Terms and Conditions of Service

Acceptance of Terms

By accessing and using our website and consultation services, you agree to be bound by these terms and conditions. Please read them carefully before proceeding.

These terms constitute a legally binding agreement between you and Ximathoravel Financial Services. If you do not agree with any part of these terms, please discontinue use of our services.

Important Definitions

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

• • Service: Financial consultation, analytical review sessions, and related professional advisory discussions provided by Ximathoravel
• • User/Client: Any individual accessing our website or engaging our consultation services
• • Content: All information, text, graphics, and materials available through our website and services
• • Agreement: These terms and conditions, along with our Privacy Policy and other referenced policies

Service Usage Guidelines

Our consultation services are provided subject to proper usage and mutual professional respect. The following guidelines apply to all client interactions.

Client Responsibilities

Effective consultation requires mutual cooperation and honest communication. As our client, you agree to the following responsibilities.

• • Provide accurate and complete information during consultation discussions
• • Respect appointment schedules and provide reasonable notice for changes
• • Maintain confidentiality of proprietary analytical methods and tools
• • Use consultation insights responsibly and in accordance with discussed parameters
• • Comply with applicable laws and regulations regarding financial activities

Prohibited Activities

To maintain service quality and legal compliance, certain activities are strictly prohibited when using our services.

• • Misrepresenting personal circumstances or financial information during consultations
• • Attempting to reverse-engineer or copy proprietary analytical methods
• • Using consultation insights for illegal activities or unauthorized advisory services
• • Harassment, abuse, or unprofessional conduct toward staff or other clients
• • Violation of intellectual property rights or confidentiality agreements

Intellectual Property Rights

All content, analytical methods, proprietary tools, and materials used in our services remain the exclusive property of Ximathoravel Financial Services. Clients receive consultation insights for personal use only.

Unauthorized reproduction, distribution, or commercial use of our intellectual property is strictly prohibited and may result in legal action.

Privacy and Data Protection

Your privacy is important to us. Please review our comprehensive Privacy Policy for detailed information about data collection, usage, and protection practices. Privacy Policy

Service Disclaimers

Limitation of Liability

Our liability for any claims arising from consultation services is limited to the fees paid for the specific service in question, except where prohibited by Malaysian law.

Under no circumstances shall our total liability exceed the amount paid for consultation services in the 12 months preceding the claim, regardless of the legal theory involved.

User Indemnification

You agree to indemnify and hold harmless Ximathoravel Financial Services from any claims, damages, or expenses arising from your use of our services or breach of these terms.

Dispute Resolution

We're committed to resolving any disputes professionally and efficiently through established procedures and recognized mediation services.

Service Termination

Either party may terminate consultation arrangements with reasonable notice. We reserve the right to discontinue services for breach of terms or unprofessional conduct.

Upon termination, client obligations regarding confidentiality and intellectual property continue in full force and effect.

Governing Law and Jurisdiction

These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts for legal proceedings and enforcement.

Terms Modification

We may modify these terms to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated with reasonable advance notice.

Continued use of our services after terms modification constitutes acceptance of the updated agreement.

Severability of Terms

If any provision of these terms is deemed unenforceable, the remaining provisions shall continue in full force and effect without impairment.

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between parties regarding consultation services.

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