Terms & Conditions

Introduction and Agreement

Welcome to Faryntheosar Financial Planning Services. These Terms and Conditions govern your use of our website and services. By accessing our website or using our services, you agree to comply with and be bound by these terms.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our website or services.

Definitions

For the purposes of these Terms and Conditions, the following terms have the meanings specified:

• • "Company," "we," "us," or "our": Refers to Faryntheosar Financial Planning Sdn Bhd, a company registered in Malaysia
• • "Services": All financial planning consultation services, website content, and related offerings provided by the Company
• • "User," "you," or "your": Any individual or entity that accesses or uses our website or services
• • "Content": All information, text, graphics, images, and other materials available through our website or services

Use of Our Services

By using our services, you agree to the following terms regarding acceptable use:

Your Responsibilities

As a user of our services, you are responsible for:

• • Providing accurate and complete information during consultations
• • Maintaining the confidentiality of your account information
• • Using our services in accordance with these terms
• • Paying all applicable fees on time
• • Notifying us of any changes to your contact information

Intellectual Property

All content, trademarks, logos, and intellectual property on our website and in our services are owned by Faryntheosar Financial Planning or our licensors and are protected by applicable intellectual property laws.

We grant you a limited, non-exclusive license to access and use our services for their intended purpose, subject to these terms.

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy.

Please review our Privacy Policy for detailed information about how we handle your personal data. Privacy Policy

Payment Terms

The following terms apply to all payments for our services:

• • Subscription fees are charged monthly in advance at RM 250 per month
• • All fees are inclusive of applicable Malaysian taxes and VAT
• • Payments are due within 7 days of invoice date
• • Late payments may result in service suspension after 14 days

Limitation of Liability

To the fullest extent permitted by Malaysian law, our liability is limited as follows:

Indemnification

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

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved as follows:

Termination

Either party may terminate the service relationship under the following circumstances:

• • You may cancel your subscription with 30 days written notice
• • We may terminate for breach of these terms with 14 days notice
• • Either party may terminate immediately for material breach

Upon termination, all rights and obligations cease except those that by their nature should survive termination.

Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective 30 days after posting on our website.

We will notify users of significant changes via email or website notification.

Governing Law

Malaysian federal and state laws govern all aspects of our service provision and this disclaimer.

Severability

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

Entire Agreement

These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Faryntheosar Financial Planning regarding our services.

Contact Information

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