Terms and Conditions

Service Agreement

These Terms and Conditions govern your use of Xenoralvitu's financial planning subscription service and website located at Xenoralvitu.

By accessing our website or subscribing to our service, you agree to be bound by these terms and all applicable Malaysian laws.

Key Definitions

For clarity, the following terms have specific meanings in this agreement:

  • Service: Our subscription-based financial planning consultation service, including website access and monthly consultations
  • Subscriber: Any individual who has purchased and maintains an active subscription to our financial planning service
  • Content: All information, advice, tools, and materials provided through our service platform
  • Agreement: These Terms and Conditions together with our Privacy Policy and other referenced policies

Our Service Description

Xenoralvitu provides subscription-based financial planning consultations and guidance. Our service includes monthly consultations, personalized recommendations, and ongoing support for your financial planning needs.

We provide general financial planning guidance and do not offer specific investment advice, tax preparation, or guaranteed financial outcomes.

Eligibility Requirements

To use our service, you must meet the following requirements:

  • Be at least 18 years old and legally capable of entering into contracts
  • Provide accurate and complete information during registration
  • Maintain an active subscription and comply with payment terms

Your Responsibilities

As a subscriber, you agree to:

  • Provide accurate financial information for effective consultation
  • Maintain the confidentiality of your account credentials
  • Use our service only for lawful purposes related to financial planning
  • Notify us promptly of any account or billing issues
  • Respect intellectual property rights in all service content

Prohibited Activities

You may not use our service to:

  • Engage in fraudulent activities or provide false information
  • Share account access with unauthorized third parties
  • Copy, distribute, or commercialize our proprietary content
  • Interfere with service functionality or security measures
  • Use our service for any unlawful or unauthorized purposes

Intellectual Property Rights

All content, tools, methodologies, and materials provided through our service remain the exclusive property of Xenoralvitu and are protected by Malaysian and international copyright laws.

Subscribers receive limited, non-transferable rights to use service content solely for personal financial planning purposes.

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with Malaysian privacy laws and our commitment to data security.

Detailed information about our data practices is available in our Privacy Policy, which forms part of this agreement. Privacy Policy.

Subscription and Payment Terms

Our service operates on a monthly subscription basis at RM 250 per month, including applicable GST. Payment is processed automatically on your billing date.

All fees are non-refundable unless required by Malaysian consumer protection laws. Price changes will be communicated 30 days in advance.

Service Termination

Either party may terminate this agreement with 30 days' written notice. We reserve the right to suspend or terminate accounts for violations of these terms.

Upon termination, your access to service content will cease, though certain legal obligations will survive termination.

Service Disclaimers

Our service is provided for informational and consultation purposes only. We make no guarantees about specific financial outcomes or results.

As-Is Service: Our service is provided "as-is" without warranties of any kind, express or implied, including merchantability or fitness for particular purposes.

Liability Limitations

To the maximum extent permitted by Malaysian law, our liability for any claims related to our service is limited to the amount you paid for the service in the 12 months preceding the claim.

We shall not be liable for indirect, consequential, or punitive damages regardless of the legal theory or cause of action.

Indemnification

Subscribers agree to indemnify Xenoralvitu from any claims, damages, or expenses arising from their use of our service or breach of these terms.

Alternative Dispute Resolution

We encourage resolving disputes through direct communication first, followed by formal dispute resolution if necessary.

Alternative Dispute Resolution

Disputes that cannot be resolved directly may be subject to mediation or arbitration under Malaysian alternative dispute resolution procedures.

Any arbitration will be conducted in Kuala Lumpur under Malaysian Arbitration Act provisions.

Consumer Protection

Malaysian consumer protection laws provide additional rights that cannot be waived by contract.

Consumers may access dispute resolution mechanisms through appropriate Malaysian consumer protection agencies. View ODR Information

Applicable Law

These terms are governed by Malaysian federal law and the laws of the state where our registered office is located.

Severability

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

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Xenoralvitu regarding our service.

Terms Modifications

We may update these terms to reflect changes in our service or applicable laws. Material changes will be communicated at least 30 days before taking effect.

Continued use of our service after changes take effect constitutes acceptance of the modified terms.

Contact Information

For questions about these terms or our service, please contact us using the information provided in our main contact section.

Email: info@xenoralvitu.com

Phone: +601916204837

Address: Lebuh Farquhar, 10200 George Town, Penang, Malaysia

August 4, 2025

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