Terms and Conditions of Service

Agreement to Terms

Welcome to Zenoralquinth Financial Planning Services. These Terms and Conditions govern your use of our website and subscription-based financial planning 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 do not agree with any part of these terms, you should not use our website or services

Definitions and Key Terms

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

  • "Services": Our subscription-based financial planning consultations, analytical reviews, and related advisory services provided through Zenoralquinth
  • "Subscription": Your monthly recurring payment arrangement for ongoing access to our financial planning consultation services
  • "Client" or "You": Any individual or entity that subscribes to or uses our financial planning services and website
  • "Platform": Our website, online tools, and digital systems used to deliver our financial planning services

Acceptable Use of Our Services

To maintain a professional environment and protect all users, please observe these guidelines when using our services:

Permitted Activities

  • Using our consultation services for legitimate personal financial planning purposes
  • Accessing educational content and resources provided through our platform
  • Participating in scheduled consultations and following recommended planning processes

Prohibited Activities

  • Using our services for any illegal, fraudulent, or harmful purposes
  • Sharing your account access with unauthorized individuals or entities
  • Attempting to reverse engineer, hack, or compromise our platform security
  • Using our services to compete with or replicate our business model

Your Responsibilities as a Client

To ensure effective service delivery and maintain professional standards, you agree to:

  • Provide accurate and complete financial information during consultations and assessments
  • Maintain the confidentiality of your account credentials and notify us of any unauthorized access
  • Attend scheduled consultations or provide reasonable notice for cancellations
  • Use our recommendations and insights responsibly, understanding that implementation decisions are ultimately yours

Intellectual Property Rights

All content, materials, methodologies, and intellectual property provided through our services remain the exclusive property of Zenoralquinth. This includes but is not limited to consultation frameworks, analytical tools, and proprietary planning approaches.

You may use our materials for personal financial planning purposes but may not reproduce, distribute, or commercialize any content without written permission

Payment Terms and Billing

Our subscription-based model includes the following payment terms and conditions:

  • Monthly Subscription Fee: RM 250 per month, billed automatically on your subscription anniversary date
  • Payment Method: Automatic billing to your designated credit card or bank account, with backup payment methods available
  • Price Changes: We may adjust subscription prices with 30 days written notice to active subscribers
  • Taxes and Fees: All prices include applicable GST and taxes as required by Malaysian law

Termination of Services

Either party may terminate this agreement under the following conditions:

You may cancel your subscription at any time with 30 days notice. We may terminate services for non-payment, violation of terms, or discontinuation of business operations

Upon termination, access to ongoing consultations ceases, but you retain access to previously provided materials for 90 days

Limitation of Liability

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

We are not liable for indirect, consequential, or punitive damages arising from market conditions, implementation decisions, or circumstances beyond our reasonable control

Indemnification Agreement

You agree to indemnify and hold harmless Zenoralquinth, its employees, and affiliates from claims, damages, or expenses arising from your misuse of services, violation of these terms, or any unlawful activities.

Alternative Dispute Resolution

In the event of disputes, we encourage good faith resolution through the following processes:

Mediation and Arbitration

Disputes not resolved through direct negotiation will be addressed through mediation, and if necessary, binding arbitration under Malaysian arbitration rules

Arbitration proceedings will be conducted in Kuala Lumpur, Malaysia, with costs shared equally between parties

Malaysian Consumer Protection

Malaysian consumers may also seek resolution through the Financial Mediation Bureau or relevant consumer protection agencies

Alternative dispute resolution resources are available through Malaysian regulatory authorities: Financial Mediation Bureau

Governing Law and Jurisdiction

All disputes and legal matters shall be resolved according to Malaysian federal law and relevant state regulations where applicable

Severability of Terms

If any provision of these terms is found invalid or unenforceable, the remaining provisions continue in full effect without modification

Complete Agreement

These terms, along with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Zenoralquinth regarding our services

Changes to These Terms

We may update these terms to reflect changes in law, business practices, or service offerings. Material changes will be communicated with at least 30 days notice

Continued use of our services after changes indicates acceptance of updated terms

Questions About These Terms

If you have questions about these terms, need clarification on any provisions, or want to discuss specific circumstances, please contact us using the information provided below

Email Address: info@zenoralquinth.com

Phone Number: +601793821506

Business Address: Jalan Stesen Bukit Bendera, Ayer Itam, 11500 Penang, Malaysia

Last Updated: July 20, 2025

Effective Date: July 20, 2025