Terms and Conditions

These Terms and Conditions govern your use of Talorivence's financial planning services and website. By using our services, you agree to these terms.

  1. Service Description: Talorivence provides subscription-based financial planning services including personal financial planning, investment strategy, and budget optimization. Our services are advisory in nature and do not guarantee specific financial outcomes.

  2. Subscription Terms:

    • Monthly subscription fee: $50 USD per month
    • Payment is due monthly in advance
    • Services include monthly consultations and ongoing support
    • Subscription automatically renews unless cancelled

  3. Cancellation Policy:

    • You may cancel your subscription at any time
    • Cancellation takes effect at the end of the current billing period
    • No refunds for partial months
    • 30-day written notice required for cancellation

  4. Client Responsibilities:

    • Provide accurate and complete financial information
    • Implement recommendations at your own discretion
    • Maintain confidentiality of proprietary advice
    • Pay subscription fees on time

  5. Limitation of Liability: Talorivence provides advisory services only. We are not liable for:

    • Investment losses or financial outcomes
    • Decisions made based on our recommendations
    • Market fluctuations or economic changes
    • Indirect or consequential damages

  6. Professional Standards: Our advisors adhere to professional standards and ethical guidelines. However, our advice is general in nature and may not be suitable for all situations.

  7. Confidentiality: We maintain strict confidentiality of your financial information in accordance with professional standards and Malaysian privacy laws.

  8. Intellectual Property: All content, materials, and advice provided by Talorivence remain our intellectual property and may not be reproduced without permission.

  9. Governing Law: These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts.

  10. Regulatory Compliance: Our services comply with applicable Malaysian financial services regulations. We are not licensed to provide specific investment advice or sell financial products.

  11. Dispute Resolution: Any disputes will be resolved through good faith negotiation. If unresolved, disputes may be submitted to mediation or arbitration.

  12. Modifications: We reserve the right to modify these terms with 30 days written notice. Continued use of services constitutes acceptance of modified terms.

  13. Severability: If any provision of these terms is deemed invalid, the remaining provisions remain in full force and effect.

Contact Information: For questions about these terms, contact us at info@talorivence.com or +60 3-2161 8888.

These terms are effective as of June 20, 2025.