Terms and Conditions

Acceptance of Terms

By accessing and using Melanthorivia's financial planning services, you agree to comply with and be bound by these terms and conditions.

These terms constitute a legally binding agreement between you and Melanthorivia regarding your use of our consultation services.

Definitions

For the purposes of these terms:

• Service: Refers to financial planning consultations and guidance provided by Melanthorivia
• User/You: Refers to any individual or entity accessing or using our services
• Content: Refers to all information, advice, and materials provided through our service
• Account: Refers to your subscription and access credentials for our services

Use of Service

Your use of our financial planning services is subject to the following conditions:

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during consultations
• Maintain confidentiality of your account credentials
• Use our services only for lawful purposes
• Respect intellectual property rights and confidential information

Prohibited Activities

You may not use our services to:

• Violate any applicable laws or regulations
• Share account access with unauthorized third parties
• Attempt to circumvent security measures or access restrictions
• Distribute malicious software or engage in harmful activities
• Misrepresent your identity or provide false information

Intellectual Property

All content, materials, and intellectual property rights belong to Melanthorivia and are protected by applicable laws.

We grant you a limited, non-exclusive license to access and use our services for personal financial planning purposes only.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about data collection and use.

We collect and process personal information necessary to provide our consultation services and comply with legal obligations. Privacy Policy

Service Disclaimers

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

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

Limitation of Liability

To the maximum extent permitted by Malaysian law, our liability is limited to the amount paid for services in the preceding 12 months.

We shall not be liable for indirect, consequential, or punitive damages arising from your use of our services.

User Indemnification

You agree to indemnify and hold Melanthorivia harmless from claims arising from your use of our services or violation of these terms.

Dispute Resolution

For dispute resolution, we participate in alternative dispute resolution procedures.

Account Termination

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

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

Governing Law

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

Terms Modifications

We reserve the right to modify these terms at any time to reflect changes in our services or legal requirements.

Material changes will be communicated through our website or direct notification to active users.

Severability

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

Complete Agreement

These terms, together with our Privacy Policy and service agreements, constitute the entire agreement between you and Melanthorivia.

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