Eligibility
Services are available only to adults legally allowed to contract in Malaysia. If you are under 18 or lack capacity, do not use this site.
Eligibility checks may be conducted if needed.
User responsibilities
Users are responsible for using the site lawfully, keeping information accurate, and reporting issues promptly.
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You are responsible for the accuracy of all information you provide.
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You must keep your login credentials and personal information secure at all times.
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It is your duty to check updates to these terms and to comply with current rules.
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If you suspect a breach of your information, notify us immediately for prompt action.
Definitions
Read these definitions carefully to understand the meaning of terms used in these rules and throughout the site.
‘MY’ refers to the registered company providing financial planning services in Malaysia, operating under its trading name.
‘User’ means any person who visits or uses the website or services.
‘Services’ are defined as the financial planning activities described in the Services section of this website.
‘Site content’ refers to all materials, forms, and information available on this website, including text and images.
Prohibited uses
Certain actions are strictly prohibited to ensure compliance and protect all users. Violations may result in termination and legal action.
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Do not use the site for illegal or unauthorized purposes. Only use services as described and allowed by Malaysian law.
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No attempt to breach, hack, or compromise the website or related data.
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Do not submit false or misleading information in any forms or communications.
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Do not use automated scripts or bots to access or scrape the site.
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No use of the site to promote third-party products, unsolicited messages, or other commercial offers.
Intellectual property
All content is the intellectual property of MY or its licensors and cannot be used without permission.
User content
Any information, feedback, or materials you submit become our property for use in service improvement, except for personal data.
Content rights
By submitting content, you grant MY a non-exclusive, royalty-free license to use it in connection with our services, subject to privacy rules.
Privacy
See our Privacy Policy for how we handle data and protect your information. We comply with all relevant Malaysian laws.
Privacy PolicyDisclaimer
Information here is for general guidance only. Contact us for advice specific to your situation. We do not guarantee the accuracy of any content.
Warning
You are responsible for checking all information before relying on it. We update content regularly but cannot guarantee real-time accuracy.
Limitation of liability
We are not liable for indirect, incidental, or consequential damages. Liability is limited as much as Malaysian law allows.
Indemnification
You agree to hold us harmless from any claims or damages (except as required by law) resulting from your use of this site or services.
Arbitration
Any disputes not resolved directly may be subject to arbitration as permitted by Malaysian law. Details are available upon request.
Arbitration is conducted under Malaysian regulations and only where permitted.
Online dispute resolution
Where applicable, we participate in Malaysian online dispute resolution. Contact us for details before initiating any ODR process.
Learn about ODRApplicable law
These terms are governed by Malaysian law. Any disputes are resolved in Malaysian courts.
Termination
We may terminate your use of the site or services for violations of these terms or local laws. Notice will be provided where possible.
Modifications
We may update these terms as laws or our services change. Continued use means you accept the latest version. See the effective date above.
Severability
If any part of these terms is found unenforceable, the rest remain in effect. This ensures the terms continue to apply.
Entire agreement
These terms form the entire agreement between you and MY. No oral or other written statements alter these terms unless formally published here.
Contact
Contact us with questions about these terms or your use of the website. Details are on the Contact page.
Email: content@isavalerioten.sbs
Phone: +60 4-091 3237
Address: Equatorial Plaza, Jalan Sultan Ismail, Kuala Lumpur 50250 Malaysia