Disclaimer and Legal Notice
Please Note:
Nothing here is financial advice for your specific case.
Always consult a qualified professional before making financial decisions.
We believe in making financial planning accessible and straightforward. Still, we want you
to know exactly where you stand when using our site. This page outlines the boundaries and
terms you agree to by using our information or services.
General Notice
Everything you read here is meant for general use and does not replace professional advice tailored to your situation. Laws and regulations change, and what’s right for one person may not suit another. Please treat our materials as a helpful starting point, not the final word.
Liability Limitations
There are always limits to what we can promise. Here’s what you should know:
- We are not responsible for direct or indirect losses that may result from relying on information found on this website.
- We cannot guarantee uninterrupted, error-free access to the site or that all materials are free of harmful components.
- Your use of our materials is at your own risk, and we are not liable for damages arising from use or misuse.
- We are not responsible for external websites or their content, even if we link to them.
Accuracy of Information
We aim to keep all information on our website as accurate and up-to-date as possible, especially details related to financial planning in Malaysia. However, the financial world is always changing, so there might be delays before updates appear here. For the most current advice, please reach out to our team directly. We encourage you to check back regularly, as we refine our materials to reflect new rules and best practices.
Information is provided for general guidance. We can’t guarantee complete accuracy or that all info is current.
Professional Advice
Nothing on this site should be considered a substitute for direct advice from a licensed professional. Before acting on any information here, please consult with someone qualified to help you assess your situation.
External Links
Sometimes we include links to other websites for your convenience or extra context. We don’t control those sites or their content, and we aren’t responsible for any loss or issues that come from using them. If you choose to visit an external link, you do so at your own risk.
Results May Vary
Financial results will vary depending on individual situations and external factors. We don’t promise any particular outcomes, and past scenarios shared here aren’t predictors of future experiences.
Individual Results Vary
Everyone’s circumstances are unique. What worked for one client might not work for you, so always make decisions with your own needs in mind.
Financial Planning Disclaimer
We share information for educational and planning purposes only. Nothing on this site should be taken as a personal financial recommendation, and all decisions should be made based on your own circumstances and, if needed, with the help of a licensed professional.
- The services described here are not investment advice, and we do not offer, promote, or sell investment products.
- Any references to financial approaches are for discussion and informational purposes only.
- If you have questions about your specific situation, consult a licensed advisor or relevant authority.
Jurisdiction and Applicable Law
Legal matters can get complicated fast, so here’s the short version:
Any disputes or concerns related to our site fall under the jurisdiction of the courts of Malaysia. Your use of this site means you accept this legal framework.
This disclaimer is governed by the laws of Malaysia. Any use of our site or services is subject to Malaysian regulations and legal guidelines.
Some services or materials may not be available in all areas due to local rules. It’s up to you to ensure that using our site complies with the laws of your location.
Indemnification
By using our website, you agree not to hold us responsible for any losses, damages, or issues that arise from relying on information here. You accept responsibility for your own decisions and use of the site.
Severability
If any part of this disclaimer is found to be invalid, the rest will still apply. Each section stands on its own.
Changes to This Disclaimer
We may update or change this disclaimer from time to time to reflect legal, regulatory, or practical changes. When we do, we’ll post the new date. Your continued use of the site means you accept any updates, so check back now and then.
Contact Us
Questions about this disclaimer or any of our practices? We’re happy to clarify. Reach out and we’ll do our best to assist you.
Email Address: content@tovraminela.world
Phone Number: +60 9-073 9059
Office Address: Mercu 2, Jalan Yap Kwan Seng, Kuala Lumpur 50450 Malaysia