Terms and Conditions

Last updated: July 27, 2025

These terms govern your use of Varolinquethi and website. By accessing our services, you agree to comply with these terms.

Using our services constitutes acceptance of these terms. If you disagree with any provision, please discontinue use of our services immediately.

Service Definitions

For clarity, the following terms have specific meanings throughout this agreement:

• Service: Financial planning consultation, analysis, and guidance provided through our subscription platform
• Company: Varolinquethi, a Malaysian private limited company
• User/Client: Individual or entity using our financial planning services
• Content: All information, materials, and recommendations provided through our services

Service Usage Guidelines

Your use of our services is subject to the following requirements and restrictions:

User Eligibility

Services are available to individuals aged 18 and older who can legally enter into binding agreements under Malaysian law.

Account Management: Account Management

Account Management

As a user, you are responsible for:

• Providing accurate and complete information for financial planning purposes
• Maintaining confidentiality of your account credentials and personal information
• Notifying us promptly of any changes to your financial situation or contact information

Prohibited Activities

The following activities are strictly prohibited:

• Sharing your account access with unauthorized individuals
• Using our services for illegal activities or fraudulent purposes
• Attempting to disrupt or compromise our website or systems
• Reproducing or distributing our proprietary content without permission
• Providing false information that could affect the quality of financial planning recommendations

Intellectual Property Rights

All content, methodologies, and materials provided through our services remain the intellectual property of Varolinquethi and are protected by copyright and other applicable laws.

Unauthorized reproduction, distribution, or modification of our content is prohibited without written permission.

User-Provided Content

You retain ownership of personal and financial information you provide to us.

By providing information, you grant us license to use it solely for delivering financial planning services to you.

You are responsible for ensuring the accuracy and completeness of information you provide.

Privacy Protection

Our collection and use of your personal information is governed by our Privacy Policy, which forms an integral part of these terms. Privacy Policy

Service Disclaimers

Our services are provided "as is" without warranties of any kind, express or implied.

We make no guarantees regarding specific financial outcomes or results from following our recommendations.

Additional disclaimers and limitations are detailed in our separate Disclaimer document. Disclaimer

Limitation of Liability

Our liability for any damages arising from our services is limited to the amount you paid for services in the 12 months preceding any claim.

We exclude liability for indirect, consequential, or punitive damages to the maximum extent permitted by law.

User Indemnification

You agree to indemnify Varolinquethi against any claims, damages, or expenses arising from your use of our services or violation of these terms.

Service Termination

Either party may terminate the service relationship with 30 days' written notice. We may terminate immediately for violations of these terms.

Upon termination, your access to services will cease, though data retention policies outlined in our Privacy Policy will continue to apply.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through established channels

Applicable Law

These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts, except where arbitration applies.

Terms Modifications

We may update these terms periodically to reflect changes in our services or legal requirements.

Continued use of our services after term changes constitutes acceptance of the updated terms.

Severability Clause

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

Complete Agreement

These terms, together with our Privacy Policy and Disclaimer, constitute the complete agreement between you and Varolinquethi regarding our services.

Contact Details

For questions about these terms, contact us at info@varolinquethi.com or through the contact information provided on our website.