Terms and Conditions
Terms of Service
These Terms and Conditions govern your use of Virellomysta Financial Planning Services and constitute a legally binding agreement between you and our company.
By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.
Definitions
The following definitions apply throughout these Terms and Conditions and help clarify the scope of our agreement.
- Service: Financial planning consultations, analysis, and advisory services provided by Virellomysta Financial Planning Services
- User/Client: Any individual or entity that accesses our website or engages our financial planning services
- Company: Virellomysta Financial Planning Services Sdn Bhd, a Malaysian registered company
- Content: All information, text, graphics, and materials available through our website and services
Use of Our Services
Our services are designed for individuals seeking professional financial planning guidance within the scope of Malaysian regulations.
Permitted Uses
- Accessing information about our financial planning services and consultation offerings
- Scheduling appointments and communicating with our professional team members
- Receiving personalized financial planning advice and recommendations during consultations
User Responsibilities
As a user of our services, you agree to fulfill certain responsibilities to ensure a productive and professional relationship.
- Provide accurate and complete information during consultations and communications
- Maintain confidentiality of any login credentials or access information provided
- Use our services only for lawful purposes and in accordance with these terms
- Notify us promptly of any changes to your contact information or financial circumstances
Prohibited Activities
The following activities are strictly prohibited when using our website or services.
- Attempting to gain unauthorized access to our systems or other users' information
- Using our services for any illegal activities or fraudulent purposes
- Reproducing, distributing, or modifying our content without written permission
- Interfering with the normal operation of our website or services
- Providing false or misleading information during consultations or communications
Intellectual Property
All content on our website and in our communications is protected by Malaysian intellectual property laws and remains the exclusive property of Virellomysta Financial Planning Services.
We grant you a limited, non-transferable license to access and use our content solely for the purpose of receiving our financial planning services.
Privacy and Data Protection
Your privacy is important to us, and we handle your personal information in accordance with our Privacy Policy and applicable Malaysian data protection laws.
Privacy Policy Complete Privacy Policy
Service Disclaimers
Our financial planning services are provided for informational and advisory purposes, and individual results may vary based on numerous factors beyond our control.
We provide our services "as is" without warranties of any kind, express or implied, regarding specific outcomes or results.
Limitation of Liability
Our liability for any claims arising from our services is limited to the amount you have paid for those specific services.
We are not liable for indirect, consequential, or punitive damages arising from the use of our services or website.
Indemnification
You agree to indemnify and hold harmless Virellomysta Financial Planning Services from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Dispute Resolution
We are committed to resolving any disputes fairly and efficiently through established legal processes.
Arbitration Process
Disputes may be resolved through binding arbitration in accordance with Malaysian arbitration rules and procedures.
The arbitration shall be conducted in Kuala Lumpur under the rules of the Malaysian Arbitration Centre.
Alternative Dispute Resolution
For international clients, alternative dispute resolution mechanisms may be available depending on applicable jurisdictions.
Online dispute resolution platforms may be utilized for certain types of disputes involving international clients. Alternative Resolution Information
Please contact us to discuss available dispute resolution options for your specific situation.
Termination of Services
Either party may terminate our service relationship at any time with appropriate notice, subject to completion of ongoing consultation commitments.
Upon termination, your access to our services will cease, but confidentiality obligations will continue to apply to both parties.
These Terms and Conditions are governed by the laws of Malaysia and subject to the jurisdiction of Malaysian courts.
All legal matters relating to this website and our services are governed exclusively by the laws of Malaysia.
Modifications to Terms
We reserve the right to modify these Terms and Conditions at any time to reflect changes in our services or legal requirements.
Significant changes will be communicated through our website or direct notification to active clients.
Severability
If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the complete agreement between you and Virellomysta Financial Planning Services.
Contact Information
For questions about these Terms and Conditions, please contact us using the information provided below.
106-108 Jalan Wong Ah Fook, Bandar Johor Bahru, 80000 Johor Bahru, Johor, Malaysia
These Terms and Conditions were last updated on August 2, 2025
Version 2.1