Important Disclaimer
Please read this disclaimer carefully before using our services
Past performance does not guarantee future results
Financial planning involves risks and outcomes may vary based on individual circumstances
General Information
This website provides general information about financial planning services
The content on this website is for informational purposes only and should not be considered as specific financial advice. Individual circumstances vary, and consultation with qualified professionals is recommended before making financial decisions.
Information Accuracy
While we strive to maintain accurate information, we cannot guarantee completeness or timeliness
- Information is subject to change without notice
- Market conditions may affect relevance of content
- Regular updates are made but delays may occur
Limitation of Liability
Our liability is limited as follows
We shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of our services or website content.
- Loss of profits or business opportunities
- Technical issues or website downtime
- Third-party actions or omissions
- Force majeure events beyond our control
Professional Consultation
Our services provide general financial planning guidance and should complement professional advice
Always consult qualified financial advisors for specific investment decisions
External Links
Our website may contain links to third-party websites for your convenience
We are not responsible for the content or practices of external websites
Individual Results
Financial planning outcomes depend on various personal and market factors
Individual results may vary
Intellectual Property Rights
All content, trademarks, and materials on this website are owned by Xaroventilas or licensed partners
Unauthorized use or reproduction is strictly prohibited
Governing Law and Jurisdiction
This disclaimer is governed by Malaysian law
Any disputes arising from use of our services shall be resolved under the jurisdiction of Malaysian courts in accordance with local regulations.
Local laws may affect the applicability of certain terms
User Indemnification
Users agree to indemnify and hold harmless Xaroventilas from any claims, damages, or expenses arising from misuse of our services or violation of these terms.
Disclaimer Updates
We reserve the right to modify this disclaimer at any time to reflect changes in our services or legal requirements
Users will be notified of significant changes through website updates
Contact Information
For questions regarding this disclaimer, please contact us
Last Updated: July 25, 2025
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