Disclaimer
Last Updated: July 31, 2025
Past performance does not guarantee future results
Financial planning involves risks and individual results may vary significantly
General Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as professional financial advice. All content is provided in good faith, however we make no representation or warranty of any kind regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information.
This website provides general information about financial planning services and does not constitute personalized financial advice tailored to your specific circumstances.
Limitation of Liability
Under no circumstances shall Elunariqosam Financial Planning be liable for any of the following:
- Direct, indirect, incidental, or consequential damages arising from use of this website
- Loss of profits, revenue, data, or business opportunities resulting from reliance on information provided
- Errors, omissions, or interruptions in service or website functionality
- Any decisions made based solely on information found on this website without professional consultation
Information Accuracy
While we strive to keep information current and accurate, financial markets and regulations change frequently. Information may become outdated or contain inadvertent errors.
We make no guarantees regarding the accuracy, completeness, or timeliness of any information presented on this website.
Users are advised to verify all information independently and consult with qualified professionals before making financial decisions.
Professional Advice Disclaimer
The content on this website does not constitute professional advice in the following areas:
- Specific financial or planning recommendations tailored to individual circumstances
- Legal advice regarding financial contracts, regulations, or compliance matters
- Tax planning strategies or advice regarding tax implications of financial decisions
- Always consult qualified professionals before implementing any financial strategies discussed on this website.
External Links
This website may contain links to external websites operated by third parties. We have no control over the content, privacy policies, or practices of these external sites.
Links to external websites do not constitute endorsement of their content, services, or business practices.
Results Disclaimer
Individual results may vary
We do not guarantee specific outcomes, returns, or results from our financial planning services.
Success in financial planning depends on numerous factors including individual circumstances, market conditions, and personal commitment to recommended strategies.
Governing Law and Jurisdiction
This disclaimer and your use of this website are governed by:
Applicable Law: Laws of Malaysia
Jurisdiction: Malaysian courts have exclusive jurisdiction over any disputes arising from use of this website
Local laws may vary and users are responsible for compliance with applicable regulations in their jurisdiction.
Indemnification
Users agree to indemnify and hold harmless Elunariqosam Financial Planning from any claims, damages, or expenses arising from misuse of information provided on this website or failure to seek appropriate professional advice.
Severability
If any provision of this disclaimer is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Changes to This Disclaimer
We reserve the right to modify this disclaimer at any time. Changes become effective immediately upon posting to this website.
Please review this disclaimer periodically for any updates or modifications.
Contact Information
For questions about this disclaimer or our services, please contact us:
Email: info@elunariqosam.com
Phone: +60 17 1424 5608
Address: 15 Jalan Sultan Ismail, Kuala Lumpur 50250
Acceptance of Terms
By using this website, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.