Terms and Conditions
These terms govern your use of our financial planning consultation services and website
Acceptance of Terms
By accessing our services or website, you agree to be bound by these terms and conditions
If you do not agree with these terms, please do not use our services
Service Description
Our subscription service includes the following consultation services
- Monthly one-on-one financial planning consultation sessions
- Personalized analysis of your financial situation and goals
- Ongoing support and guidance as your circumstances change
User Responsibilities
Users must fulfill certain responsibilities when using our services
Account Management
You are responsible for maintaining the confidentiality of your account information and notifying us of any unauthorized use
Information Accuracy
You must provide accurate and complete information for us to deliver effective consultation services
Legal Compliance
You agree to comply with all applicable laws and regulations in your use of our services
Prohibited Activities
The following activities are strictly prohibited when using our services
- Using services for illegal activities or fraudulent purposes
- Sharing account access or consultation materials with unauthorized parties
- Attempting to reverse engineer or copy our proprietary methodologies
- Providing false or misleading information during consultations
- Using our services to compete with or harm our business interests
Intellectual Property Rights
All content, methodologies, and materials provided through our services remain our exclusive intellectual property
Users may not reproduce, distribute, or create derivative works without written permission
Privacy Policy
Your privacy is important to us and is governed by our comprehensive Privacy Policy
Please review our Privacy Policy for detailed information about data collection and use Privacy Policy
Payment and Billing Terms
Understanding our billing practices and payment requirements
Monthly Billing: Services are billed monthly at RM 1,045 including 6% GST, with automatic renewal unless cancelled
Refund Policy: Refunds are not provided for consultation services already delivered, but unused portions may be refunded at our discretion
Cancellation Terms: You may cancel your subscription with 30 days written notice, with services continuing until the end of the current billing period
Limitation of Liability
Our liability is limited to the amount of fees paid in the preceding 12 months for our consultation services
We are not liable for indirect, consequential, or punitive damages arising from service use
User Indemnification
You agree to indemnify and hold us harmless from claims arising from your use of our services or violation of these terms
Dispute Resolution
Alternative dispute resolution options for service-related concerns
Dispute Resolution and Arbitration
Disputes will be resolved through binding arbitration under Malaysian Arbitration Act 2005, conducted in Kuala Lumpur
You waive the right to participate in class action lawsuits by agreeing to arbitration
EU Online Dispute Resolution
EU residents may access the Online Dispute Resolution platform for consumer disputes
Access EU ODR Platform: https://ec.europa.eu/consumers/odr
Our email for EU dispute resolution: info@aerolithumor.com: info@aerolithumor.com
Service Termination
We may terminate services immediately for breach of terms, illegal activity, or non-payment
Upon termination, your access to consultation services and materials will cease immediately
Governing Law
These terms are governed by Malaysian law, with disputes subject to Malaysian court jurisdiction
Severability
If any provision is unenforceable, the remaining terms continue in full force and effect
Complete Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between parties
Terms Modifications
We may modify these terms with 30 days notice to users via email or website announcement
Continued use after modifications constitutes acceptance of updated terms
Contact Details
For questions about these terms or to provide required notices, contact us using the information provided
Effective Date: July 28, 2025
Last Updated: August 26, 2025