Terms and Conditions
Ever wondered what you’re agreeing to when using a financial planning website? This page is our way of putting all the rules on the table—how you can use our site, what to expect from our services, and the boundaries that keep everything fair and transparent. We want things to be clear, simple, and honest.
July 4, 2026
Acceptance of Terms
By using this website or any services offered here, you agree to follow these terms and conditions. If you don’t accept any part of these rules, please don’t use the site. Continued use means you’re comfortable with how things work, so make sure to read everything carefully before you start.
Definitions
Let’s keep it clear—here’s what certain words mean when you see them on this page. These definitions help avoid confusion about what’s included in our terms and what’s not.
"Website" means the tovraminela.world site and any related content, features, or materials provided through this platform. It covers everything you see or interact with here.
"Services" refers to any support, guidance, or information shared by our team, including consultations and planning sessions, but not investment advice or product sales.
"User" means anyone who visits or interacts with our website or uses our services, whether they create an account, book a session, or simply browse for information.
"Content" includes text, images, graphics, downloads, and all other materials on the website, regardless of their format or origin. This covers everything from service descriptions to educational tips provided here.
Service Usage
Our services are designed for personal and business use within Malaysia. Use them only as intended and don’t try to bypass any security or access controls.
Eligibility
Our services are available to individuals and businesses in Malaysia who can legally enter into contracts. If you’re under 18 or otherwise restricted by law, please don’t use this site or our services.
Some services may have additional eligibility requirements based on local regulations or specific terms.
User Responsibilities
When you use this site or our services, you agree to be honest, responsible, and considerate. Here’s what’s expected from you as a user:
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You’re responsible for keeping your login details and account information private. If you think your account has been compromised, let us know right away.
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You agree not to misuse our website or services in any way that harms other users, the business, or our partners. Play fair and respect the boundaries set here.
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If you post or submit content to our site, you’re responsible for making sure it doesn’t violate any laws, infringe on others’ rights, or spread false or harmful information.
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You’re expected to follow all local, national, and international laws that apply to your use of our website and services. Ignorance of the law isn’t an excuse.
Prohibited Uses
To keep things fair, safe, and legal for everyone, there are a few things you just can’t do on our website. Here’s what’s not allowed:
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You may not use this website for any unlawful, misleading, or harmful purpose, including impersonating others or misrepresenting your identity.
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It’s not allowed to disrupt, damage, or compromise the security of our site or related systems. Hacking, attempting unauthorized access, or distributing malicious software is strictly forbidden.
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Don’t copy, reuse, or distribute our content, images, or other materials without permission. Intellectual property rules apply here just as they would anywhere else online or offline.
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No commercial exploitation—meaning, don’t try to resell, rent, or otherwise make money from our site or services without a clear agreement with us first.
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Any attempt to collect or harvest data about our users, services, or systems for outside use is not allowed, whether through bots, scraping tools, or other means.
Intellectual Property
All content, logos, and materials on this website belong to us or our partners, and are protected by copyright and intellectual property laws. Don’t reuse, copy, or distribute anything without our written permission.
User Content
If you share comments, suggestions, or materials on our site, you grant us the right to use them as needed to provide or improve our services. You’re responsible for what you post, and we reserve the right to remove anything inappropriate.
User Content Rights
By submitting content, you confirm you own the rights or have permission to share it. We may use your input to enhance our services but won’t claim ownership of your ideas or personal data.
Privacy
Your privacy matters to us. We follow Malaysia’s data protection laws and handle your information responsibly. For full details on what data we collect, how it’s used, and your rights, please see our privacy policy page.
See our privacy policyDisclaimer
While we aim to provide useful, accurate, and up-to-date information, the materials on our site are for general guidance only. Nothing here replaces professional advice for your particular needs or situation.
Important Notice
We do not offer investment advice or recommend specific financial products. Any references to financial topics are for information and discussion only. Before making decisions, consult a qualified advisor to be sure what’s best for your personal situation.
Limitation of Liability
We are not responsible for any losses, damages, or issues that may result from using this site or relying on information found here. Use everything at your own risk and always consult a professional for big decisions.
Indemnification
You agree to protect us from claims, losses, or damages that arise from your misuse of the website, violation of these terms, or unlawful actions while using our services. This helps keep things fair for everyone.
Dispute Resolution
If issues arise, we want to resolve them quickly and fairly. Our process is designed to find solutions through open dialogue, and only turn to formal proceedings if needed.
Dispute Arbitration
If any disagreements arise, we’ll try to resolve things through informal discussion first. If needed, disputes will be settled by binding arbitration in Malaysia, following local laws and procedures. This approach helps keep things efficient for everyone.
Nothing here limits your right to take unresolved legal issues to the courts as permitted under Malaysian law.
Online Dispute Resolution
If you live in the European Union, you may use the European Online Dispute Resolution platform to try and resolve any disagreements with us related to online services. This is in addition to your rights under Malaysian law.
Learn about ODR platformApplicable Law
These terms are governed by Malaysian law. All activities, transactions, and interactions on this site must comply with the regulations and legal standards of Malaysia. If you’re accessing from another country, you’re still subject to these local rules.
Termination of Use
We reserve the right to suspend or terminate your access if you violate these terms or act in a way that harms the site or other users. If this happens, you may lose access to some or all of our services without prior notice.
Modifications
We may update these terms from time to time. If we make changes, the latest version will always be posted here, along with the new date. Using the site after updates means you accept the new terms, so it’s smart to check back every now and then.
Severability
If any part of these terms is found to be invalid or unenforceable, the rest of the agreement will still apply. Each section stands on its own, even if one part is struck out.
Entire Agreement
These terms represent the full agreement between you and us regarding the use of this site and our services. Any other discussions, emails, or earlier terms are replaced by what’s written here.
Contact Information
Questions or concerns about these terms? Our team is here to help clarify. Get in touch with us if you need more information or want to discuss any specific point.
Email Address: content@tovraminela.world
Phone Number: +60 9-073 9059
Office Address: Mercu 2, Jalan Yap Kwan Seng, Kuala Lumpur 50450 Malaysia
Effective Date: July 4, 2026
Version: v1.0