Important Disclaimers and Risk Notices

Please read these disclaimers carefully before using our financial planning services. These notices contain important information about risks, limitations, and regulatory requirements that apply to our consultation services.

Last Updated: August 5, 2025

Past performance does not guarantee future results

Financial planning involves risks and individual circumstances vary significantly. Market conditions and personal situations can change rapidly.

General Service Disclaimer

Our financial planning subscription service provides analytical reviews and personal consultations based on current market conditions and individual circumstances. All recommendations are subject to changing economic environments and personal financial situations.

We do not guarantee specific financial outcomes, performance levels, or success rates. Results may vary based on individual implementation, market conditions, and personal circumstances beyond our control.

Limitation of Liability

To the maximum extent permitted by Malaysian law, our liability is limited in the following ways:

We are not liable for any indirect, consequential, or special damages arising from our consultation services
Our maximum liability shall not exceed the total subscription fees paid in the preceding 12 months
We exclude liability for losses resulting from market volatility, economic changes, or external factors beyond our reasonable control
No liability exists for decisions made independently by clients without following our consultation recommendations

Information Accuracy and Currency

While we strive to provide accurate and current information, financial markets and regulations change frequently. All information is provided on an "as is" basis and may not reflect the most recent developments in Malaysian financial regulations or global market conditions.

Our consultation services are intended for informational and analytical purposes. This does not constitute professional financial advice as defined by Malaysian regulatory authorities.

Important Note:

Always consult with licensed financial professionals before making significant financial decisions. Our subscription service complements but does not replace professional financial advice from qualified practitioners.

Financial Service Limitations

Our financial planning consultations are subject to the following important limitations:

We do not provide licensed financial product recommendations or sell financial instruments
All analytical reviews are based on information provided by clients and publicly available market data
Consultation outcomes depend heavily on client implementation and changing personal circumstances

Third-Party Resources and Links

Our service may reference external financial resources, market data providers, or regulatory websites for additional information and context.

We are not responsible for the accuracy, availability, or content of third-party websites or resources referenced in our consultations.

Individual Results and Outcomes

Financial planning outcomes vary significantly between individuals based on starting circumstances, implementation consistency, market conditions, and personal financial discipline.

Individual results may vary

Governing Law and Jurisdiction

These disclaimers and our service terms are governed by Malaysian law with the following specifications:

Governing Law:

All aspects of our service relationship are governed by the laws of Malaysia, including consumer protection regulations and financial service guidelines.

Jurisdiction:

Any disputes arising from our services shall be subject to the exclusive jurisdiction of Malaysian courts.

Regional Compliance:

Our services comply with Malaysian financial service regulations and consumer protection laws as applicable to consultation services.

Client Indemnification

Clients agree to indemnify Trivenqolora against claims arising from misuse of consultation advice, failure to disclose material information, or implementation of recommendations contrary to our guidance.

Severability of Terms

If any provision of these disclaimers is deemed invalid under Malaysian law, the remaining provisions shall continue in full force and effect.

Disclaimer Modifications

We reserve the right to modify these disclaimers with 30 days advance notice to active subscribers. Continued use of our services constitutes acceptance of updated terms.

Acceptance of Terms

By subscribing to our financial planning service, you acknowledge reading, understanding, and accepting all disclaimers and limitations outlined above.