Terms and Conditions
These terms govern your use of our website and subscription services. Please read them carefully before using our services.
Last Updated: July 28, 2025
Acceptance of Terms
By accessing our website or subscribing to our services, you agree to be bound by these terms and conditions.
If you do not agree to these terms, please discontinue use of our services immediately.
Definitions
For clarity, the following terms have specific meanings throughout this agreement
- "Service": Our financial planning consultation and analytical review subscription service
- "User" or "Client": Any individual who accesses our website or subscribes to our services
- "Company" or "We": Marionelquavi Financial Planning Sdn Bhd and its employees
- "Content": All information, materials, and guidance provided through our services
Service Description
We provide subscription-based financial planning consultations and analytical reviews. Our service includes general guidance and educational discussions about financial planning concepts.
We do not provide specific product recommendations or manage client assets directly.
User Eligibility
To use our services, you must meet these requirements
- Be at least 18 years of age
- Have legal capacity to enter into binding agreements
- Provide accurate information during registration
User Responsibilities
As a user of our services, you agree to
- Provide accurate and complete information
- Use our services only for lawful purposes
- Maintain confidentiality of your account information
- Respect intellectual property rights
- Comply with all applicable laws and regulations
Prohibited Uses
You may not use our services for
- Any illegal or unauthorized purpose
- Violating any applicable laws or regulations
- Sharing account access with unauthorized parties
- Attempting to reverse engineer our systems
- Harassing or disrupting other users or our staff
Intellectual Property Rights
All content, materials, and intellectual property on our website remain the exclusive property of Marionelquavi Financial Planning Sdn Bhd.
Users may not reproduce, distribute, or create derivative works without express written permission.
Privacy Policy
Your privacy is important to us. Our data collection and use practices are governed by our Privacy Policy.
Please review our Privacy Policy for detailed information about data handling Privacy Policy
Payment and Subscription Terms
Subscription fees are charged monthly in advance. All prices include applicable taxes unless otherwise stated.
Payment Methods: We accept major credit cards and bank transfers for subscription payments
Billing Cycle: Monthly subscriptions are billed on the same date each month
Refund Policy: Subscription fees are non-refundable except as required by applicable consumer protection laws
Limitation of Liability
Our liability is limited to the maximum extent permitted by Malaysian law. We shall not be liable for any indirect, incidental, or consequential damages.
In no event shall our total liability exceed the amount paid for services in the preceding 12 months.
Indemnification
You agree to indemnify and hold us harmless from claims arising from your use of our services or violation of these terms.
Dispute Resolution
We encourage resolving disputes through direct communication first. If unsuccessful, the following procedures apply
Arbitration
Disputes may be resolved through binding arbitration in accordance with Malaysian arbitration rules.
Arbitration Rules: Asian International Arbitration Centre (AIAC) rules shall govern arbitration proceedings
Consumer Dispute Resolution
Malaysian consumers may access dispute resolution through relevant consumer protection agencies.
Online Dispute Resolution: SC Investor Complaint Portal
Consumer rights under Malaysian law remain unaffected by these terms
Termination
Either party may terminate the subscription with appropriate notice. We may terminate immediately for breach of terms.
- Material breach of these terms and conditions
- Fraudulent or illegal use of our services
- Non-payment of subscription fees
Governing Law
These terms are governed by Malaysian law. Malaysian courts have exclusive jurisdiction over any disputes.
Changes to Terms
We may update these terms periodically. Significant changes will be communicated through email or website notices.
Continued use after changes constitutes acceptance of modified terms
Severability
If any provision is found unenforceable, the remaining terms shall remain in full effect.
Entire Agreement
These terms constitute the complete agreement between you and Marionelquavi Financial Planning Sdn Bhd regarding use of our services.
Contact Information
For questions about these terms, please contact us using the information provided in our contact section.
Email: info@marionelquavi.com
Phone: +60 17 318 9064
Address: Level 35, The Gardens South Tower, Mid Valley City, Lingkaran Syed Putra, 59200 Kuala Lumpur
By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.