Terms and Conditions of Service

Introduction and Agreement Scope

These Terms and Conditions govern your use of Oraphinexal's financial planning subscription services and website. By accessing our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

Your use of our services constitutes acceptance of these terms and creates a legally binding agreement between you and Oraphinexal.

These terms apply to all users of our website and subscribers to our financial planning services, regardless of location, and supplement any specific agreements for subscription services.

Definitions and Key Terms

For clarity and consistency throughout this agreement, the following terms have specific meanings when used in these Terms and Conditions:

• "Service": Refers to all financial planning consultations, website content, subscription services, and related materials provided by Oraphinexal
• "User" or "You": Refers to any individual or entity that accesses our website or subscribes to our financial planning services
• "Content": Includes all text, images, videos, documents, and materials provided through our website and services
• "Agreement": Refers to these Terms and Conditions, along with our Privacy Policy and any applicable subscription agreements

Eligibility and User Requirements

You must be at least 18 years old to use our services and enter into binding agreements for financial planning subscriptions.

You represent that you have the legal capacity to enter into contracts and that all information provided is accurate and complete.

You agree to comply with all applicable laws and regulations in your jurisdiction regarding financial planning services and data protection.

User Responsibilities and Obligations

As a user of our services, you accept certain responsibilities and obligations to ensure proper service delivery and maintain the security of our platform:

• Provide accurate, complete, and current information for all consultations and service requests
• Maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access
• Use our services only for lawful purposes and in accordance with these terms and applicable laws
• Refrain from misusing our services, attempting to gain unauthorized access, or interfering with normal operations
• Comply with all applicable local, state, and federal laws regarding financial planning and data protection

Prohibited Activities

To maintain service quality and security for all users, the following activities are strictly prohibited when using our services:

• Using our services for any illegal purposes or activities that violate applicable laws or regulations
• Harassment, abuse, or threatening behavior toward our staff or other users of our services
• Sending spam, unsolicited communications, or promotional materials through our communication channels
• Introducing viruses, malware, or harmful code that could damage our systems or compromise user data
• Impersonating other individuals, organizations, or misrepresenting your identity or affiliation
• Automated data collection, web scraping, or unauthorized extraction of content from our website

Intellectual Property Rights

All content, trademarks, logos, and materials on our website and in our services are owned by Oraphinexal or our licensors and are protected by intellectual property laws.

We grant you a limited, non-exclusive license to use our content solely for your personal financial planning purposes as a subscriber to our services.

You may not reproduce, distribute, modify, or create derivative works from our content without express written permission from Oraphinexal.

Privacy and Data Protection

Your privacy is important to us, and we are committed to protecting personal information collected through our services in accordance with applicable data protection laws and industry standards.

Please review our separate Privacy Policy for detailed information about data collection, use, sharing, and protection practices for personal information. Privacy Policy

Service Disclaimers

Our services are provided "as is" without warranties of any kind, either express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement.

We make no guarantees about the accuracy, completeness, or reliability of information provided through our services or its suitability for your specific financial situation.

Additional disclaimers and important notices about financial planning services are provided in our separate Disclaimer document, which forms part of this agreement. Disclaimer

Limitation of Liability

To the maximum extent permitted by Malaysian law, Oraphinexal's total liability for any claims arising from our services shall not exceed the amount you paid for services during the 12 months preceding the claim.

In no event shall we be liable for indirect, incidental, consequential, or special damages, including lost profits, even if we have been advised of the possibility of such damages.

These limitations are essential elements of the agreement between us, and our services would not be provided without such limitations.

Indemnification

You agree to indemnify and hold harmless Oraphinexal, its employees, and affiliates from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Dispute Resolution

We encourage direct communication to resolve any disputes or concerns about our services. However, formal dispute resolution procedures are available when needed.

Termination of Services

You may terminate your subscription to our services at any time by providing written notice. Termination will be effective at the end of your current billing period.

We may terminate or suspend your access to services immediately if you violate these terms, engage in prohibited activities, or if continued service provision is not feasible.

Upon termination, your right to access services ceases immediately, though certain provisions of these terms shall survive termination, including payment obligations and intellectual property restrictions.

Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of Malaysia, without regard to conflict of law principles.

Any legal proceedings arising from these terms or our services shall be subject to the exclusive jurisdiction of Malaysian courts, specifically those located in Kuala Lumpur.

Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time to reflect changes in our services, legal requirements, or business practices.

We will notify users of material changes through email or website announcements at least 30 days before changes take effect. Continued use after changes constitutes acceptance of updated terms.

Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect, and the invalid provision shall be replaced with an enforceable provision that most closely reflects the original intent.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Oraphinexal regarding the use of our services, superseding all prior agreements or understandings.

Contact Information for Terms

For questions about these Terms and Conditions or legal matters related to our services, please contact us at info@oraphinexal.com or +60 3 3212 3398