Terms and Conditions

Terms of Service

These Terms and Conditions govern your use of Xenoluraviaq's financial planning consultation services and website. Please read these terms carefully before using our services.

By accessing our website or using our services, you agree to be bound by these terms and our Privacy Policy.

Definitions

For the purposes of these Terms and Conditions:

• "Service" or "Services": Refers to Xenoluraviaq's financial planning consultation services, including website access, consultations, and related support.
• "User," "You," or "Your": Refers to the individual or entity accessing our services and agreeing to these terms.
• "Company," "We," "Us," or "Our": Refers to Xenoluraviaq Financial Planning Services, registered in Malaysia.
• "Content": All information, text, graphics, and materials provided through our services.

Use of Services

Your use of our services is subject to the following conditions:

Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements under Malaysian law.

Account Responsibilities

• Provide accurate and complete information during registration and consultations
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized account access

Prohibited Uses

You may not use our services for any of the following:

• Illegal activities or violation of applicable laws and regulations
• Transmitting harmful, fraudulent, or misleading information
• Attempting to gain unauthorized access to our systems or other user accounts
• Reproducing, distributing, or commercializing our content without permission
• Interfering with the normal operation of our website or services

Intellectual Property

All content, trademarks, and intellectual property on our website and services remain the exclusive property of Xenoluraviaq or our licensors.

User-Generated Content

Any information you provide during consultations or through our services remains confidential and is used solely for providing financial planning guidance.

You grant us a limited license to use your information as necessary to deliver our services effectively.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information. Privacy Policy

Service Disclaimers

Our services are provided "as is" without warranties of any kind. We do not guarantee specific financial outcomes or results from our consultations.

We disclaim all warranties, express or implied, including merchantability, fitness for particular purpose, and non-infringement.

Limitation of Liability

Xenoluraviaq's liability for any claims related to our services is limited to the amount you have paid for subscription fees in the preceding 12 months.

We are not liable for indirect, consequential, or incidental damages arising from your use of our services.

User Indemnification

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

Dispute Resolution

Any disputes arising from these terms will be resolved as follows:

Termination

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

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

Governing Law

These terms are governed by Malaysian law and any disputes will be subject to the jurisdiction of Malaysian courts.

Changes to Terms

We may update these terms periodically to reflect changes in our services or legal requirements.

Continued use of our services after changes constitutes acceptance of updated terms.

Severability

If any provision of these terms is found unenforceable, the remaining provisions will continue in full effect.

Entire Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between you and Xenoluraviaq regarding our services.

Official Contact Information