Terms and Conditions

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement.

These terms constitute a legally binding agreement between you and Elunariqosam Financial Planning.

Definitions

For the purposes of these terms:

• Service: Refers to the financial planning consultation services provided by Elunariqosam Financial Planning
• User: Any individual who accesses or uses our website and services
• Content: All information, text, graphics, and materials available on this website
• Agreement: These Terms and Conditions as updated from time to time

Use of Service

Your use of our service is subject to the following terms:

Eligibility

You must be at least 18 years old to use our services and enter into this agreement.

18+ only

User Responsibilities

• Provide accurate and complete information
• Maintain confidentiality of your account information
• Notify us immediately of any unauthorized use

Prohibited Uses

You may not use our service to:

• Violate any applicable laws or regulations
• Transmit harmful, offensive, or inappropriate content
• Interfere with website functionality or security
• Attempt to gain unauthorized access to our systems
• Use our service for any fraudulent or illegal purpose

Intellectual Property

All content on this website is owned by Elunariqosam Financial Planning and protected by copyright and other intellectual property laws.

User Content

By submitting content to us:

You grant us a non-exclusive license to use, modify, and display such content for service provision

You remain responsible for all content you submit and warrant it does not violate any rights or laws

Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Please review our Privacy Policy for detailed information: Privacy Policy

Disclaimers

Limitation of Liability

Our liability to you is limited to the maximum extent permitted by law.

We shall not be liable for indirect, incidental, special, consequential, or punitive damages.

Indemnification

You agree to indemnify Elunariqosam Financial Planning from claims arising from your use of our services or violation of these terms.

Dispute Resolution

Disputes will be resolved through the following mechanisms:

Termination

We reserve the right to terminate or suspend your access to our services at any time for violation of these terms.

Upon termination, your right to use our services ceases immediately.

Governing Law

These terms are governed by the laws of Malaysia, and disputes will be subject to the jurisdiction of Malaysian courts.

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Elunariqosam Financial Planning.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting.

Your continued use of our services after changes constitutes acceptance of the modified terms.

Contact Information

For questions about these terms, contact us at info@elunariqosam.com or +60 17 1424 5608 .