Terms and Conditions

Terms of Service Agreement

These terms govern your use of Ophelantruvo financial planning consultation services and website, establishing the legal framework for our professional relationship.

By using our services or website, you agree to be bound by these terms and conditions in their entirety.

This constitutes a legally binding agreement between you and Ophelantruvo Financial Planning Services.

Key Definitions

The following terms have specific meanings throughout this agreement:

• "Service": Refers to financial planning consultations, website access, and related professional guidance provided by our company.
• "User" or "Client": Any individual who accesses our website, requests consultations, or uses our financial planning services.
• "Content": All information, materials, documents, and resources provided through our website or consultation services.
• "Account": Your relationship with our service including consultation history, personal information, and communication records.

Service Usage Rules

These rules ensure fair and appropriate use of our financial planning services and resources.

Permitted Uses

• Access consultation services for legitimate personal financial planning purposes
• Use website resources for informational and educational purposes related to financial planning
• Communicate with our team regarding services, appointments, and financial planning matters

Prohibited Activities

• Misrepresent information during consultations or provide false financial details
• Use services for illegal activities, fraud, or attempts to circumvent financial regulations
• Share confidential consultation materials or proprietary information with unauthorized parties
• Attempt to reverse-engineer, copy, or reproduce proprietary methodologies or content
• Engage in harassment, abusive behavior, or inappropriate conduct toward staff members

Your Responsibilities

As a client, you have specific obligations to ensure effective service delivery and maintain professional standards:

• Provide accurate and complete information about your financial situation and goals
• Attend scheduled appointments punctually and notify us of cancellations with reasonable notice
• Maintain confidentiality of login credentials and account information
• Review and understand all materials provided during consultations
• Comply with applicable laws and regulations regarding financial planning and data protection

Intellectual Property Rights

All content, methodologies, tools, and materials provided through our services are protected by intellectual property laws.

We retain ownership of all proprietary content, including consultation frameworks, analysis tools, and educational materials.

You receive limited, non-transferable license to use materials provided during consultations for personal financial planning purposes only.

You may not reproduce, distribute, modify, or create derivative works from our proprietary content without written permission.

Privacy and Data Protection

Our privacy practices are governed by our separate Privacy Policy, which forms an integral part of these terms.

We collect and process personal information necessary for service delivery and regulatory compliance.

By using our services, you consent to data processing as described in our Privacy Policy and these terms.

Payment Terms and Conditions

Consultation services are provided on a monthly subscription basis with clear payment terms and conditions.

Monthly subscription fee of RM 250 includes scheduled consultations and ongoing support, with fees payable in advance.

Refunds are not provided for unused consultation time, though services may be rescheduled with reasonable notice.

All fees are inclusive of applicable Malaysian taxes and government charges.

Service Disclaimers

Services are provided "as is" without warranties regarding specific outcomes or financial results.

We make no warranties about the accuracy, completeness, or suitability of general information for your specific circumstances.

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

Past performance does not guarantee future results.

Limitation of Liability

Our liability is limited to the maximum extent permitted under Malaysian law and consumer protection regulations.

We are not liable for indirect, consequential, or punitive damages arising from service use or consultation outcomes.

Total liability for any claims shall not exceed fees paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify us against claims arising from your misuse of services or breach of these terms.

This includes legal fees and damages resulting from false information, unauthorized use, or violation of applicable laws.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through multiple channels available to Malaysian consumers.

Arbitration and Dispute Resolution

Disputes will be resolved through binding arbitration under Malaysian Arbitration Act 2005, with proceedings conducted in English.

Arbitration follows Malaysian Institute of Arbitrators rules, with single arbitrator appointed by mutual agreement or institute appointment.

Arbitration proceedings take place in Kuala Lumpur, Malaysia, with Malaysian law governing all aspects of dispute resolution.

EU Online Dispute Resolution

European Union residents may access alternative dispute resolution through the European Commission's online platform.

Our registered email for ODR purposes is: info@ophelantruvo.com

Service Termination

Either party may terminate the service relationship with appropriate notice and completion of outstanding obligations.

You may cancel subscription services with 30 days written notice, with fees due through the notice period.

We may terminate services for breach of terms, non-payment, or other material violations with 30 days notice.

Upon termination, access to services ceases, though confidentiality obligations and liability limitations remain in effect.

Governing Law and Jurisdiction

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

These terms are governed by Malaysian law and subject to jurisdiction of Malaysian courts for non-arbitrable matters.

Consumer protection laws of your residence may provide additional rights that supersede certain terms where legally required.

Changes to Terms

We may modify these terms to reflect legal changes, service updates, or business practice modifications.

Material changes will be communicated via email or website notice at least 30 days before taking effect.

Continued use of services after changes take effect constitutes acceptance of modified terms.

General Provisions

Entire Agreement: These terms, along with our Privacy Policy and service agreements, constitute the complete agreement between parties.

Severability: Invalid provisions do not affect enforceability of remaining terms, with invalid clauses replaced by enforceable alternatives.

Waiver: Failure to enforce any provision does not constitute waiver of rights or future enforcement of terms.

Assignment: You may not assign rights or obligations without consent, while we may assign this agreement in connection with business transfers.

Contact Information

For questions about these terms or service-related matters, contact us using the provided information.