Important Disclaimers and Legal Information

General Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. Every financial situation is unique, and what works for one person may not be suitable for another. Results may vary based on individual circumstances, market conditions, and economic factors beyond our control.

This disclaimer applies to all content, services, and information provided through our website, consultations, and related materials. By using our services, you acknowledge that you understand these limitations and agree to use the information responsibly.

Information Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness, accuracy, or reliability of all content presented. Financial markets, regulations, and economic conditions change frequently, and information may become outdated without notice.

We make no guarantees about the accuracy of third-party information, market data, or external resources referenced in our materials.

Information on this website may be updated, modified, or removed at any time without prior notice. Users are responsible for verifying current information before making financial decisions.

Limitations of Liability

To the maximum extent permitted by Malaysian law, Oraphinexal and its affiliates shall not be liable for any damages arising from the use of our services, including but not limited to:

• Direct financial losses resulting from following general guidance or information provided
• Indirect or incidental damages related to financial decisions or market performance
• Consequential damages arising from service interruptions or information delays
• Lost profits, missed opportunities, or investment losses of any nature

Professional Advice Disclaimer

Our subscription service provides general financial planning guidance and educational information. This does not constitute specific investment advice, tax planning, legal counsel, or personalized recommendations for individual financial situations.

Content provided through our platform should not be considered as formal financial advice or investment recommendations. Individual circumstances vary significantly, and professional consultation is recommended for specific situations.

Always consult with qualified financial advisors, tax professionals, or legal experts before making significant financial decisions or implementing planning strategies.

External Links and Third-Party Content

Our website may contain links to external websites, resources, or third-party content for informational purposes. These links are provided for convenience and do not constitute endorsement of the linked sites or their content.

We do not control external websites and are not responsible for their content, privacy practices, or availability. Links to third-party sites do not imply partnership, affiliation, or recommendation.

Use at Your Own Risk

By accessing and using our services, you acknowledge that you do so at your own risk. Financial planning and related decisions carry inherent risks, and outcomes cannot be guaranteed regardless of the quality of guidance provided.

Users are solely responsible for evaluating the suitability of information, making informed decisions about their financial situations, and seeking appropriate professional advice when needed.

Governing Law and Jurisdiction

This disclaimer and all related matters are governed by the laws of Malaysia, and any disputes shall be resolved within the appropriate Malaysian legal framework.

Nothing in this disclaimer affects your statutory rights under Malaysian consumer protection laws where they cannot be legally excluded or limited.

Indemnification

Users agree to indemnify and hold harmless Oraphinexal, its employees, and affiliates from any claims, damages, or losses arising from misuse of information, violation of terms, or decisions made based on general guidance provided through our services.

Severability

If any provision of this disclaimer is found to be unenforceable or invalid under Malaysian law, the remaining provisions shall continue in full force and effect. Invalid provisions shall be replaced with enforceable terms that most closely reflect the original intent.

Modifications to This Disclaimer

We reserve the right to update, modify, or revise this disclaimer at any time to reflect changes in our services, legal requirements, or business practices. Updated versions will be posted on our website with revised effective dates.

Continued use of our services after modifications constitutes acceptance of the updated disclaimer terms.

Contact Information for Disclaimer Questions

For questions about this disclaimer, legal compliance, or clarification of terms, please contact us using the following information: