Terms and Conditions

Introduction and Agreement

These Terms and Conditions govern your use of Glavonirenthq financial planning subscription services and website. By accessing our services or website, you agree to be bound by these terms and all applicable Malaysian laws and regulations.

Your continued use of our services constitutes acceptance of these terms and any future modifications we may make.

Definitions and Interpretations

For the purposes of these Terms and Conditions, the following definitions apply:

• • Services: Financial planning consultations, analytical reviews, and related guidance provided through our subscription model
• • Subscription: Monthly recurring payment arrangement for access to our consultation services at RM 250 per month
• • Client/User: Individual or entity subscribing to and using our financial planning services
• • Platform: Our website, communication systems, and service delivery methods used to provide consultations

Acceptable Use of Services

Your use of our services must comply with these guidelines and Malaysian law:

Permitted Uses

• • Accessing consultation services for legitimate personal financial planning purposes
• • Communicating with our consultants regarding your financial planning needs
• • Using provided materials and guidance for your personal financial management

Prohibited Uses

• • Sharing account access or consultation materials with unauthorized third parties
• • Using services for illegal activities or to circumvent Malaysian financial regulations
• • Attempting to reverse engineer, copy, or reproduce our proprietary methodologies
• • Harassing, threatening, or behaving inappropriately toward our staff or consultants
• • Providing false information that could affect the quality of consultation services

Your Responsibilities as a Client

As a subscriber to our services, you agree to the following responsibilities:

• • Provide accurate and complete information necessary for effective consultation services
• • Maintain the confidentiality of your account login credentials and personal information
• • Notify us promptly of any changes in your financial circumstances or goals
• • Use consultation guidance responsibly and seek additional professional advice when appropriate
• • Comply with all applicable laws and regulations when implementing financial planning strategies

Intellectual Property Rights

All intellectual property rights in our consultation methodologies, materials, and proprietary content remain exclusively with Glavonirenthq.

You may not reproduce, distribute, or create derivative works based on our proprietary materials without written consent.

We grant you a limited, non-transferable license to use provided materials solely for your personal financial planning purposes.

Privacy and Data Handling

Your personal information is handled according to our Privacy Policy and Malaysian Personal Data Protection Act 2010 requirements. By using our services, you consent to our data collection and processing practices as described in our Privacy Policy.

Detailed information available in our Privacy Policy section. Privacy Policy .

Payment Terms and Billing

Our subscription service operates under the following payment terms:

• • Monthly subscription fee of RM 250 is charged on the same date each month
• • All fees are inclusive of applicable Malaysian taxes and are non-refundable
• • Payment must be current to maintain access to consultation services
• • Price changes will be communicated at least 30 days in advance

Service Termination Conditions

Either party may terminate the subscription service under the following conditions:

You may cancel your subscription at any time with immediate effect for the next billing cycle

We may terminate services immediately for breach of terms, non-payment, or misuse of services

Service Disclaimers

Our consultation services are provided "as is" without warranties of any kind, express or implied.

We make no guarantees regarding specific outcomes or the suitability of our guidance for your particular circumstances.

Individual results may vary based on personal implementation, market conditions, and factors beyond our control.

Limitation of Liability

Our total liability for any claims arising from our services shall not exceed the amount you paid for services in the preceding twelve months.

We shall not be liable for indirect, consequential, or punitive damages arising from service use.

This limitation applies to the maximum extent permitted under Malaysian law.

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through Malaysian legal processes and jurisdiction.

User Indemnification

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

Applicable Law and Jurisdiction

Any disputes arising from our services shall be resolved under Malaysian legal framework and regulatory requirements.

These terms are governed by Malaysian law, and any legal proceedings shall be conducted in Malaysian courts with proper jurisdiction.

Modifications to Terms

We reserve the right to modify these Terms and Conditions to reflect changes in our services or legal requirements.

Significant changes will be communicated to subscribers at least 30 days before taking effect.

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Glavonirenthq.

Severability Clause

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

Legal Contact Information

For legal matters or questions regarding these Terms and Conditions, please contact us using the information provided elsewhere on this website.