Terms and Conditions
These terms govern your use of our financial planning subscription service. By accessing our services, you agree to comply with these conditions.
Last Updated: August 1, 2025
Acceptance of Terms
By using our website or subscribing to our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.
Definitions
For the purposes of these terms:
- "Service": Refers to our financial planning consultation and analytical review service provided through subscription
- "User" or "Client": Refers to any individual who accesses or uses our website or subscribes to our services
- "Consultation": Refers to personalized financial planning sessions and analytical reviews provided as part of our service
- "Platform": Refers to our website, consultation tools, and related digital services
Use of Services
Your use of our services is subject to these conditions and restrictions.
Eligibility Requirements
Our services are available to individuals 18 years and older who are legally capable of entering into binding agreements under Malaysian law.
18+ only
Account Responsibilities
- Provide accurate and complete information during registration and consultations
- Maintain the confidentiality of your account credentials and notify us of unauthorized access
- Use our services only for lawful purposes and in accordance with these terms
Prohibited Uses
You may not use our services for the following purposes:
- Any illegal activities or violations of Malaysian or international law
- Distributing malware, spam, or other harmful content through our platform
- Attempting to gain unauthorized access to our systems or other user accounts
- Using our services to compete with us or develop competing financial planning services
- Sharing or reselling access to our consultation services without written permission
Intellectual Property Rights
All content, trademarks, and intellectual property on our platform remain our exclusive property. You may not reproduce, distribute, or create derivative works without written consent.
User-Generated Content
You retain ownership of personal information you share during consultations, but grant us necessary rights to provide our services.
You grant us a limited license to use your feedback and suggestions to improve our services.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. Privacy Policy
Service Disclaimers
Our financial planning services are provided for informational and consultation purposes. We do not guarantee specific financial outcomes or results.
We provide our services "as-is" without warranties of any kind, express or implied.
Past performance does not guarantee future results.
Limitation of Liability
Our total liability shall not exceed the amount paid for our services in the 12 months preceding any claim. We exclude liability for indirect or consequential damages.
User Indemnification
You agree to indemnify us against claims arising from your use of our services or violation of these terms.
Service Termination
Either party may terminate the service relationship under these circumstances:
- Violation of these terms and conditions
- Non-payment of subscription fees
- At any time with 30 days written notice
Dispute Resolution
We encourage resolving disputes through discussion, but formal procedures are available:
Arbitration Process
Disputes that cannot be resolved through negotiation may be subject to arbitration under Malaysian arbitration law.
Alternative Dispute Resolution
Malaysian consumers may access relevant dispute resolution platforms through local regulatory authorities.
Governing Law
These terms are governed by Malaysian law and any disputes will be resolved in Malaysian courts.
Severability of Terms
If any provision is found unenforceable, the remaining terms continue in full force and effect.
Entire Agreement
These terms, along with our Privacy Policy and other referenced policies, constitute the complete agreement between us.
Changes to These Terms
We may update these terms periodically. Continued use of our services after changes constitutes acceptance of the updated terms.
Contact Information for Terms
For questions about these terms and conditions, contact us at info@crenithosari.com or +60 3 1418 8307 .
By using our services, you acknowledge acceptance of these terms and conditions.