Important Disclaimer

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as professional financial advice tailored to your specific circumstances.

This website serves as an introduction to our financial planning consultation services and does not constitute a comprehensive financial analysis or recommendation.

Always consult with qualified financial professionals before making significant financial decisions or implementing any financial strategies discussed on this platform.

Information Accuracy and Updates

While we strive to maintain accurate and up-to-date information, financial markets and regulations change frequently, and some content may become outdated.

We regularly review and update our content, but cannot guarantee that all information reflects the most current market conditions or regulatory requirements.

Users are responsible for verifying information independently and should not rely solely on website content for financial decision-making.

Limitation of Liability

To the maximum extent permitted by Malaysian law, our liability is limited as follows:

• We are not liable for any indirect, consequential, or punitive damages arising from your use of our services or website.
• Our total liability for any claims related to our services shall not exceed the amount paid for consultation fees in the preceding 12 months.
• We are not responsible for losses resulting from market volatility, economic conditions, or external factors beyond our reasonable control.
• Technical issues, website downtime, or communication delays do not constitute grounds for liability claims against our services.
• We disclaim liability for actions taken based on general information provided during consultations without considering your complete financial picture.

These limitations apply to the maximum extent permitted under Malaysian consumer protection and contract law.

Financial Services Disclaimer

Our financial planning consultations provide general guidance and analytical reviews rather than specific investment recommendations or portfolio management services.

Financial markets are inherently volatile and unpredictable. Economic factors, regulatory changes, and personal circumstances can significantly impact financial outcomes.

Individual results may vary significantly based on personal circumstances, market conditions, and implementation of discussed strategies.

Seek independent professional advice before making significant financial commitments or changes to your financial arrangements.

Professional Relationship Disclaimer

Consultation sessions are intended to provide informational guidance and analytical perspectives on financial planning approaches and considerations.

We strongly recommend consulting with licensed financial advisors, tax professionals, and legal experts before implementing any financial strategies.

Using this website or participating in consultations does not establish a formal advisor-client relationship or fiduciary duty.

External Links and Third-Party Content

This website may contain links to external websites, resources, or third-party content provided for informational convenience only.

Links to external sites do not constitute endorsements of their content, services, or reliability, and we are not responsible for their accuracy.

Users access external links at their own risk and should review the terms, privacy policies, and disclaimers of any third-party websites.

Client Testimonials and Reviews

Client testimonials and reviews reflect individual experiences and opinions, which may not represent typical results or outcomes from our services.

Testimonials do not guarantee similar results and should not be considered as promises or assurances of specific outcomes from consultation services.

Each client's financial situation is unique, and results depend on various personal factors, market conditions, and individual implementation efforts.

User Indemnification

By using our services, you agree to indemnify and hold harmless our company from claims arising from your use of consultation services or website content.

This includes legal fees and damages resulting from misuse of information, breach of terms, or actions taken contrary to professional advice recommendations.

Governing Law and Jurisdiction

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

All disputes, claims, and legal proceedings shall be resolved under Malaysian legal framework and regulatory requirements.

Where international clients are involved, local consumer protection laws may provide additional rights that supersede certain disclaimer provisions.

We encourage informal resolution of disputes through direct communication before pursuing formal legal proceedings.

Severability of Terms

If any provision of this disclaimer is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Invalid provisions will be replaced with enforceable terms that most closely reflect the original intent while complying with applicable laws.

Modifications and Updates

We reserve the right to modify this disclaimer at any time to reflect changes in services, legal requirements, or business practices.

Material changes will be posted on the website with updated effective dates, and continued use constitutes acceptance of modifications.

Users are responsible for regularly reviewing disclaimer updates and should discontinue use if they disagree with any modifications.

Contact Information

For questions about this disclaimer or our services, please contact us using the information provided below: