Terms and Conditions
Introduction
Welcome to Quinariphose. These Terms and Conditions govern your use of our website and 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 services. If you disagree with any part of these terms, you may not access our services.
Definitions
For the purposes of these Terms and Conditions:
- "Company" or "we" or "us" or "our": Refers to Quinariphose
- "Service" or "Services": Refers to financial planning consultation services provided through our website
- "User" or "you" or "your": Refers to the individual accessing or using our services
- "Content": Refers to all information, text, graphics, and materials available through our services
Use of Our Services
When using our services, you agree to comply with all applicable laws and these terms.
Permitted Uses
- Access and use services for legitimate financial planning consultation purposes
- Provide accurate information during consultations and account registration
- Maintain confidentiality of your account credentials and personal information
Prohibited Uses
- Using services for any unlawful purpose or in violation of applicable regulations
- Attempting to gain unauthorized access to our systems or other users' accounts
- Distributing harmful software or engaging in any activity that disrupts our services
- Misrepresenting your identity or providing false information during consultations
User Responsibilities
As a user of our services, you are responsible for:
- Providing accurate and complete information during consultations
- Maintaining the confidentiality of your account information
- Notifying us promptly of any unauthorized use of your account
- Using services in accordance with these terms and applicable laws
Intellectual Property Rights
All content, trademarks, and intellectual property on our website remain the property of Quinariphose or our licensors.
You may not reproduce, distribute, or create derivative works from our content without explicit written permission.
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.
Please review our Privacy Policy to understand how we handle your personal data. Privacy Policy
Limitation of Liability
To the maximum extent permitted by Malaysian law:
Service Disclaimer
Our consultation services are provided for informational purposes. We do not guarantee specific financial outcomes or results from following consultation recommendations.
Indemnification
You agree to indemnify and hold harmless Quinariphose from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Dispute Resolution
Any disputes arising from these terms will be resolved through the following mechanisms:
Arbitration
Disputes will be resolved through binding arbitration under the Malaysian Arbitration Act 2005.
Arbitration proceedings will be conducted in English and take place in Kuala Lumpur, Malaysia.
EU Online Dispute Resolution
For EU residents, alternative dispute resolution may be available through consumer protection mechanisms.
EU consumers can access the Online Dispute Resolution platform at: https://ec.europa.eu/consumers/odr
Termination
We reserve the right to terminate or suspend your access to our services at our discretion, with or without notice, for any violation of these terms.
Upon termination, your right to use our services will cease immediately, though certain provisions of these terms will survive termination.
Governing Law
These terms are governed by and construed in accordance with the laws of Malaysia. Malaysian courts have exclusive jurisdiction over any disputes arising from these terms.
Severability
If any provision of these terms is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Quinariphose regarding use of our services.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Continued use of our services constitutes acceptance of modified terms.
Last Updated: July 29, 2025
Contact Information
For questions about these terms, please contact us at info@quinariphose.com or +60 12 6792 0074.