Terms and Conditions of Service

Service Agreement

These Terms and Conditions govern your use of Serquintavos financial consultation services. By accessing our website or using our services, you agree to be bound by these terms.

Please read these terms carefully before using our consultation services or submitting any information through our website.

Important Definitions

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

  • "Services": Our financial planning consultation services, analytical reviews, and related discussions provided through subscription or individual sessions
  • "Client" or "You": Any individual or entity that uses our consultation services or accesses our website
  • "Consultation": Personal discussions and analytical reviews regarding financial planning concepts and approaches
  • "Content": All information, materials, and resources provided through our website and consultation services

Acceptable Use of Services

Our consultation services are provided for legitimate financial planning discussions only. You agree to use our services responsibly and in accordance with these terms.

Permitted Uses

  • Scheduling and participating in financial planning consultations
  • Accessing general financial information and resources on our website
  • Communicating with our consultants about your financial planning needs

Your Responsibilities

As a user of our consultation services, you agree to:

  • Provide accurate and complete information during consultations
  • Respect the intellectual property rights of Serquintavos and third parties
  • Use our services in compliance with applicable laws and regulations
  • Maintain the confidentiality of any login credentials or access information

Prohibited Activities

The following activities are strictly prohibited when using our services:

  • Attempting to gain unauthorized access to our systems or client information
  • Using our services for any illegal or fraudulent purposes
  • Sharing, reproducing, or distributing our proprietary consultation materials without permission
  • Disrupting or interfering with our website functionality or security measures
  • Misrepresenting your identity or providing false information during consultations

Intellectual Property

All content, materials, trademarks, and intellectual property on our website and in our consultations remain the exclusive property of Serquintavos.

We grant you a limited, non-exclusive license to access and use our services for personal financial planning purposes only.

Privacy and Data Processing

Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy and applicable data protection laws.

Please review our Privacy Policy for detailed information about data collection, use, and your rights. Privacy Policy

Payment and Subscription Terms

Our consultation services are provided on a subscription basis with the following terms:

  • Monthly subscription fee of RM 250 (inclusive of applicable taxes) for ongoing consultation access
  • Payments are processed automatically on your billing date each month
  • Subscription cancellation requires 30 days' notice and takes effect at the end of your current billing period

Service Disclaimers

Our consultation services are provided "as is" without warranties of any kind. We make no guarantees about specific financial outcomes or results.

We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by Malaysian law, Serquintavos's liability for any claims arising from our services is limited to the amount you paid for consultations in the preceding 12 months.

Under no circumstances shall our total liability exceed RM 3,000 regardless of the nature of the claim.

Indemnification

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

Dispute Resolution Process

For consumer disputes, you may access alternative dispute resolution platforms:

Arbitration Agreement

Any disputes arising from our services shall be resolved through binding arbitration in accordance with Malaysian Arbitration Act 2005.

  • Arbitration proceedings shall be conducted in English in Kuala Lumpur, Malaysia
  • The arbitrator's decision shall be final and binding on all parties
  • Each party shall bear their own costs unless otherwise awarded by the arbitrator

EU Online Dispute Resolution

For European Union residents, alternative dispute resolution may be available through the EU ODR platform.

Access the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr/: https://ec.europa.eu/consumers/odr

We will participate in good faith in any alternative dispute resolution proceedings.

Service Termination

Either party may terminate the consultation agreement with appropriate notice. We reserve the right to terminate services immediately for violations of these terms.

Upon termination, your access to consultation services will cease, but these terms shall survive regarding prior use and obligations.

Governing Law

These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts for any matters not resolved through arbitration.

Terms Modifications

We may update these terms periodically to reflect changes in our services or legal requirements. We will provide notice of material changes.

Continued use of our services after changes constitutes acceptance of updated terms.

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force and effect.

Complete Agreement

These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Serquintavos regarding our services.

Terms-Related Contact

For questions about these Terms and Conditions, contact us using the information provided in our Contact section.

Email: info@serquintavos.com

Phone: +60 17 8883 8188

Address: Level 15, Menara Prestige, Jalan Pinang, Kuala Lumpur

By using our services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

Last Updated: August 3, 2025