Important Disclaimers and Risk Warnings

Please read these important disclaimers carefully before using our financial planning subscription service. Your use of this website constitutes acceptance of these terms

General Disclaimer

The information provided through our subscription service is for general informational purposes only and should not be considered as personalized financial advice. Results may vary based on individual circumstances, market conditions, and personal financial situations

Information Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content. Market conditions change rapidly and information may become outdated

• Market data and financial information are subject to change without notice
• Economic conditions and regulations may affect the relevance of provided information
• Individual financial situations require personalized assessment beyond general guidance

Limitation of Liability

Our liability is limited to the maximum extent permitted by Malaysian law. We are not responsible for any losses or damages arising from your use of our service

• No liability for investment losses or financial decisions made based on our consultations
• Limited liability for technical issues or service interruptions
• No responsibility for third-party information or external market factors
• Liability capped at the total subscription fees paid in the preceding 12 months

Financial Services Disclaimer

Our subscription service provides consultation and analytical reviews only. We do not provide specific investment recommendations or manage client funds directly. All financial decisions remain solely with the subscriber

Individual results may vary significantly based on personal circumstances and market conditions

Professional Advice Notice

Our service complements but does not replace professional financial advice from qualified advisors. Consider consulting certified financial planners or tax professionals for specific situations

External Links Disclaimer

Our website may contain links to external resources. We are not responsible for the content, accuracy, or practices of third-party websites

Intellectual Property Rights

All content, materials, and methodologies provided through our subscription service are protected by intellectual property laws and remain the property of Xylorithaneq

User Indemnification

Subscribers agree to indemnify and hold harmless Xylorithaneq from any claims, damages, or expenses arising from their use of our service or financial decisions made based on our consultations

Governing Law and Jurisdiction

These disclaimers are governed by Malaysian law and subject to the jurisdiction of Malaysian courts

• All disputes will be resolved under Malaysian legal framework
• Local consumer protection laws may provide additional rights
• International subscribers acknowledge Malaysian jurisdiction

Local regulations and consumer protection laws may provide additional rights beyond these disclaimers

Severability Clause

If any provision of these disclaimers is found unenforceable, the remaining provisions will continue in full force and effect

Changes to Disclaimers

We reserve the right to update these disclaimers periodically. Continued use of our service after changes constitutes acceptance of updated terms

Acceptance of Terms

By subscribing to our service, you acknowledge that you have read, understood, and agree to be bound by these disclaimers and risk warnings

Contact Information for Disclaimer Questions

If you have questions about these disclaimers, please contact us using the information below

August 22, 2025