These Terms and Conditions govern your use of Ramethorix financial planning services. By subscribing to our services, you agree to these terms.
Service description: Ramethorix provides subscription-based financial planning services including budgeting tools, investment guidance, and professional consultations. Services are delivered through our online platform and scheduled consultations.
Subscription terms:
Cancellation policy:
User responsibilities:
Financial advice disclaimer: Our services provide general financial planning guidance. We do not provide specific investment advice or guarantee financial outcomes. Users should consider their personal circumstances and consult qualified professionals for specific financial decisions.
Intellectual property: All content, software, and materials are owned by Ramethorix or licensed partners. Users receive limited license to use services for personal purposes only.
Limitation of liability: Ramethorix's liability is limited to the amount paid for services in the 12 months preceding any claim. We are not liable for indirect, consequential, or punitive damages.
Privacy and data protection: Personal information handling is governed by our Privacy Policy, which forms part of these terms.
Governing law: These terms are governed by Malaysian law. Disputes will be resolved through Malaysian courts or arbitration as applicable.
Service availability: We strive for continuous service availability but do not guarantee uninterrupted access. Maintenance and updates may cause temporary interruptions.
Modifications: We may update these terms with 30 days notice. Continued use constitutes acceptance of changes.
Termination: We may terminate accounts for breach of terms, non-payment, or other valid reasons with appropriate notice.
Contact information: For questions about these terms, contact us at legal@ramethorix.com or +60 3-2116 8900.
These terms are effective from June 20, 2025, and supersede all previous agreements.