Terms and Conditions

These terms govern your use of our website and services. Please read them carefully before proceeding.

Effective Date: July 31, 2025

Last updated: August 2, 2025

Acceptance of Terms

By accessing our website or using our services, you agree to be bound by these terms and conditions

If you do not agree with any part of these terms, please do not use our services

Definitions

For the purposes of these terms:

  • "Company": Refers to Quorathilvia and its affiliated entities
  • "Services": Financial planning consultations and related advisory services
  • "User": Any individual or entity accessing our website or services
  • "Content": All information, text, graphics, and materials on our website

Use of Services

Your use of our services is subject to the following conditions:

Permitted Uses

  • Access services for legitimate financial planning purposes
  • Provide accurate information during consultations
  • Respect intellectual property and confidentiality

Prohibited Uses

  • Using services for illegal or unauthorized purposes
  • Attempting to access restricted areas of our systems
  • Distributing harmful or malicious content
  • Violating applicable laws or regulations

User Responsibilities

As a user of our services, you are responsible for:

  • Maintaining the confidentiality of your account information
  • Providing accurate and complete information
  • Notifying us of any unauthorized account access
  • Complying with all applicable laws and regulations

Intellectual Property

All content on our website is protected by copyright and other intellectual property laws

Unauthorized reproduction or distribution is strictly prohibited

Privacy

Your privacy is important to us. Our data handling practices are governed by our Privacy Policy

Please review our Privacy Policy for detailed information about data collection and use Privacy Policy

Disclaimers

The following disclaimers apply to our services:

  • Past performance does not guarantee future results
  • Individual results may vary based on personal circumstances
  • We do not provide guarantees regarding financial outcomes

Limitation of Liability

Our liability is limited to the maximum extent permitted by law

In no event shall our liability exceed the fees paid for services in the preceding 12 months

Indemnification

You agree to indemnify and hold us harmless 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 disputes fairly and efficiently.

Arbitration

Disputes shall be resolved through binding arbitration in accordance with Malaysian arbitration rules

The arbitration shall be conducted in English in Kuala Lumpur, Malaysia

International Dispute Resolution

International clients may access appropriate dispute resolution mechanisms

Alternative dispute resolution options are available for cross-border disputes Learn More

Governing Law

These terms shall be governed by and construed in accordance with Malaysian law

Termination

Either party may terminate the service relationship with appropriate notice

Upon termination, all rights and obligations shall cease except those that by nature should survive

Modifications

We reserve the right to modify these terms at any time

Changes will be effective upon posting to our website with updated date notification

Entire Agreement

These terms constitute the complete agreement between you and our company regarding use of our services

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force

Contact Information

For questions about this disclaimer, please contact us:

info@quorathilvia.com

+60 12 7542 6948

15 Jalan Ampang, Kuala Lumpur 50450