Terms and Conditions

Acceptance of Terms

By accessing our website, subscribing to our services, or participating in consultations, you acknowledge that you have read, understood, and agree to be bound by these terms

If you do not agree to these terms, please discontinue use of our services immediately

Service Description

Virenquasthilo provides subscription-based financial planning consultation services, including personal financial assessments, budgeting guidance, and goal-oriented planning discussions

Our services are consultative in nature and designed to help you understand financial planning concepts rather than provide specific investment advice

User Responsibilities

As a subscriber to our services, you agree to

• Provide accurate and complete information during consultations
• Use our services for personal financial planning purposes only
• Maintain the confidentiality of your account credentials
• Notify us promptly of any changes to your contact information
• Respect our staff and maintain professional communication standards

Prohibited Uses

You may not use our services or website for any of the following purposes

• Any illegal or unauthorized purpose
• Attempting to gain unauthorized access to our systems
• Sharing your account access with unauthorized third parties
• Using our information for commercial purposes without permission
• Engaging in any activity that disrupts or interferes with our services

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services remain the exclusive property of Virenquasthilo

You may not reproduce, distribute, or create derivative works from our content without explicit written permission

Privacy and Data Protection

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 about how we handle your data Privacy Policy

Payment Terms and Conditions

Subscription fees are charged monthly in advance. By subscribing, you agree to the following payment terms

Service Termination

Either party may terminate the subscription with 30 days written notice. We reserve the right to suspend services for violation of these terms

Upon termination, your access to consultation services will end, though you retain access to previously provided materials

Disclaimers and Warranties

Our services are provided on an "as-is" basis. We make no warranties regarding specific outcomes or results from our financial planning consultations

Limitation of Liability

To the maximum extent permitted by Malaysian law, our liability for any claims related to our services is limited

Our total liability shall not exceed the amount paid for services in the 12 months preceding any claim

Dispute Resolution

We are committed to resolving disputes amicably and efficiently

User Indemnification

You agree to indemnify Virenquasthilo against any claims, damages, or expenses arising from your use of our services or violation of these terms

Governing Law

These terms are governed by the laws of Malaysia, without regard to conflict of law principles

Malaysian courts shall have exclusive jurisdiction over any disputes arising from these terms

Severability

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

Entire Agreement

These terms constitute the complete agreement between you and Virenquasthilo regarding the use of our services

Changes to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated via email or website notice

Continued use of our services after changes constitutes acceptance of the modified terms

Contact Us About Cookies

For questions about these terms or our services, please contact us using the information provided in our contact section