Terms and Conditions of Service

Agreement Overview

These terms and conditions govern your use of Dremoraphyxis's financial planning services and website. By accessing our services, you agree to be bound by these terms and all applicable laws and regulations.

Your continued use of our services constitutes ongoing acceptance of these terms, including any updates or modifications we may make from time to time

Important Definitions

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

• Services: Financial planning consultations, analysis, and guidance provided through our subscription platform
• User/Client: Any individual or entity that accesses or uses our services or website
• Company: Dremoraphyxis and its affiliates, employees, contractors, and authorized representatives
• Content: All information, materials, advice, and resources provided through our services and website

User Responsibilities and Obligations

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

• Provide accurate and complete information for all consultations and planning activities
• Use our services only for lawful purposes and in accordance with these terms
• Maintain the confidentiality of your account information and notify us of any unauthorized access
• Pay all applicable fees and charges according to the agreed payment schedule
• Respect the intellectual property rights of our content and materials

Acceptable Use Policy

To maintain a safe and productive environment for all users, certain activities are strictly prohibited:

Intellectual Property Rights

All content, trademarks, logos, and materials on our website and in our services are owned by Dremoraphyxis or used under license from third parties.

We grant you a limited, non-exclusive license to use our services for their intended purpose, subject to these terms and applicable law

Privacy and Data Protection

Your privacy is important to us and we handle your personal information according to our comprehensive privacy practices and applicable data protection laws.

Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal data Privacy Policy

Payment Terms and Conditions

Payment for our services is subject to the following terms and conditions:

• Subscription fees are charged monthly in advance and are non-refundable except as required by law
• All prices include applicable taxes and are quoted in Malaysian Ringgit (MYR)
• Payment must be made by authorized payment methods and charges may apply for certain payment types
• Failure to pay may result in service suspension or termination at our discretion

Limitation of Liability

To the fullest extent permitted by Malaysian law, our liability for any claims arising from your use of our services is limited as follows:

Indemnification Agreement

You agree to indemnify, defend, and hold harmless Dremoraphyxis and its affiliates from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution Process

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

Service Termination

Either party may terminate this agreement with 30 days written notice. We reserve the right to terminate immediately for violation of these terms or non-payment.

Upon termination, your access to services will cease and any outstanding payment obligations will become immediately due

Terms Modification Policy

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

Material changes will be communicated through email or website notifications at least 30 days before they take effect

Governing Law

These terms are governed by the laws of Malaysia and any disputes shall be subject to the jurisdiction of Malaysian courts, except where arbitration is required.

Severability Clause

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

Complete Agreement

These terms, together with our Privacy Policy and any additional agreements, constitute the complete agreement between you and Dremoraphyxis regarding our services.

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