Terms and Conditions
Service Agreement
These terms govern your use of Xaroventilas services and website
By using our services, you agree to these terms and conditions
Definitions
Key terms used throughout this agreement
- Services: Financial planning consultations and related guidance provided by Xaroventilas
- User: Any individual or entity using our website or services
- Content: All information, materials, and resources available through our platform
- Agreement: These terms and conditions and any related policies
Service Usage Guidelines
Acceptable use of our services and platform
Permitted Uses
- Accessing information for personal financial planning
- Participating in consultations and communications
- Using website features as intended
Prohibited Activities
- Misrepresenting identity or providing false information
- Attempting to circumvent security measures
- Using services for unlawful purposes
- Interfering with service operations
User Responsibilities
Your obligations when using our services
- Provide accurate and current information
- Maintain confidentiality of account information
- Comply with all applicable laws and regulations
- Use services in good faith and professionally
Intellectual Property
All content, trademarks, and materials remain the property of Xaroventilas. Users may not reproduce, distribute, or create derivative works without express permission.
All content on this website is protected by copyright and intellectual property laws
Privacy and Data
Your privacy is important to us. Our data collection and usage practices are detailed in our privacy policy.
Privacy Policy: View Privacy Policy
Payment and Billing
Terms related to service fees and payments
- Monthly subscription fees are charged in advance
- All prices include applicable taxes and fees
- Payment methods accepted include major credit cards and bank transfers
Liability Limitations
Our liability for any claims arising from service use is limited to the amount paid for services in the preceding 12 months.
Maximum Liability
Total liability shall not exceed the subscription fees paid
User Indemnification
Users agree to indemnify Xaroventilas against claims arising from misuse of services or violation of these terms.
Dispute Resolution
Disputes will be resolved through Malaysian jurisdiction
Alternative Resolution
Mediation and arbitration options are available for dispute resolution
Arbitration shall be conducted under Malaysian Arbitration Act
Mediation Services
Financial Mediation Bureau services available for eligible disputes
Alternative dispute resolution available: Financial Mediation Bureau
Service Termination
Either party may terminate services with appropriate notice. Termination does not affect obligations incurred prior to termination.
Upon termination, access to services will cease and data may be deleted
Applicable Law
These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts.
Severability Clause
If any provision is deemed invalid, the remaining terms continue in full force and effect.
Complete Agreement
These terms, together with our privacy policy and other referenced documents, constitute the complete agreement between parties.
Terms Updates
We may modify these terms periodically. Users will be notified of significant changes through our website or direct communication.
Continued use of services after changes constitutes acceptance
Terms Inquiries
Contact us with questions about these terms
Effective Date: August 31, 2025
Last Updated: July 25, 2025