Terms and Conditions of Service

Welcome to Miravexilion's comprehensive terms and conditions. These terms govern your subscription to our financial planning consultation services and establish the framework for our professional relationship under Malaysian law.

Last Updated: July 28, 2025

Acceptance of Service Terms

By subscribing to Miravexilion's financial planning service, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. Your continued use of our consultation services constitutes ongoing acceptance of any updates to these terms.

Important Definitions and Terminology

For clarity in our professional relationship, the following terms have specific meanings:

• Service Definition: Our financial planning consultation service including monthly analytical reviews, personalized discussions, and resource recommendations delivered through subscription model at RM 1,040 monthly (equivalent to $250 USD)
• Client Definition: Any individual aged 18 or above who subscribes to our financial planning consultation service and participates in scheduled analytical review sessions
• Company Definition: Miravexilion Financial Planning Sdn Bhd, a Malaysian company providing subscription-based financial planning consultations and analytical reviews
• Content Definition: All materials, discussions, recommendations, and analytical frameworks provided during consultation sessions and through our client dashboard

Service Usage Guidelines and Expectations

Our consultation service is designed to provide analytical reviews and personalized financial planning discussions subject to these guidelines:

Client Responsibilities and Obligations

To ensure effective consultation sessions, clients agree to:

• Provide accurate and complete information during consultation sessions for proper analytical review
• Maintain confidentiality of proprietary consultation methodologies and analytical frameworks
• Use consultation insights responsibly and seek additional professional advice when appropriate
• Pay subscription fees promptly according to the agreed monthly billing schedule
• Communicate changes in circumstances that may affect consultation relevance and effectiveness

Prohibited Activities and Service Limitations

The following activities are strictly prohibited in connection with our consultation service:

• Recording or distributing consultation content without explicit written permission from Miravexilion
• Using consultation insights to provide financial advice to third parties or operate competing services
• Attempting to reverse-engineer or replicate our proprietary analytical methodologies and consultation frameworks
• Sharing login credentials or allowing unauthorized access to your consultation dashboard and resources
• Making false claims about guaranteed results or specific outcomes from our consultation discussions

Intellectual Property Rights and Ownership

All consultation methodologies, analytical frameworks, proprietary tools, and content remain the exclusive property of Miravexilion. Clients receive limited usage rights for personal financial planning purposes only, without transfer or commercial usage permissions.

Privacy and Data Protection Standards

Client information handling is governed by our comprehensive Privacy Policy, which complies with Malaysian Personal Data Protection Act 2010 and international privacy standards. Consultation discussions remain confidential subject to legal disclosure requirements.

Service Disclaimers and Important Limitations

Important disclaimers regarding our consultation service limitations:

Liability Limitation and Financial Responsibility

Miravexilion's liability is limited to the total subscription fees paid in the preceding 12 months. We accept no responsibility for financial losses arising from client decisions made subsequent to consultation discussions, except where such losses result directly from our negligence.

Client Indemnification Agreement

Clients agree to indemnify Miravexilion against any claims, damages, or legal costs arising from their use of consultation insights, implementation of discussed strategies, or violation of these terms and conditions.

Subscription Termination and Service Discontinuation

Either party may terminate the consultation subscription under the following circumstances:

• Client may cancel subscription with 30 days written notice, with no refund for partial months
• Miravexilion may terminate service for non-payment, terms violation, or inappropriate conduct during consultations
• Either party may terminate immediately for material breach of confidentiality or professional conduct standards

Alternative Dispute Resolution

We encourage direct communication to resolve any concerns about our consultation service. For formal disputes, Malaysian law provides several resolution mechanisms.

Applicable Law and Legal Jurisdiction

All disputes shall be resolved under Malaysian federal law and regulations applicable to financial services

Severability of Contract Terms

If any provision of these terms is deemed unenforceable under Malaysian law, the remaining provisions shall continue in full force and effect without affecting the overall validity of our service agreement.

Complete Agreement Statement

These terms, together with our Privacy Policy and service disclaimers, constitute the complete agreement between client and Miravexilion regarding consultation services. No verbal agreements or informal understandings modify these written terms.

Terms Modification and Updates

We may update these terms to reflect changes in Malaysian law, our service offerings, or industry standards. Significant changes will be communicated at least 30 days before implementation through your consultation dashboard.

Contact Information for Terms-Related Queries

For questions about these terms and conditions or to discuss specific service arrangements: