Important Disclaimers
Past performance does not guarantee future results
Financial planning involves risks and results may vary based on individual circumstances and market conditions
General Information Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as professional financial advice. All content is provided in good faith, however we make no representation or warranty of any kind regarding accuracy, adequacy, validity, reliability, or completeness of any information.
This disclaimer applies to all services, consultations, and information provided through our platform and communications.
Limitation of Liability
Under no circumstance shall Novarilumetos or its affiliates be liable for any direct, indirect, special, incidental, or consequential damages arising from your use of our services.
We expressly disclaim all liability for actions taken or not taken based on the content provided.
- Loss of profits or revenue
- Business interruption or loss of business opportunity
- Loss of data or information
- Any indirect or consequential losses
In any event, our total liability shall not exceed the amount paid by you for our services in the preceding 12 months.
Information Accuracy
While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content presented.
We make no warranties about the accuracy, reliability, completeness, or timeliness of the material, services, software, text, graphics, and links provided.
Users are advised to independently verify all information before making any financial decisions.
Professional Advice Disclaimer
Our consultations are for informational purposes and do not constitute professional financial, legal, or tax advice.
Always consult with qualified professionals before making significant financial decisions.
Third-Party Links
Our website may contain links to external websites that are not provided or maintained by us.
We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.
Financial Information Disclaimer
All financial information and guidance provided is subject to the following important considerations
- Market conditions can change rapidly and past trends may not continue
- Personal financial situations vary significantly between individuals
- Consultation outcomes depend on your commitment to implementing guidance
- External economic factors may impact financial planning effectiveness
Individual results may vary based on personal circumstances, market conditions, and implementation of guidance provided
Governing Law and Jurisdiction
These disclaimers and all related matters are governed by the laws of Malaysia.
Local Regulatory Compliance
Our services comply with Malaysian financial regulations and consumer protection laws.
- All disputes shall be subject to the exclusive jurisdiction of Malaysian courts
- Services are provided in accordance with Bank Negara Malaysia guidelines
- Consumer rights are protected under Malaysian Consumer Protection Act
Any disputes arising from our services will be resolved through Malaysian legal procedures and alternative dispute resolution mechanisms where applicable.
User Indemnification
You agree to indemnify and hold harmless Novarilumetos from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Disclaimer Modifications
We reserve the right to modify this disclaimer at any time without prior notice.
Your continued use of our services after changes constitutes acceptance of the updated disclaimer.
Contact Information
For questions about this disclaimer or our services, please contact us using the information below
Email: contact@novarilumetos.com
Phone: +60 17 2236 1026
Address: Presint Merdeka 118, Jalan Hang Jebat, Kuala Lumpur, Malaysia
Last Updated: July 25, 2025