Terms and Conditions

Terms of Service

These terms govern your use of our financial planning subscription service and establish the framework for our professional relationship

By subscribing to our service, you agree to be bound by these terms and conditions

Definitions

Key terms used throughout this agreement:

  • Service: Our subscription-based financial planning consultation and analytical review service
  • User/Client: Individual or entity subscribing to and using our financial planning service
  • Consultation: Professional discussions and analytical reviews provided as part of the subscription service
  • Platform: Our website, systems, and communication channels used to deliver services

Service Usage

Guidelines for appropriate use of our financial planning service

Permitted Uses

  • Accessing consultations and analytical reviews included in your subscription
  • Receiving personalized financial planning guidance and recommendations
  • Using provided materials and resources for personal financial planning purposes

User Responsibilities

As a subscriber, you agree to:

  • Provide accurate and complete information necessary for effective consultations
  • Maintain confidentiality of login credentials and account access
  • Use services in accordance with applicable laws and regulations
  • Pay subscription fees on time and maintain current payment information

Prohibited Activities

The following activities are not permitted:

  • Sharing account access or subscription benefits with unauthorized parties
  • Using services for illegal activities or fraudulent purposes
  • Attempting to reverse-engineer or compromise our systems
  • Misrepresenting your identity or financial situation
  • Using consultations to provide advice to third parties commercially

Intellectual Property Rights

All content, methodologies, and materials provided through our service remain our intellectual property and are protected by applicable laws

All materials, designs, and content are protected by Malaysian copyright law and international treaties

Privacy and Data Protection

We handle your personal and financial information in accordance with our Privacy Policy and applicable data protection laws

Please review our Privacy Policy for detailed information about data handling practices Privacy Policy

Limitation of Liability

Our liability is limited to the maximum extent permitted by Malaysian law

Maximum Liability

Total liability shall not exceed the subscription fees paid in the 12 months preceding any claim

Alternative Dispute Resolution

We encourage resolution of disputes through direct communication, but formal mechanisms are available if needed

Dispute Resolution Process

Unresolved disputes will be handled through Malaysian courts or alternative dispute resolution

Any arbitration will be conducted according to Malaysian Arbitration Act 2005

Consumer Protection

Malaysian consumer protection laws apply to our service relationship

For consumer disputes, contact the Malaysian Consumer Claims Tribunal: Consumer Tribunal Information

Indemnification

Users agree to indemnify us against claims arising from misuse of services or violation of these terms

Service Termination

Either party may terminate the subscription with 30 days written notice

Upon termination, access to services will cease but previously provided consultations and materials may be retained

Applicable Law

These terms are governed by the laws of Malaysia and any disputes will be resolved in Malaysian jurisdiction

Severability

If any provision is found invalid, the remaining terms continue in full effect

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between parties

Terms Modifications

We may update these terms with 30 days notice to subscribers

Material changes will be communicated through email and website notifications

Contact Details

For questions about these terms, contact us at info@trovianquelyso.com

Email: info@trovianquelyso.com

Phone: +60 3 9166 3965

Address: 21 Jalan Sultan Ahmad Shah, Kuala Lumpur

Last Updated: August 4, 2025

Effective Date: August 27, 2025