Terms and Conditions

July 27, 2025

Acceptance of Terms

By accessing and using the Xelorivanthus website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Your continued use of our services constitutes ongoing acceptance of these terms, including any modifications we may make from time to time.

Definitions

For the purposes of these Terms and Conditions, the following definitions apply:

  • Services: Financial planning consultation and analytical services provided by Xelorivanthus
  • User/Client: Any individual or entity that accesses or uses our website and services
  • Content: All information, text, graphics, and materials available on our website
  • Consultation: Professional financial planning discussions and analytical reviews provided by our team

Service Usage Rules

Your use of our services is subject to the following terms and conditions designed to ensure proper and lawful usage.

Permitted Uses

You may use our services for the following purposes:

  • Accessing financial planning consultation services for personal use
  • Viewing and downloading content for personal, non-commercial purposes
  • Communicating with our team regarding our services

Prohibited Uses

The following uses are strictly prohibited:

  • Using our services for any unlawful purpose or illegal activity
  • Attempting to gain unauthorized access to our systems or networks
  • Reproducing, distributing, or modifying our content without permission
  • Interfering with or disrupting our services or servers

User Responsibilities

As a user of our services, you agree to the following responsibilities:

  • Provide accurate and complete information during consultations
  • Maintain the confidentiality of any account credentials
  • Notify us immediately of any unauthorized use of your account
  • Comply with all applicable laws and regulations

Intellectual Property Rights

All content, trademarks, and intellectual property on our website remain the exclusive property of Xelorivanthus and are protected by Malaysian and international intellectual property laws.

Unauthorized use of our intellectual property may result in legal action and claims for damages.

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and Malaysian Personal Data Protection Act (PDPA).

Please review our Privacy Policy for detailed information about our data practices Privacy Policy

Payment Terms and Conditions

The following terms apply to all payments for our services:

  • Consultation fees are RM 250 per month for subscription services
  • Payments are due in advance and are non-refundable
  • All fees are inclusive of applicable Malaysian taxes

Limitation of Liability

To the fullest extent permitted by Malaysian law, Xelorivanthus shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Our total liability shall not exceed the amount paid by you for our services in the twelve months preceding any claim.

Indemnification

You agree to indemnify and hold harmless Xelorivanthus, its officers, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through the following procedures.

Alternative Dispute Resolution

We encourage resolution of disputes through mediation or arbitration before pursuing formal legal proceedings, in accordance with Malaysian alternative dispute resolution procedures.

Any arbitration shall be conducted under the rules of the Malaysian Mediation Centre or similar recognized institution.

Online Dispute Resolution

For certain consumer disputes, online dispute resolution platforms may be available through Malaysian consumer protection authorities.

Visit the relevant consumer protection website for more information: https://odr.my.gov.my

Governing Law

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

Termination

We may terminate or suspend your access to our services immediately, without prior notice, for the following reasons:

  • Violation of these Terms and Conditions
  • Fraudulent, abusive, or illegal activity
  • Extended period of inactivity

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website.

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

Entire Agreement

These Terms and Conditions constitute the entire agreement between you and Xelorivanthus regarding the use of our services and supersede all prior agreements and understandings.

Contact Information

For questions about these Terms and Conditions, please contact us at the following address:

Legal Entity: Xelorivanthus

Email: info@xelorivanthus.com

Address: Bangunan Sultan Ismail, Jalan Simpang Tiga, 75300 Melaka, Malaysia