Terms and Conditions

Agreement Overview

These terms govern your use of our financial planning services and website. By engaging with our services, you agree to these conditions — think of them as the ground rules that protect both of us throughout our professional relationship.

Your use of our services constitutes acceptance of these terms in their current form.

Key Definitions

For clarity, here's what we mean by key terms:

• • Services: Financial planning consultations, analysis, and advisory services provided by Velomirathine
• • Client/You: Any individual or entity engaging our financial planning services
• • Agreement: These Terms and Conditions plus any service-specific agreements
• • Personal Data: Any information relating to you as defined in our Privacy Policy

Service Description

We provide subscription-based financial planning consultations at RM 1,040 per month (approximately $250 USD). Our services include personalized financial analysis, goal-based planning, and ongoing advisory support.

Services are consultative in nature and do not include direct asset management or transactional services.

Your Responsibilities

To ensure effective service delivery, you agree to:

• • Provide accurate and complete financial information
• • Maintain confidentiality of any login credentials
• • Notify us promptly of significant changes in financial circumstances
• • Use our services only for lawful purposes
• • Respect intellectual property rights
• • Pay fees according to agreed schedules

Prohibited Activities

You may not use our services to:

• • Engage in illegal activities or money laundering
• • Provide false or misleading information
• • Attempt to access unauthorized areas of our systems
• • Reverse engineer or copy our proprietary methods
• • Harass or abuse our staff members
• • Share access credentials with unauthorized parties
• • Use services for competitive intelligence gathering

Intellectual Property Rights

All content, methods, and materials provided through our services remain our intellectual property or that of our licensors. You receive limited usage rights for personal financial planning purposes only.

Unauthorized reproduction, distribution, or commercial use of our materials is strictly prohibited.

Privacy and Data Protection

Your privacy is important to us. We collect and process personal information in accordance with applicable data protection laws and our Privacy Policy.

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

Payment Terms and Conditions

Our subscription service operates on the following payment terms:

• • Monthly subscription fee of RM 1,040 (inclusive of applicable taxes)
• • Payments due in advance on the same date each month
• • Late payments may result in service suspension after 7 days
• • All fees are non-refundable once services are rendered

Disclaimers and Warranties

Our services are provided on an "as-is" basis. While we strive for excellence, we cannot guarantee specific financial outcomes or results.

We disclaim all warranties, express or implied, regarding service results or performance.

Limitation of Liability

Our liability to you is limited to the maximum extent permitted by Malaysian law. We shall not be liable for indirect, consequential, or punitive damages.

Our total liability shall not exceed the amount paid by you for services in the preceding 12 months.

User Indemnification

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

Dispute Resolution

We are committed to resolving disputes fairly and efficiently through established procedures:

Arbitration Process

Disputes shall be resolved through binding arbitration in Kuala Lumpur under Malaysian Arbitration Act 2005.

• • Arbitration proceedings shall be conducted in English
• • Each party bears their own arbitration costs
• • Arbitrator decisions are final and binding

Alternative Dispute Resolution

You may also access alternative dispute resolution through recognized Malaysian financial services mediation.

Malaysian Financial Mediation Bureau provides free mediation services for financial disputes: Malaysian Financial Mediation Bureau

Service Termination

Either party may terminate services with 30 days written notice. Termination does not affect obligations incurred prior to termination date.

Upon termination, access to our services and materials will cease, but confidentiality obligations continue.

Governing Law

Any disputes arising from the use of this website or our services shall be subject to the exclusive jurisdiction of Malaysian courts.

These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts.

Severability Clause

If any provision is deemed invalid, the remaining terms continue in full force and effect.

Complete Agreement

These terms constitute the complete agreement between us regarding our services, superseding all prior agreements or understandings.

Terms Modifications

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

We will provide 30 days notice of material changes via email or website notification.

Contact Information

For questions about these terms or to discuss any concerns, please contact us using the information provided in our contact section.