary significantly based on personal circumstances and market conditions.
Jurisdiction and Governing Law
This disclaimer and your use of our services are governed by Malaysian law:
Governing Law: These terms are governed by the laws of Malaysia and applicable federal regulations
Legal Jurisdiction: Any disputes will be resolved in the courts of Kuala Lumpur, Malaysia
Local regulations may apply depending on your location within Malaysia.
User Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Severability
If any provision of this disclaimer is found to be unenforceable, the remaining provisions will continue in full force and effect.
Changes to This Disclaimer
We may update this disclaimer periodically to reflect changes in our services or legal requirements. Continued use of our services constitutes acceptance of any modifications.
Contact Information for Disclaimer Inquiries
For questions about this disclaimer or our liability policies:
Last Updated: August 1, 2025
By using our services, you acknowledge that you have read and understood this disclaimer.