Terms and Conditions

Acceptance of Terms

By accessing and using Pyravioneth's financial planning services, you agree to be bound by these Terms and Conditions

These terms constitute a legally binding agreement between you and Pyravioneth Sdn Bhd

Definitions

For clarity, the following definitions apply throughout these terms

  • Service: Financial planning subscription service including monthly consultations and ongoing support
  • User/Client: Any individual who subscribes to or uses our financial planning services
  • Content: All information, advice, materials, and resources provided through our service
  • Agreement: These Terms and Conditions along with our Privacy Policy and other applicable policies

Service Usage Rules

To ensure a positive experience for all clients, please observe these usage guidelines

Permitted Uses

  • Use services for legitimate personal financial planning purposes
  • Provide accurate information during consultations and registration
  • Respect scheduled appointment times and cancellation policies

Prohibited Uses

  • Share login credentials or access with unauthorized persons
  • Use services for illegal activities or fraudulent purposes
  • Attempt to disrupt or interfere with service operations
  • Reproduce or distribute our proprietary materials without permission

Your Responsibilities

As a service subscriber, you agree to the following responsibilities

  • Provide accurate and complete financial information for effective planning
  • Maintain confidentiality of your account credentials
  • Notify us promptly of any changes to your contact information
  • Make timely payments according to your subscription plan

Intellectual Property

All content, trademarks, and materials provided through our service remain the property of Pyravioneth Sdn Bhd

You may not copy, distribute, or create derivative works from our proprietary materials without written permission

Privacy and Data Protection

Your privacy is important to us. Data collection and usage are governed by our Privacy Policy

Privacy Policy: View complete Privacy Policy for detailed information about data handling practices

Payment Terms

The following payment terms apply to your subscription

  • Payment Methods: Credit card, debit card, and bank transfer accepted
  • Billing Cycle: Monthly billing on the same date each month from subscription start
  • Refund Policy: Refunds may be considered within 7 days of initial subscription based on individual circumstances
  • Cancellation: You may cancel your subscription at any time with 30 days written notice

Limitation of Liability

To the maximum extent permitted by Malaysian law, Pyravioneth's liability is limited to the amount paid for services in the 12 months preceding any claim

We shall not be liable for indirect, consequential, or punitive damages arising from service use

Dispute Resolution

We encourage resolving disputes through direct communication with our customer service team

Arbitration

Unresolved disputes may be subject to binding arbitration under Malaysian arbitration rules

Arbitration proceedings will be conducted in English in Kuala Lumpur, Malaysia

Alternative Dispute Resolution

Malaysian consumers may access the Financial Mediation Bureau for financial service disputes

Malaysian consumers may access dispute resolution through official channels: Financial Mediation Bureau

Termination

Either party may terminate the service agreement with appropriate notice as specified in these terms

Upon termination, access to services ceases, though certain provisions survive termination

Modifications to Terms

We reserve the right to modify these terms at any time to reflect changes in our services or legal requirements

Material changes will be communicated via email and posted on our website

Severability

If any provision of these terms is deemed unenforceable, the remaining provisions continue in full force

Entire Agreement

These terms, along with our Privacy Policy, constitute the complete agreement between you and Pyravioneth

Contact Information

For questions about these Terms and Conditions, please contact us using the information provided on our website

Email: info@pyravioneth.com

Phone: +60 4 6009 4922

Address: Level 25, UOA Business Park, Jalan Pengaturcaraan, Seksyen U1, 40150 Shah Alam, Selangor

Effective Date: August 4, 2025

Last Updated: July 22, 2025