Terms and Conditions of Service

Introduction and Agreement

These Terms and Conditions govern your use of Quiraelothar and the subscription-based financial planning consultations we provide.

By using our services, you agree to be bound by these terms and all applicable laws and regulations.

Definitions and Key Terms

The following definitions apply throughout these Terms and Conditions:

• Service: Our financial planning consultation and analytical review services provided through subscription
• User/Client: Any individual who accesses or uses our website and services
• Content: All information, advice, recommendations, and materials provided through our service
• Agreement: These Terms and Conditions and any additional service agreements

Eligibility Requirements

Our services are available to individuals who are legally capable of entering into binding contracts and meet our service criteria.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during consultations
• Maintain the security of your account credentials and personal information
• Use our services in compliance with all applicable laws and regulations
• Respect the intellectual property rights of our company and third parties

Prohibited Uses

You may not use our services for any of the following purposes:

• Any illegal activities or violation of applicable laws
• Transmitting harmful, offensive, or inappropriate content
• Sending unsolicited communications or spam
• Interfering with or disrupting our systems or services
• Attempting to gain unauthorized access to our systems or other users' accounts

Intellectual Property Rights

All content, materials, and methodologies used in our services are protected by intellectual property laws and remain our exclusive property.

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

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Please review our Privacy Policy to understand how we handle your personal data. Privacy Policy

Service Disclaimers

Important disclaimers regarding our services:

Limitation of Liability

Our liability for any claims related to our services is limited to the amount paid for the specific service in question.

In no event shall our total liability exceed the total fees paid by you in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

Disputes arising from these terms shall be resolved through the following procedures:

Termination of Services

Either party may terminate the service relationship with appropriate notice as specified in your subscription agreement.

Upon termination, your access to services will cease, but certain provisions of these terms will survive termination.

Governing Law

These terms are governed by Malaysian law and any disputes shall be subject to the jurisdiction of Malaysian courts.

Severability

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

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and our company.

Changes to Terms

We reserve the right to modify these terms at any time with appropriate notice to users.

Significant changes will be communicated through email or website notices before taking effect.

Contact Information

For questions about these Terms and Conditions, please contact us using the information provided on our website.