Terms and Conditions
These terms and conditions govern your use of our financial planning subscription service and establish the legal relationship between you and our company
Effective Date: August 20, 2025
Acceptance of Terms
By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions
These terms constitute a legally binding agreement between you and Yorivalenquix Financial Planning Services
Key Definitions
- Service: Our monthly financial planning consultation subscription and related advisory services
- User/Client: Any individual who subscribes to or uses our financial planning services
- Consultation: Monthly advisory sessions provided as part of the subscription service
- Platform: Our website, communication systems, and service delivery infrastructure
Service Description
We provide monthly financial planning consultation services through subscription-based engagement, including personalized advice and ongoing support
Our services focus on general financial planning discussions, budget analysis, and goal-setting rather than specific product recommendations
User Responsibilities
As a service user, you agree to
- Provide accurate and complete information during consultations
- Maintain confidentiality of login credentials and account access
- Use services only for lawful purposes and personal financial planning
- Pay subscription fees promptly according to agreed terms
- Notify us of any changes to contact information or circumstances
Prohibited Uses
You may not use our services for
- Commercial resale or redistribution of consultation content
- Providing financial advice to third parties using our materials
- Attempting to reverse-engineer our planning methodologies
- Sharing account access with unauthorized individuals
- Activities that violate Malaysian financial regulations
Intellectual Property
All content, methodologies, and materials provided through our service remain our exclusive intellectual property
You may not reproduce, distribute, or create derivative works from our proprietary content without written permission
We grant you limited, non-transferable license to use consultation materials for personal financial planning purposes only
Privacy Policy
Your personal information is handled according to our Privacy Policy, which forms part of these terms
View Privacy PolicyPayment Terms
Subscription fees are subject to the following terms
- • Monthly subscription fees of RM 250 are charged in advance
- • All prices include applicable Malaysian taxes (SST/GST)
- • Payments are non-refundable once consultation services have been provided
- • Late payment may result in service suspension until account is current
Service Disclaimers
Our services are provided "as is" without warranties of specific financial outcomes or results
We disclaim all warranties, express or implied, regarding service availability, accuracy, or suitability for specific purposes
Additional disclaimers regarding financial advice limitations are detailed in our Disclaimer document
Limitation of Liability
Our liability is limited to the subscription fees paid in the 12 months preceding any claim
We exclude liability for indirect, consequential, or punitive damages arising from service use
User Indemnification
You agree to indemnify us against claims arising from your use of services, implementation of advice, or violation of these terms
Consumer Dispute Resolution
Arbitration Process
Disputes shall be resolved through binding arbitration under Malaysian Arbitration Act 2005
Malaysian Dispute Resolution
Malaysian consumers may access dispute resolution through the Financial Mediation Bureau
Access FMB ServicesWe encourage informal resolution before initiating formal dispute procedures
Service Termination
Either party may terminate the subscription with 30 days written notice
Upon termination, access to ongoing consultation services ceases, but confidentiality obligations continue
Governing Law
These terms are governed by Malaysian law and subject to Malaysian court jurisdiction
Terms Modifications
We may update these terms periodically to reflect service changes or legal requirements
Continued use after modifications constitutes acceptance of updated terms
Severability
If any provision is invalid, the remaining terms continue in full force and effect
Complete Agreement
These terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between parties
Legal Inquiries
For questions about these terms or legal matters, please contact us