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: