Important Legal Disclaimers

The information provided through our subscription service is for general informational purposes only and should not be considered as personalized financial advice for your specific situation.

We make no guarantees regarding specific financial outcomes or results from using our planning services.

Our liability is limited as follows under Malaysian law and these terms of service.

• We exclude liability for indirect, consequential, or punitive damages arising from use of our services.
• Our total liability shall not exceed the amount paid for subscription services in the preceding 12 months.
• We are not liable for decisions made based on general guidance provided through our planning consultations.
• Force majeure events, technical failures, or third-party service interruptions are excluded from our liability.

While we strive to provide accurate and current information, we cannot guarantee the completeness or accuracy of all content provided through our subscription service.

All information is provided on an "as is" basis without warranties of any kind, express or implied.

Information, recommendations, and market conditions may change without notice, and past guidance may become outdated.

Our subscription service provides general financial planning guidance and should not replace professional advice tailored to your specific circumstances.

Always consult qualified financial advisors, tax professionals, or legal experts before making significant financial decisions.

Our service may reference external websites, tools, or resources that are not under our control or responsibility.

References to external resources do not constitute endorsements, and we are not responsible for their content, accuracy, or availability.

Individual results may vary

There are no typical results, and success depends on individual circumstances, commitment, and market conditions.

Your financial outcomes will depend on your specific situation, goals, discipline, and external economic factors beyond our control.

These disclaimers are governed by the laws of Malaysia, and any disputes will be resolved in Malaysian courts.

Malaysian federal and state laws apply to all aspects of our service relationship and these disclaimers.

Local regulations in your area may impose additional requirements or restrictions not covered by these disclaimers.

You agree to indemnify and hold harmless Zonelaphoriva from claims arising from your use of our services or violation of these disclaimers.

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

These disclaimers, together with our Terms and Privacy Policy, constitute the complete agreement regarding limitations and disclaimers.

We reserve the right to modify these disclaimers at any time, with changes effective upon posting to our website.

Continued use of our services after modifications constitutes acceptance of the updated disclaimers.

For questions about these disclaimers or our services, please contact us using the information below.