Important Disclaimers and Legal Information
Past performance does not guarantee future results.
Financial planning involves risks and individual results may vary based on personal circumstances.
General Disclaimer
The information provided on this website is for general informational and educational purposes only. It should not be considered as personalized financial advice, investment recommendations, or professional guidance tailored to your specific situation.
This disclaimer outlines the terms and limitations regarding the use of our website and the information contained within it.
Information Accuracy and Completeness
While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness, accuracy, reliability, or timeliness of all content on this website.
- Market conditions and financial regulations change frequently
- Information may become outdated without prior notice
- Third-party data sources may contain inaccuracies
No Professional Advice
The content on this website does not constitute professional financial, investment, legal, or tax advice. Our consultations provide analytical reviews and educational discussions about financial planning concepts.
Always consult qualified professionals before making significant financial decisions.
Limitation of Liability
To the maximum extent permitted by Malaysian law, Zeloraphiqen and its affiliates shall not be liable for any damages arising from:
- Use or inability to use our website or services
- Reliance on information provided through our consultations
- Technical issues, interruptions, or system failures
- Third-party content or external website links
External Links and Third-Party Content
Our website may contain links to external websites and third-party resources for your convenience and additional information.
We do not control or endorse these external sites and are not responsible for their content, privacy policies, or practices.
Use at Your Own Risk
Your use of this website and our services is entirely at your own risk and discretion.
You acknowledge that financial planning decisions carry inherent risks and should be made based on your own research and professional advice.
Results and Outcome Disclaimer
We make no guarantees regarding specific outcomes, financial improvements, or success rates from using our planning consultations.
Individual results may vary based on personal circumstances, market conditions, and implementation of discussed strategies.
Intellectual Property Rights
All content, materials, and resources on this website are protected by intellectual property laws and remain the property of Zeloraphiqen or its licensors.
Unauthorized reproduction or distribution of our content is strictly prohibited.
User Indemnification
By using our website and services, you agree to indemnify and hold harmless Zeloraphiqen from any claims, damages, or expenses arising from your use of our platform or violation of these terms.
Governing Law and Jurisdiction
These disclaimers and your use of our website are governed by Malaysian law and regulations.
Governing Law: Laws of Malaysia
Jurisdiction: Malaysian courts shall have exclusive jurisdiction over any disputes
Local regulations may apply based on your residence location.
Severability Clause
If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.
Modifications to Disclaimer
We reserve the right to update or modify this disclaimer at any time without prior notice.
Continued use of our website after changes constitutes acceptance of the updated terms.
Contact Information
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Acceptance of Terms
By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by all terms outlined in this disclaimer.
This disclaimer was last updated on July 21, 2025.
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