Terms and Conditions
Service Agreement
These terms and conditions govern your use of Merolynthari's financial planning subscription service. By subscribing to our service, you agree to these terms.
Effective Date: August 10, 2025
Last Updated: August 21, 2025
Acceptance of Terms
By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by this disclaimer and all applicable terms.
Definitions
For the purposes of this agreement, the following terms have these meanings:
- • Service: Our monthly financial planning subscription including consultations and analytical reviews
- • Subscriber: Any individual or entity that has subscribed to our financial planning service
- • Consultation: Personalized discussion sessions regarding financial planning and resource allocation
- • Analytical Review: Comprehensive examination of financial information and circumstances
Use of Our Services
Your use of our financial planning service is subject to the following conditions:
Eligibility Requirements
You must be at least 18 years old and have legal capacity to enter into this agreement. Our services are available to residents of Malaysia.
Account Registration
You must provide accurate and complete information during registration and keep your account information updated.
Your Responsibilities
As a subscriber, you agree to:
- • Provide accurate financial information for consultations and reviews
- • Maintain confidentiality of your account access credentials
- • Use the service only for lawful purposes related to financial planning
- • Respect intellectual property rights of all materials provided
- • Notify us promptly of any changes to your contact information
Prohibited Uses
You may not use our service to:
- • Provide false or misleading information about your financial situation
- • Attempt to gain unauthorized access to our systems or other accounts
- • Use the service for any illegal activities or fraud
- • Share account access with unauthorized third parties
- • Reverse engineer or copy our proprietary methodologies
Intellectual Property Rights
All content, materials, and intellectual property on this website are owned by Merolynthari or our licensors. Unauthorized use, reproduction, or distribution is strictly prohibited without written permission.
All content and materials provided remain our intellectual property and may not be reproduced without permission.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
Payment and Subscription Terms
Our subscription service is billed monthly at RM 250 per month. Payment is due in advance and processed automatically using your chosen payment method.
Service Fees
All prices include applicable GST/SST. Additional fees may apply for specialized services outside the standard subscription.
Refund Policy
Monthly subscription fees are non-refundable once services have been accessed during that billing period.
Service Disclaimers
Our service provides financial planning consultations and analytical reviews, not regulated financial advice or guaranteed results.
Services are provided "as is" without warranties of any kind, either express or implied.
Limitation of Liability
To the maximum extent permitted by law, Merolynthari's liability is limited to the amount of subscription fees paid in the 12 months preceding any claim.
In no event shall our total liability exceed RM 3,000 per subscriber.
User Indemnification
Users agree to indemnify and hold harmless Merolynthari from any claims, damages, or expenses arising from their use of our website or services, including any violation of these terms.
Dispute Resolution
Any disputes arising from this agreement will be resolved through the following process:
Dispute Resolution Process
Disputes will first be addressed through direct negotiation, followed by mediation if necessary, and ultimately through Malaysian court proceedings if required.
Online Dispute Resolution
For EU residents, online dispute resolution is available through the EU ODR platform.
EU residents may access the EU ODR platform for dispute resolution
Termination
Either party may terminate this agreement with 30 days written notice. We may terminate immediately for breach of these terms.
Upon termination, access to services will cease and no refunds will be provided for unused portions of the subscription period.
Governing Law
This agreement is governed by Malaysian law and subject to the jurisdiction of Malaysian courts.
Modifications to Terms
We reserve the right to modify these terms with 30 days advance notice to subscribers.
Severability
If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy, constitute the entire agreement between the parties.
Contact Us About Cookies
For questions about these terms, contact us at info@merolynthari.com or +60 12 4406 6518.
Email: info@merolynthari.com
Phone: +60 12 4406 6518
Address: 91 Jalan Sultan Ismail, Kuala Lumpur