Important Disclaimers
Past performance does not guarantee future results
Financial planning involves risk and individual circumstances vary significantly. Results may vary.
General Information Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the completeness, accuracy, or reliability of any information on this site.
This disclaimer applies to all content, services, and communications provided through our website and subscription service.
Limitation of Liability
To the fullest extent permitted by Malaysian law, Xenoralvitu shall not be liable for any damages arising from:
- Any financial decisions made based on information provided through our service
- Technical issues, service interruptions, or data transmission errors
- Third-party actions or external market conditions affecting your financial situation
- Indirect, consequential, or punitive damages regardless of the cause of action
Information Accuracy and Currency
While we make every effort to ensure information accuracy, financial markets and regulations change frequently. We cannot guarantee that all information remains current or applicable to your specific situation at all times.
Important Note: Always verify current rates, regulations, and market conditions independently before making financial decisions.
No Professional Advisory Relationship
Our subscription service provides general financial planning discussions and consultations. We do not provide:
- Specific investment recommendations or securities advice
- Tax preparation or legal advisory services
- Insurance sales or detailed product recommendations
- Guaranteed financial outcomes or performance promises
External Links and Third-Party Content
Our website may contain links to external websites or reference third-party financial tools and resources for your convenience.
Xenoralvitu is not responsible for the content, accuracy, or practices of external websites or third-party services.
Service Warranties
Our subscription service is provided on an "as-is" basis without warranties of any kind.
Warranty Disclaimer: We disclaim all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
User Indemnification
Subscribers agree to indemnify and hold harmless Xenoralvitu from any claims, damages, or expenses arising from their use of our service or financial decisions made based on our consultations.
Governing Law and Jurisdiction
These disclaimers and any disputes arising from our service are governed by Malaysian law.
Applicable Law: Malaysian federal and state laws govern all aspects of our service and these disclaimers.
Dispute Resolution: Any disputes shall be resolved in the appropriate Malaysian courts or through alternative dispute resolution mechanisms as required by local law.
Specific provisions may vary based on your state or territory within Malaysia.
Severability Clause
If any provision of this disclaimer is found unenforceable, the remaining provisions shall continue in full force and effect.
Changes to Disclaimers
We reserve the right to modify these disclaimers at any time to reflect changes in our service or applicable regulations.
Please review this disclaimer periodically for updates and changes.
Contact Information
For questions about these disclaimers or our service, please contact us:
Email: info@xenoralvitu.com
Phone: +601916204837
Address: Lebuh Farquhar, 10200 George Town, Penang, Malaysia
Acceptance of Terms
By using our website and subscription service, you acknowledge that you have read, understood, and agree to be bound by these disclaimers.
August 14, 2025