Terms and Conditions

Terms of Service

These Terms and Conditions ("Terms") govern your use of the Lytharomexivo website and financial planning services provided by Lytharomexivo Financial Planning Services. By accessing our website or using our services, you agree to be bound by these Terms.

Please read these Terms carefully before using our services. Your continued use of our website and services constitutes acceptance of these Terms.

Definitions

For the purposes of these Terms, the following definitions apply:

  • • "Service": Financial planning consultation and related services provided by Lytharomexivo
  • • "User" or "Client": Any individual who accesses our website or uses our services
  • • "Content": All information, text, graphics, and materials on our website
  • • "Agreement": These Terms and Conditions along with our Privacy Policy

Use of Our Services

Our financial planning services are provided subject to the following conditions:

Permitted Use

  • • Services are for personal, non-commercial use only
  • • You must provide accurate and complete information
  • • You must be at least 18 years of age to use our services

User Responsibilities

By using our services, you agree to:

  • • Provide accurate and truthful information during consultations
  • • Maintain the confidentiality of any account credentials
  • • Use our services in compliance with applicable laws
  • • Respect the intellectual property rights of our content
  • • Notify us promptly of any changes to your information

Prohibited Activities

You may not use our services to:

  • • Engage in any unlawful or fraudulent activities
  • • Interfere with or disrupt our website or services
  • • Attempt to gain unauthorized access to our systems
  • • Copy, distribute, or modify our proprietary content
  • • Use our services to harm, harass, or threaten others
  • • Violate any applicable laws or regulations

Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Lytharomexivo and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

All materials are copyright 2025 Lytharomexivo Financial Planning Services unless otherwise noted.

User-Generated Content

Any information or content you provide during consultations or communications remains confidential and is used solely for providing our services.

By providing information, you grant us a limited license to use it for the purpose of delivering financial planning services.

Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Privacy Policy

Service Disclaimers

Our financial planning services are provided for informational and consultation purposes only. We do not guarantee specific financial outcomes or results. Past performance does not guarantee future results.

Our services are provided "as is" without warranties of any kind, either express or implied.

Limitation of Liability

To the maximum extent permitted by law, Lytharomexivo shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Our total liability to you shall not exceed the amount you have paid for our services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Lytharomexivo from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently:

Arbitration

Disputes shall be resolved through binding arbitration in accordance with Malaysian arbitration law.

Arbitration proceedings shall be conducted under the rules of the Kuala Lumpur Regional Centre for Arbitration.

EU Online Dispute Resolution

For EU residents, online dispute resolution is available through the European Commission's ODR platform.

EU ODR Platform: ec.europa.eu/consumers/odr

Termination

Either party may terminate the service relationship with 30 days' written notice. We reserve the right to terminate services immediately for breach of these Terms.

Upon termination, your access to services will cease, but these Terms shall remain in effect for resolved matters.

Governing Law

These Terms are governed by the laws of Malaysia and subject to the exclusive jurisdiction of Malaysian courts.

Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lytharomexivo regarding our services.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website.

We will notify users of material changes via email or website notice. Continued use after changes constitutes acceptance.

Contact Information

For questions about these Terms, please contact us:

Company: Lytharomexivo

Email: info@lytharomexivo.com

Address: Lebuh Farquhar, 10200 George Town, Penang, Malaysia

These Terms are effective as of August 25, 2025

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