Terms and Conditions
Last updated: August 13, 2025
Agreement to Terms
These terms and conditions govern your use of the Fenorivandelos website and financial planning consultation services.
By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms
Use of Our Services
When using our services, you agree to the following conditions
- • Provide accurate and complete information during consultations
- • Pay subscription fees as agreed according to your chosen plan
- • Attend scheduled consultations or provide reasonable notice for rescheduling
- • Use our services only for lawful purposes and in accordance with applicable regulations
User Responsibilities
As a user of our services, you are responsible for certain conduct and activities
Prohibited Activities
- • Providing false or misleading information about your financial situation
- • Using our services for illegal activities or money laundering
- • Sharing confidential consultation content with unauthorized third parties
- • Attempting to access other clients' information or accounts
- • Interfering with website functionality or security measures
Intellectual Property Rights
All content, materials, and intellectual property on our website remain the exclusive property of Fenorivandelos and are protected by Malaysian and international copyright laws.
You may not reproduce, distribute, or create derivative works without our express written permission
Privacy and Data Protection
Your privacy is important to us. Our Privacy Policy details how we collect, use, and protect your personal information in compliance with Malaysian data protection laws.
Service Disclaimers
Important limitations and disclaimers regarding our services
We provide consultation services without warranties of specific outcomes or financial results
Services are provided on an "as is" basis and we cannot guarantee particular financial outcomes or performance
Limitation of Liability
Our liability is limited as follows under Malaysian law
We exclude liability for indirect, consequential, or punitive damages arising from service use or consultation advice
User Indemnification
You agree to indemnify Fenorivandelos against claims arising from your use of services or breach of these terms
Termination of Services
Either party may terminate the consultation agreement with 30 days written notice. We reserve the right to terminate immediately for breach of terms.
Upon termination, your access to consultation services will cease, though certain terms will survive termination as legally required
Dispute Resolution
We encourage direct communication to resolve disputes before formal procedures
Arbitration Process
Disputes that cannot be resolved directly will be submitted to binding arbitration under the Arbitration Act 2005 (Malaysia)
Online Dispute Resolution
For EU residents, online dispute resolution is available through the European Commission's ODR platform
Access the ODR platform at ec.europa.eu/consumers/odr for alternative dispute resolution: https://ec.europa.eu/consumers/odr
Governing Law and Jurisdiction
Any disputes arising from this disclaimer or website use shall be subject to the exclusive jurisdiction of Malaysian courts.
Severability
If any provision of these terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect
Entire Agreement
These terms constitute the complete agreement between you and Fenorivandelos regarding use of our services and supersede all prior agreements
Modifications to Terms
We reserve the right to modify these terms at any time with notice posted on our website
Continued use of our services after changes indicates acceptance of modified terms
Contact Information
For questions about these terms and conditions, please contact us
Company: Fenorivandelos
Email: contact@fenorivandelos.com
Phone: +60 3 0096 0547
Address: 26 Jalan Ampang, 50450 Kuala Lumpur, Malaysia