Important Disclaimer

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. All content is subject to change without notice and may not reflect current market conditions or regulatory requirements.

This disclaimer governs your use of our website and services, outlining important limitations and considerations regarding the information and guidance we provide.

Not Professional Financial Advice

Content on this website does not constitute professional financial advice, investment recommendations, or personalized guidance. Our subscription service provides analytical discussions and planning frameworks, not specific investment directions or guaranteed outcomes.

Always consult qualified financial professionals before making significant financial decisions. Individual circumstances require personalized analysis that extends beyond general planning discussions.

Information Accuracy and Completeness

While we strive for accuracy, we make no guarantees regarding the completeness, reliability, or timeliness of information presented. Market conditions change rapidly and our content may not reflect the most current developments.

• Market data and financial information may be delayed or outdated
• Regulatory changes may affect the applicability of our guidance
• Individual results and experiences will vary based on personal circumstances

Limitation of Liability

Our liability for any claims, damages, or losses arising from your use of our services is strictly limited as outlined below.

External Links and References

Our website may contain links to third-party resources for additional information. These links are provided for convenience only and do not constitute endorsements.

We are not responsible for the content, accuracy, or privacy practices of external websites. Users access third-party links at their own risk.

Financial Services Disclaimer

Our subscription service focuses on financial planning discussions and analytical frameworks. We do not provide investment management, securities trading, or guaranteed financial outcomes.

No Warranties

We provide our services "as is" without warranties of any kind, whether express or implied, including but not limited to

• Merchantability or fitness for a particular purpose
• Uninterrupted or error-free service availability
• Specific financial outcomes or planning results

User Indemnification

By using our services, you agree to indemnify and hold Thalorensiva Financial Planning harmless from any claims, damages, or expenses arising from your use of our website, violation of these terms, or financial decisions made based on our general guidance.

Governing Law and Jurisdiction

This disclaimer and your use of our services are governed by the laws of Malaysia, with specific jurisdictional provisions as follows.

Severability

If any provision of this disclaimer is found to be unenforceable, the remaining provisions will continue in full force and effect.

Modifications to Disclaimer

We reserve the right to update this disclaimer at any time. Material changes will be communicated through our website, and continued use constitutes acceptance of revised terms.

Contact Information

For questions about this disclaimer or our services, please contact us using the information below.