Terms and Conditions
These terms govern your use of our financial planning subscription services
Effective Date: July 12, 2025
Acceptance of Terms
By accessing our website and using our services, you agree to be bound by these terms and conditions
If you do not agree to these terms, please discontinue use of our services immediately
Service Description
Peravoluntriv provides subscription-based financial planning consultation services including analytical reviews, personalized guidance, and ongoing support for financial decision-making
Our services are designed to help you make informed financial decisions but do not constitute specific investment advice or asset management services
User Eligibility
To use our services, you must meet the following requirements
- Be at least 18 years of age and legally capable of entering contracts
- Provide accurate and complete information during registration
- Comply with all applicable Malaysian laws and regulations
User Responsibilities
As a user of our services, you agree to the following responsibilities
Acceptable Use
- Use our services only for legitimate financial planning purposes
- Provide truthful and accurate information about your financial situation
- Keep your account credentials secure and confidential
- Notify us promptly of any unauthorized access to your account
Prohibited Activities
- Using our services for illegal or fraudulent activities
- Sharing your account access with unauthorized persons
- Attempting to reverse engineer or copy our proprietary systems
- Interfering with the proper functioning of our website or services
- Violating any applicable laws or regulations while using our services
Intellectual Property Rights
All content, trademarks, and intellectual property on our website and in our services remain the property of Peravoluntriv
You may not reproduce, distribute, or create derivative works from our content without written permission
Note:
You retain ownership of any personal information you provide, while granting us license to use it for service delivery
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy
Please review our Privacy Policy for detailed information about our data practices Privacy Policy
Payment Terms
Subscription fees are charged monthly in advance and include the following terms
- Monthly subscription fee of RM250 (inclusive of 6% GST) is charged on the same date each month
- Payment must be received before service activation or continuation each billing period
- Failed payments may result in temporary service suspension until payment is resolved
- All fees are non-refundable except as required by Malaysian consumer protection laws
Representative APR varies based on payment method and may include processing fees charged by payment providers
Cancellation and Refunds
You may cancel your subscription at any time with 30 days written notice, and service will continue until the end of your current billing period
Refunds are not provided for partial months of service, except where required by applicable Malaysian consumer protection regulations
Limitation of Liability
Our financial planning services are provided for informational and consultative purposes only
Important Limitation:
Peravoluntriv shall not be liable for any financial losses resulting from your financial decisions, market conditions, or external factors beyond our control
Our total liability to you shall not exceed the amount paid for services in the 12 months preceding any claim
Client Indemnification
You agree to indemnify Peravoluntriv against any claims arising from your misuse of our services or violation of these terms
Dispute Resolution
Any disputes arising from these terms will be resolved through the following methods
Local Dispute Resolution
Initial disputes should be addressed through direct communication with our customer service team
Unresolved disputes may be submitted to mediation or arbitration under Malaysian law
Alternative Resolution
For consumer disputes, you may also contact Bank Negara Malaysia consumer services
Bank Negara Malaysia TELELINK: 1-300-88-5465
Termination
Either party may terminate this agreement with appropriate notice as specified in the cancellation terms
We may terminate your account immediately for violations of these terms or applicable laws
Modifications to Terms
We may update these terms periodically to reflect changes in our services or legal requirements
Significant changes will be communicated via email or website notification with at least 30 days notice
Governing Law
This disclaimer is governed by Malaysian law and any disputes shall be subject to the jurisdiction of Malaysian courts
Jurisdiction:
These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts
Severability Clause
If any provision of this disclaimer is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect
Entire Agreement
These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Peravoluntriv regarding use of our services
Contact Information
For questions about this disclaimer or our services, please contact us using the information below
Company Name: Peravoluntriv
Email: info@peravoluntriv.com
Phone: +601283506294
Address: 65 Persiaran Endah, Taman Persiaran Desa, 50460 Kuala Lumpur, Malaysia
By continuing to use our services, you acknowledge acceptance of these terms as updated from time to time
Your continued use of our services constitutes ongoing acceptance of these terms and any updates