Important Disclaimers

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. All content is based on our understanding of current Malaysian regulations and market conditions as of the publication date.

We make reasonable efforts to ensure accuracy, but financial markets and regulations change frequently. Always verify current information independently and consider your specific circumstances before making financial decisions.

Limitation of Liability

To the fullest extent permitted by Malaysian law, Xylaverniqo limits liability for any damages arising from the use of our services or website content, including but not limited to:

• • Direct, indirect, incidental, or consequential damages resulting from financial planning decisions
• • Loss of profits, revenue, or business opportunities based on our recommendations or analysis
• • Technical issues, website downtime, or interruption of subscription services
• • Third-party actions or market conditions beyond our reasonable control
• • Misunderstandings or misinterpretation of provided guidance or consultation content

Information Accuracy

We strive to maintain current and accurate information across all our platforms. However, financial markets, tax regulations, and economic conditions in Malaysia change regularly, which may affect the relevance of previously published content.

Users are responsible for verifying information currency and seeking updated guidance during consultations. We recommend discussing any significant financial decisions during scheduled consultation sessions rather than relying solely on general website content.

Individual results may vary based on personal circumstances, market conditions, and adherence to recommended strategies

Professional Consultation Notice

Our subscription service provides financial planning consultations based on individual circumstances discussed during sessions. This personalized guidance differs from general information available on our website or marketing materials.

Always discuss your specific situation during consultation sessions before implementing any financial strategies. General content should not replace personalized guidance tailored to your circumstances.

External Links and References: External Links and References

External Links and References

Our website may contain links to third-party websites, financial institutions, or service providers for reference purposes. These links are provided for convenience and do not constitute endorsement of their services or content.

We are not responsible for the content, privacy practices, or services provided by external websites. Users should review third-party terms and conditions independently before engaging with linked services.

Financial Risk Disclaimer

Financial planning and money management involve inherent risks that can affect your financial situation. Our consultation service aims to provide guidance, but cannot eliminate all financial risks or guarantee specific outcomes.

• • Market volatility may impact the performance of financial strategies discussed during consultations
• • Economic conditions in Malaysia and globally can affect the effectiveness of planning recommendations
• • Personal circumstances may change, requiring adjustment of previously discussed financial approaches
• • Regulatory changes may impact the applicability of certain financial planning strategies

Intellectual Property Rights

All content, methodologies, and proprietary analysis tools used in our consultation service are owned by Xylaverniqo and protected under Malaysian intellectual property laws. Subscribers receive access to personalized guidance but not ownership of underlying methodologies.

Reproduction, distribution, or commercial use of our consultation materials, methodologies, or proprietary content is prohibited without written permission.

Legal Jurisdiction and Governing Law

These disclaimers and our service terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts, with specific provisions as follows:

User Indemnification

Subscribers agree to indemnify Xylaverniqo against any claims, damages, or legal costs arising from misuse of our consultation service, violation of our terms, or implementation of financial strategies without proper consultation. This includes costs related to legal proceedings initiated by third parties based on subscriber actions.

Severability Clause

If any provision of these disclaimers is deemed invalid or unenforceable under Malaysian law, the remaining provisions shall continue in full force and effect. Invalid provisions will be replaced with enforceable terms that most closely reflect the original intent.

Disclaimer Modifications

Xylaverniqo reserves the right to update these disclaimers to reflect changes in Malaysian regulations, service offerings, or legal requirements. Material changes will be communicated to active subscribers through email notification.

Continued use of our service after disclaimer updates constitutes acceptance of revised terms. Subscribers who disagree with changes may cancel their subscription according to our standard cancellation procedures.

Contact Information for Legal Matters

For questions regarding these disclaimers or legal aspects of our service, please contact us using the following information: