Terms and Conditions
Introduction to Our Terms
These terms and conditions govern your use of Dravenoraqel's financial planning consultation services and website
Effective Date: July 23, 2025
By using our services, you agree to be bound by these terms and conditions
Definitions
For the purposes of these terms, the following definitions apply
- "Service" or "Services": Financial planning consultation services provided under our monthly subscription model
- "User" or "Client": Any individual who subscribes to or uses our consultation services
- "Website": The Dravenoraqel website and all associated digital platforms
- "Content": All information, materials, and guidance provided through our services
Use of Our Services
Our services are provided subject to the following conditions
Permitted Uses
- Accessing consultation services for personal financial planning purposes
- Using website resources for information about our services
- Communicating with our team regarding your consultation needs
User Responsibilities
As a user of our services, you agree to
- Provide accurate information during consultations
- Respect confidentiality of other clients' information
- Use our services in compliance with Malaysian law
- Pay subscription fees in accordance with agreed terms
Prohibited Activities
The following activities are strictly prohibited
- Sharing login credentials with unauthorized persons
- Using our services for illegal or fraudulent purposes
- Attempting to disrupt or interfere with our website or services
- Reproducing or distributing our proprietary content without permission
- Making false or misleading statements about our services
Intellectual Property Rights
All content, trademarks, and intellectual property on our website remain the exclusive property of Dravenoraqel
We grant you a limited, non-transferable license to use our services for personal purposes only
Privacy and Data Protection
Your privacy is important to us, and our data handling practices are detailed in our Privacy Policy
For detailed information about data processing, please refer to our Privacy Policy Privacy Policy
Service Disclaimers
Please note the following important disclaimers about our services
No Warranty
Services are provided "as is" without warranties of any kind, and individual results may vary based on personal circumstances
Limitation of Liability
Our liability is limited to the maximum extent permitted by Malaysian law
In no event shall our total liability exceed the amount of subscription fees paid by you in the 12 months preceding any claim
Indemnification
You agree to indemnify Dravenoraqel against claims arising from your use of our services or violation of these terms
Dispute Resolution
We are committed to resolving any disputes fairly and efficiently
Dispute Resolution and Arbitration
Disputes shall be resolved through binding arbitration in accordance with Malaysian arbitration rules
Arbitration proceedings shall be conducted in Kuala Lumpur under Malaysian Arbitration Act 2005
Alternative Dispute Resolution
For eligible disputes, mediation services are available through recognized Malaysian institutions
We are committed to resolving disputes fairly and efficiently
Termination of Services
Either party may terminate the subscription with 30 days written notice
Upon termination, access to consultation services will cease, but these terms shall survive regarding past use
Governing Law and Jurisdiction
These terms are governed by Malaysian law and subject to the jurisdiction of Malaysian courts
Any legal proceedings shall be conducted in the courts of Kuala Lumpur, Malaysia
Severability
If any provision is deemed invalid, the remaining terms shall continue in full force and effect
Entire Agreement
These terms constitute the complete agreement between you and Dravenoraqel regarding our services
Changes to Terms
We reserve the right to modify these terms with reasonable notice to subscribers
Significant changes will be communicated via email or website notification
Contact Information
For questions about these terms, contact us at info@dravenoraqel.com
Dravenoraqel
15 Jalan Ampang, Kuala Lumpur 50450
Email: info@dravenoraqel.com
Phone: +60 4 2961 3305
These terms were last updated on July 23, 2025
By continuing to use our services, you acknowledge that you have read and understood these terms