Terms and Conditions

Acceptance of Terms

By accessing and using Selvarquassa services, you accept and agree to be bound by these Terms and Conditions.

If you do not agree to these terms, please do not use our website or services.

Definitions

The following terms have specific meanings within this agreement

• Service: Financial planning consultations and related services provided by Selvarquassa
• User/Client: Any individual or entity using our website or services
• Content: All information, text, documents, and materials provided through our service
• Agreement: These Terms and Conditions and any referenced policies

Use of Service

Your use of our services is subject to the following conditions

Permitted Uses

• Accessing consultation services for personal financial planning purposes
• Using website resources and information for legitimate planning needs
• Communicating with our team regarding service-related matters

Prohibited Uses

• Using services for any unlawful or fraudulent purposes
• Attempting to gain unauthorized access to our systems
• Sharing confidential information with unauthorized parties
• Using services to compete with or replicate our business

User Responsibilities

As a user of our services, you agree to

• Provide accurate and complete information during consultations
• Maintain confidentiality of any access credentials
• Notify us of any changes to your contact information
• Use services in accordance with applicable laws and regulations

Intellectual Property

All content, trademarks, and intellectual property on our website and in our services remain the property of Selvarquassa.

You may not reproduce, distribute, or create derivative works without written permission.

We grant you a limited, non-exclusive license to use our services for their intended purpose.

Privacy and Data Protection

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

We collect and process personal information as described in our Privacy Policy and as necessary for service delivery. Privacy Policy

Payment and Subscription Terms

Subscription services are subject to the following payment terms

• Monthly subscription fees are charged in advance on the same date each month
• All fees are inclusive of applicable taxes unless otherwise specified
• Payment methods and billing cycles are confirmed during subscription setup

Disclaimers

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

We disclaim all warranties regarding service availability, accuracy, or fitness for particular purposes.

Limitation of Liability

Our liability for any claims arising from service use is limited to the amount paid for services in the preceding 12 months.

We shall not be liable for indirect, consequential, or punitive damages under any circumstances.

Indemnification

Users agree to indemnify Selvarquassa against claims arising from their use of services or violation of these terms.

Termination

Either party may terminate the service relationship with 30 days written notice.

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

Dispute Resolution

We encourage direct communication to resolve any disputes. However, formal dispute resolution follows these procedures

Governing Law

Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of Malaysian courts.

Changes to Terms

We reserve the right to modify these terms at any time with notice to active subscribers.

Continued use of services after changes constitutes acceptance of modified terms.

Entire Agreement

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

Contact Information

For questions about these terms and conditions, please contact us