Terms and Conditions

Service Agreement

These terms and conditions govern your use of Novarilumetos financial planning consultation services provided through our platform.

By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

Definitions

For the purposes of these terms, the following definitions apply

• "Services": Financial planning consultations, guidance, and related advisory services provided by Novarilumetos
• "Client" or "You": Any individual who engages our services or uses our platform
• "Platform": Our website, application, and associated digital services
• "Consultation": Professional advisory sessions regarding financial planning matters

Service Usage Terms

Your use of our services is subject to the following terms and conditions.

Eligibility Requirements

You must be at least 18 years old and have the legal capacity to enter into binding agreements. Services are available to residents of Malaysia and may be subject to additional restrictions.

Your Responsibilities

• Provide accurate and complete information during consultations
• Maintain the confidentiality of any account credentials
• Use services only for legitimate financial planning purposes
• Comply with all applicable laws and regulations

Prohibited Activities

The following activities are strictly prohibited when using our services

Intellectual Property Rights

All content, materials, and intellectual property on our platform remain the exclusive property of Novarilumetos and its licensors.

You may not copy, modify, distribute, or create derivative works from our content without explicit written permission.

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

Payment Terms

Payment for services is subject to the following terms

• Fees are due as specified in your service agreement or pricing page
• All prices include applicable Malaysian taxes unless stated otherwise
• Payment methods accepted include major credit cards and bank transfers
• Refunds are subject to our service-specific refund policies

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

Service Disclaimers

Our services are provided "as is" without warranties of any kind, either express or implied.

We disclaim all warranties regarding the accuracy, completeness, or timeliness of information provided during consultations.

Please refer to our comprehensive Disclaimer document for additional important limitations and notices.

Liability Limitations

Our liability for any claims arising from our services shall be limited to the amount paid by you for services in the preceding 12 months.

We exclude liability for indirect, incidental, special, or consequential damages arising from your use of our services.

User Indemnification

You agree to indemnify and hold harmless Novarilumetos from any claims, damages, or expenses arising from your use of our services or breach of these terms.

Dispute Resolution

Disputes arising from these terms or our services shall be resolved as follows

Service Termination

Either party may terminate the service relationship with appropriate notice as specified in individual service agreements.

Upon termination, your access to our platform will cease, but these terms shall remain in effect for previously completed services.

Governing Law

These terms are governed by Malaysian law and subject to the exclusive jurisdiction of Malaysian courts.

Terms Modifications

We reserve the right to modify these terms at any time with appropriate notice to existing clients.

Significant changes will be communicated via email or prominent website notices before taking effect.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue to be valid and enforceable.

Complete Agreement

These terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Novarilumetos regarding our services.

Contact Us About Cookies

For questions about these terms and conditions, please contact us using the information provided on our contact page.