Terms & Conditions
Last updated: July 27, 2025
Agreement to Terms
Welcome to Teravolunqira's Terms and Conditions. By accessing our website and using our services, you agree to be bound by these terms.
These terms constitute a legally binding agreement between you and Teravolunqira Financial Planning Services Sdn. Bhd., governed by Malaysian law.
Use of Our Services
Our financial planning consultation services are provided subject to the following terms and conditions of use.
- Services are for personal financial planning purposes only
- You must provide accurate information during consultations
- Monthly subscription fees are billed in advance at RM 250 per month
- Consultations are scheduled based on mutual availability
Your Responsibilities
As a user of our services, you agree to the following responsibilities and obligations.
Your Obligations
- Provide accurate and complete financial information
- Attend scheduled consultation sessions punctually
- Implement guidance at your own discretion and risk
- Maintain confidentiality of proprietary planning methods
Prohibited Uses
You may not use our services or website for any of the following purposes:
- Any unlawful purpose or to solicit unlawful activity
- Sharing consultation content with unauthorized third parties
- Attempting to reverse-engineer our planning methodologies
- Using our services to compete with our business
- Disrupting or interfering with our website or services
Intellectual Property Rights
All content, materials, and intellectual property on our website and in our consultations remain the exclusive property of Teravolunqira
You may not reproduce, distribute, or create derivative works without our written permission
Privacy Policy
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information
Please review our Privacy Policy, which is incorporated into these terms by reference Privacy Policy
Termination
Either party may terminate the service relationship with 30 days written notice. We reserve the right to terminate immediately for breach of terms
Upon termination, you remain responsible for all fees incurred and must cease using our proprietary information
Disclaimers
Our consultation services are provided for informational and planning purposes only and do not constitute professional financial advice
Services are provided "as is" without warranties of any kind, express or implied
We make no warranties regarding the accuracy, completeness, or suitability of our guidance for your specific situation
Limitation of Liability
To the maximum extent permitted by Malaysian law, our liability is limited to the amount of fees you have paid for services
We shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services
Indemnification
You agree to indemnify and hold Teravolunqira harmless from any claims, damages, or expenses arising from your use of our services or breach of these terms
Dispute Resolution
Any disputes arising from these terms or our services shall be resolved through the following process:
Arbitration
Disputes shall first be addressed through good faith negotiation, followed by binding arbitration if necessary
Arbitration shall be conducted under Malaysian Arbitration Act 2005 rules
Alternative Dispute Resolution
Malaysian consumers may contact the Financial Mediation Bureau for assistance with financial service disputes
For international clients, alternative dispute resolution options may be available: Learn about dispute resolution
Governing Law
These terms are governed by Malaysian federal and state laws
Malaysian courts have exclusive jurisdiction over any legal proceedings related to these terms
Changes to Terms
We may modify these terms at any time by posting updated terms on our website
Material changes will be communicated via email to active subscribers
Entire Agreement
These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Teravolunqira
Contact Information
If you have questions about these terms, please contact us using the information provided below
Company: Teravolunqira
Address: Level 32, Ilham Tower, 8 Jalan Binjai, 50450 Kuala Lumpur
Email: info@teravolunqira.com
Phone: +60 3 7820 7824