Terms and Conditions of Service
Acceptance of Terms
By accessing and using this website and our services, you accept and agree to be bound by the terms and provisions of this agreement
If you do not agree to abide by the above, please do not use this service
Definitions and Key Terms
For the purposes of this agreement, the following terms have the meanings set forth below
- Service: Refers to the financial planning consultation and analysis services provided by Saruthalivane
- User: Any individual who accesses or uses our website or services
- Content: All information, text, graphics, or other materials available through our service
- Agreement: These terms and conditions along with our privacy policy and other legal notices
Acceptable Use of Service
You may use our service only for lawful purposes and in accordance with this agreement
Permitted Uses
- Accessing financial planning information and consultations
- Using our contact forms and communication tools as intended
- Participating in legitimate business discussions and consultations
Prohibited Activities
The following activities are strictly prohibited when using our service
- Using the service for any unlawful purpose or illegal activity
- Attempting to gain unauthorized access to our systems
- Harassing, threatening, or intimidating other users or our staff
- Submitting false or misleading information
- Using automated systems to access our service without permission
Your Responsibilities as a User
As a user of our service, you agree to maintain certain standards and responsibilities
Account Security
You are responsible for maintaining the confidentiality of your account information and password
Accurate Information
You agree to provide true, accurate, and complete information when using our services
Legal Compliance
You must comply with all applicable local, state, national, and international laws
Intellectual Property Rights
All content and materials available on our website are protected by copyright, trademark, and other intellectual property laws
Unauthorized use of our content is strictly prohibited and may result in legal action
Privacy and Data Protection
Your privacy is important to us, and we handle your personal data in accordance with our privacy policy
Please review our Privacy Policy for detailed information about data collection and use Privacy Policy
Disclaimers and Warranties
Our services are provided on an 'as is' basis without warranties of any kind
No Warranty
We make no representations or warranties regarding the accuracy or completeness of our content
Limitation of Liability
In no event shall Saruthalivane be liable for any indirect, incidental, special, or consequential damages
Our maximum liability shall not exceed the amount paid by you for our services
Indemnification
You agree to indemnify and hold harmless Saruthalivane from any claims arising from your use of our services
Dispute Resolution
We are committed to resolving disputes fairly and efficiently
Arbitration Process
Most disputes can be resolved through friendly discussion and mediation
- Any formal disputes shall be resolved through binding arbitration
- Arbitration shall be conducted according to Malaysian commercial arbitration rules
- Arbitration proceedings shall take place in Kuala Lumpur, Malaysia
Online Dispute Resolution
For international users, online dispute resolution platforms may be available
Alternative dispute resolution methods are encouraged before formal proceedings Learn about dispute resolution options
We are committed to fair and timely resolution of all disputes
Termination of Service
Either party may terminate this agreement with appropriate notice as required by law
Upon termination, your right to use our services ceases immediately
Governing Law and Jurisdiction
This agreement shall be governed by and construed in accordance with the laws of Malaysia
Changes to Terms
We reserve the right to modify these terms at any time, with changes becoming effective upon posting
Continued use of our services after changes constitutes acceptance of new terms
Severability
If any provision of these terms is found unenforceable, the remaining provisions shall remain in effect
Entire Agreement
This agreement constitutes the entire agreement between you and Saruthalivane regarding use of our services
Contact Information for Terms
For questions about these terms and conditions, please contact us using the information provided on our website
Email: info@saruthalivane.com
Phone: +601672504819
Address: Jalan Raja, Kuala Lumpur City Centre, 50050 Kuala Lumpur, Malaysia
Effective Date: July 28, 2025
Last Updated: July 23, 2025