Terms and Conditions
Service Agreement
These terms govern your use of Lythoranquivo and our subscription-based consultation platform
By using our services, you agree to comply with and be bound by these terms and conditions
Definitions
Key terms used throughout this agreement
- Services: Financial consultation and analytical review services provided through our subscription platform
- Subscriber: Individual or entity that has purchased access to our financial planning services
- Platform: Our website, tools, and communication systems used to deliver services
- Consultation: Professional discussion regarding your financial situation and planning options
Permitted Use of Services
Our services are intended for legitimate financial planning purposes
You may use our services to
- Receive personalized financial consultations and analytical reviews
- Access resources and tools provided through your subscription
- Communicate with our financial planning professionals
Prohibited Activities
The following activities are strictly prohibited
- Sharing account credentials or subscription access with unauthorized persons
- Using our services for illegal activities or fraudulent purposes
- Attempting to disrupt or compromise our platform security
- Misrepresenting information during consultations or application processes
Your Responsibilities
As a service subscriber, you are responsible for
- Providing accurate and complete information during consultations
- Maintaining the confidentiality of your account information
- Using our services in accordance with these terms
- Making final financial decisions based on your own judgment
Intellectual Property
All content, methodologies, and materials provided through our services remain the intellectual property of Lythoranquivo
Unauthorized reproduction or distribution of our materials is prohibited
Subscription and Payment Terms
Your subscription includes the following terms
- Payment Processing: Monthly subscriptions are processed automatically through secure payment systems
- Billing Schedule: Subscriptions renew monthly on your enrollment date
- Refund Policy: Subscriptions fees are non-refundable except as required by Malaysian consumer protection laws
- Cancellation Terms: You may cancel your subscription at any time with 30 days written notice
Limitation of Liability
Our liability is limited to the amount paid for services in the preceding 12 months. We are not liable for indirect or consequential damages
Liability Cap
Maximum liability shall not exceed RM 10,000 or your annual subscription fee, whichever is lower
Alternative Dispute Resolution
Disputes will be resolved through the following process
Arbitration Process
Disputes not resolved through direct negotiation will be subject to binding arbitration under Malaysian law
Arbitration will be conducted according to Malaysian Arbitration Rules
International Dispute Resolution
For international subscribers, alternative dispute resolution may be available through recognized mediation services
Service Termination
We may terminate services under the following circumstances
- Violation of these terms and conditions
- Non-payment of subscription fees
- Fraudulent or illegal use of our platform
Terms Modifications
We reserve the right to modify these terms with reasonable notice to subscribers
Significant changes will be communicated via email or platform notification
Governing Law and Jurisdiction
Malaysian federal and state regulations
Severability
If any provision of these terms is found invalid, the remaining provisions shall continue in full force and effect
Contact Information
For questions about these terms, please contact us using the information provided on our website
Email: info@lythoranquivo.com
Phone: +60 17 9634 9033
Business Address: 56 Jalan Ampang, Kuala Lumpur, Malaysia
Last updated: August 6, 2025
Version 2.1 - Effective July 26, 2025