Terms and Conditions of Service

Service Agreement Overview

These terms and conditions govern your use of our financial planning consultation services. Please read them carefully before using our platform or engaging our services.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

Last updated: August 8, 2025

Important Definitions

The following terms have specific meanings within this agreement

• Services: Financial planning consultation services, analytical reviews, and related guidance provided by Lunarexovia
• User/Client: Any individual or entity that accesses our website or engages our consultation services
• Content: All information, materials, and resources provided through our platform or during consultations
• Agreement: These terms and conditions along with our Privacy Policy and other referenced policies

Service Eligibility Requirements

Our services are available to individuals aged 18 and over who can legally enter into binding agreements under Malaysian law.

By using our services, you confirm that you meet these eligibility requirements and have the authority to accept these terms.

User Obligations and Responsibilities

As a user of our services, you agree to the following responsibilities

• Provide accurate and complete information during consultations
• Use services only for lawful purposes and in accordance with these terms
• Maintain confidentiality of any login credentials or account information
• Notify us promptly of any changes in your financial situation or contact details
• Respect intellectual property rights and not reproduce proprietary content

Prohibited Activities

The following activities are strictly prohibited when using our services

• Providing false or misleading information during consultations
• Using services for illegal activities or fraudulent purposes
• Attempting to gain unauthorized access to our systems or other user accounts
• Reproducing, distributing, or selling our proprietary content without permission
• Interfering with the normal operation of our website or services

Service Usage Guidelines

To ensure quality service delivery and protect all users, please observe these guidelines

Intellectual Property Protection

All content, trademarks, logos, and proprietary materials on our platform remain the exclusive property of Lunarexovia or our licensors.

You do not acquire any ownership rights to our intellectual property through use of our services.

We grant you a limited, non-exclusive license to access and use our services for personal consultation purposes only.

Privacy and Data Handling

Your privacy is important to us. We handle your personal information in accordance with our comprehensive Privacy Policy.

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

Service Disclaimers and Warranties

Important limitations and disclaimers regarding our consultation services

We make no guarantees about specific outcomes, results, or the success of any financial planning recommendations discussed during consultations.

Limitation of Legal Liability

Our liability for any claims arising from our services is limited to the maximum extent permitted by Malaysian law.

We exclude liability for indirect, consequential, or punitive damages including loss of profits or business opportunities.

Our maximum liability shall not exceed the total amount paid for services in the 12 months preceding any claim.

User Indemnification Agreement

You agree to indemnify and hold harmless Lunarexovia from any claims, damages, or expenses arising from your use of our services.

This includes legal fees and costs resulting from violations of these terms or misuse of our services.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently through the following mechanisms

We encourage informal resolution through direct communication before pursuing formal dispute procedures.

Service Termination

Either party may terminate the service relationship at any time with appropriate notice.

Upon termination, your access to services will cease, but these terms will remain in effect for previously provided services.

Provisions regarding liability, indemnification, and intellectual property will survive termination of services.

Applicable Law and Jurisdiction

These terms are governed by the laws of Malaysia and subject to the jurisdiction of Malaysian courts.

Any legal proceedings shall take place in the courts of Kuala Lumpur, Malaysia.

Terms Modification Process

We reserve the right to modify these terms at any time to reflect changes in our services or legal requirements.

Significant changes will be communicated through email notification or website announcements.

Continued use of our services after term changes constitutes acceptance of the modified agreement.

Severability of Terms

If any provision of these terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Lunarexovia.

This agreement supersedes all previous agreements, understandings, or representations regarding our services.

Questions About These Terms

If you have questions about these terms and conditions, please contact us at info@lunarexovia.com or use our contact form.