Terms and Conditions of Service

Agreement to Terms and Conditions

These Terms and Conditions govern your use of Dravexilonia Financial Planning's subscription services and website. Please read them carefully before subscribing to our services.

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

Definitions and Key Terms

For clarity, the following terms have specific meanings throughout this agreement

• • "Services": Our financial planning subscription service including monthly consultations, analysis, and professional guidance
• • "Subscriber": Any individual or entity that has purchased access to our subscription services
• • "Platform": Our website, mobile applications, and related digital services
• • "Professional Content": All financial guidance, analysis, reports, and recommendations provided through our services

Service Usage Guidelines

Your subscription grants you specific rights and responsibilities regarding service usage

Permitted Uses

• • Personal use of consultations and guidance for your own financial planning needs
• • Downloading and storing materials provided during your subscription period
• • Requesting clarifications and follow-up consultations within your subscription terms

Prohibited Activities

• • Sharing account access or subscription materials with unauthorized third parties
• • Using our services for commercial purposes without written authorization
• • Attempting to reverse-engineer, copy, or redistribute our proprietary content
• • Providing false or misleading information during consultations
• • Using our platform to transmit harmful, illegal, or inappropriate content

Subscriber Responsibilities and Obligations

As a subscriber, you are responsible for

• • Providing accurate and complete information for effective financial planning
• • Maintaining the confidentiality of your account credentials
• • Notifying us promptly of any changes to your financial situation or goals
• • Using our guidance responsibly and seeking additional professional advice when appropriate
• • Complying with all applicable laws and regulations in your jurisdiction

Account Management and Access

Your subscription account is subject to the following terms

• • Accounts are personal and non-transferable without our written consent
• • You must maintain current and accurate contact information
• • We reserve the right to suspend accounts for violation of these terms
• • Account data may be retained according to our Privacy Policy and legal requirements

Subscription Fees and Payment Terms

Payment for subscription services is governed by these terms

• • Monthly subscription fees are charged in advance on your billing date
• • All fees include applicable Malaysian taxes and are non-refundable
• • Failed payments may result in service suspension after reasonable notice
• • Fee changes require 30 days advance notice to active subscribers

Refunds are not provided except as required by Malaysian consumer protection laws or in cases of service failure on our part.

Intellectual Property Rights

All content, materials, and intellectual property provided through our services remain the exclusive property of Dravexilonia Financial Planning.

Your subscription grants you a limited, non-exclusive license to use our content for personal financial planning purposes only.

Commercial use, reproduction, or distribution of our proprietary content is strictly prohibited without written authorization.

Privacy and Data Protection

We collect and process your personal information in accordance with our Privacy Policy and applicable data protection laws.

Please review our complete Privacy Policy for detailed information about our data practices. Privacy Policy

Service Disclaimers and Warranties

Our services are provided with the following important disclaimers

We provide no guarantees regarding specific financial outcomes or results from implementing our guidance.

Services are provided "as is" without warranties of any kind, express or implied.

Limitation of Liability

Our liability for any damages is limited to the amount paid for subscription services in the 12 months preceding any claim.

Under no circumstances shall our total liability exceed RM 10,000 regardless of the nature of the claim.

User Indemnification

Subscribers agree to indemnify Dravexilonia Financial Planning against claims arising from misuse of services or violation of these terms.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through the following mechanisms

Service Termination and Account Closure

Either party may terminate the subscription relationship with 30 days written notice.

Upon termination, access to services ceases immediately, though certain provisions of these terms survive termination.

Governing Law and Jurisdiction

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

Modifications to Terms and Conditions

We may modify these terms periodically to reflect changes in our services, legal requirements, or business practices.

Significant changes will be communicated through email or prominent website notices with reasonable advance notice.

Entire Agreement and Severability

These terms constitute the entire agreement between parties and supersede all prior agreements or understandings.

Contact Information

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