Terms and Conditions

Terms of Service Agreement

These Terms and Conditions govern your use of Lavenorquast Financial Planning services and website.

By accessing our services, you agree to be bound by these terms and all applicable laws and regulations.

Definitions

The following terms have specific meanings within this agreement.

• • Services: Financial planning consultations, analytical reviews, and related advisory services provided through our subscription model.
• • User/Client: Any individual or entity that accesses or uses our services or website.
• • Subscription: Monthly recurring payment arrangement for ongoing access to our financial planning services.
• • Content: All information, materials, and resources provided through our website and services.

Service Usage Terms

Your use of our services is subject to the following conditions and restrictions.

Permitted Uses

• • Personal financial planning and consultation purposes
• • Accessing information and resources for individual use
• • Communication with our planning professionals

Prohibited Uses

• • Sharing account access with unauthorized parties
• • Attempting to reverse-engineer or copy our systems
• • Using services for illegal or fraudulent activities
• • Distributing our proprietary content without permission

Your Responsibilities

As a user of our services, you agree to the following responsibilities and obligations.

• • Provide accurate and complete information for consultations
• • Maintain the confidentiality of your account credentials
• • Comply with all applicable laws and regulations
• • Respect intellectual property rights
• • Use services in good faith and for legitimate purposes

Intellectual Property Rights

All content, designs, trademarks, and materials on our website and in our services are owned by Lavenorquast Financial Planning and protected by intellectual property laws.

You may not copy, modify, distribute, or create derivative works without our express written permission.

Privacy and Data Protection

Your privacy is important to us, and we handle your personal information in accordance with applicable data protection laws.

Detailed information about our data practices is available in our separate Privacy Policy document. Privacy Policy

Payment and Subscription Terms

The following terms apply to subscription payments and billing arrangements.

• • Monthly subscription fee of $250 billed in advance
• • Prices include applicable taxes and VAT where required
• • Automatic renewal unless cancelled with 30 days notice
• • Refunds are not provided for partial month cancellations

Limitation of Liability

Our liability for any damages arising from use of our services is limited to the maximum extent permitted by law.

In no event shall our total liability exceed the amount paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Lavenorquast Financial Planning from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

We encourage resolution of disputes through direct communication and alternative dispute resolution methods before pursuing formal legal action.

Service Termination

Either party may terminate the service relationship with appropriate notice as specified in the payment terms.

Upon termination, access to services will cease and certain provisions of these terms shall survive termination.

Terms Modifications

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

Material changes will be communicated to active subscribers through email or account notifications.

Governing Law

These terms are governed by Malaysian law, and any disputes shall be subject to the jurisdiction of Malaysian courts.

Severability

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

Entire Agreement

These terms, together with our Privacy Policy and other referenced documents, constitute the complete agreement between the parties.

Contact Information

Questions about these Terms and Conditions should be directed to our customer service team using the contact information provided.