Terms and Conditions of Service

Agreement Overview

Welcome to Lystranovaeq's terms and conditions. These terms govern your use of our financial planning subscription service and establish the legal relationship between you and our company.

By subscribing to our service or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms.

This agreement is legally binding and enforceable. If you do not agree with any provision, please do not use our services.

Important Definitions

The following terms have specific meanings throughout this agreement:

• Service: Our monthly financial planning subscription including consultations, analytical reviews, and related materials provided through Lystranovaeq
• User/Client: Any individual who subscribes to our service, creates an account, or accesses our website content
• Company/We/Us: Lystranovaeq and its affiliates, employees, and authorized representatives
• Content: All information, materials, consultations, reports, and resources provided through our service platform
• Agreement: These terms and conditions, along with our privacy policy and other applicable policies referenced herein

Service Eligibility Requirements

Our services are available to qualified individuals who meet the following criteria:

You must be at least 18 years old and legally capable of entering into binding contracts under applicable law.

By using our services, you represent that all information provided is accurate, complete, and truthful to the best of your knowledge.

Acceptable Use of Services

Your use of our services is subject to the following guidelines and restrictions:

Permitted Uses

• Accessing consultations and materials for personal financial planning purposes
• Participating in scheduled consultations and analytical review sessions
• Using provided resources and recommendations for your personal financial decisions
• Communicating with our team through designated channels for service-related matters

Prohibited Uses

• Sharing your account access with unauthorized third parties
• Using our service for illegal activities or fraudulent purposes
• Attempting to reverse engineer, copy, or redistribute our proprietary content
• Harassing, threatening, or abusing our staff or other clients
• Providing false or misleading information during consultations or account registration

Your Responsibilities as a Client

As a service subscriber, you agree to the following responsibilities:

• Provide accurate and complete financial information necessary for effective consultation services
• Maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access
• Pay subscription fees on time and maintain current billing information
• Respect scheduled consultation times and provide reasonable notice for cancellations or rescheduling
• Make independent financial decisions and seek additional professional advice when appropriate

Intellectual Property Rights

All content, materials, methodologies, and proprietary information provided through our service remain the intellectual property of Lystranovaeq.

We grant you a limited, non-exclusive license to use our materials solely for your personal financial planning purposes during your active subscription.

You may not reproduce, distribute, modify, or create derivative works from our proprietary content without explicit written permission.

Privacy and Data Handling

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

We collect and process personal and financial information necessary to provide consultation services and improve our offerings.

For detailed information about data practices, please review our Privacy Policy available on our website.

Payment Terms and Billing

Our subscription service operates on a monthly billing cycle with the following payment terms:

We accept major credit cards, bank transfers, and other payment methods as displayed during checkout. All prices include applicable GST.

Subscription fees are non-refundable. You may cancel your subscription at any time, with service continuing until the end of your current billing period.

Any billing disputes must be reported within 30 days of the transaction date for investigation and resolution.

Service Disclaimers and Warranties

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

We do not guarantee specific financial outcomes or results from following our consultation advice or analytical reviews.

Results may vary based on individual circumstances, market conditions, and personal financial decisions beyond our control.

Limitation of Liability

Our liability to you is limited to the total amount paid for services in the 12 months preceding any claim.

We shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services.

This limitation applies regardless of the legal theory underlying your claim and even if we have been advised of the possibility of such damages.

Indemnification Agreement

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

This includes legal fees and costs related to third-party claims resulting from your violation of these terms or misuse of our services.

Alternative Dispute Resolution

We are committed to resolving disputes amicably and offer multiple resolution options:

Arbitration Process

Any disputes arising from this agreement shall be resolved through binding arbitration rather than court litigation.

Arbitration will be conducted under the rules of the Malaysian Mediation Centre or similar recognized arbitration body.

Arbitration proceedings will take place in Kuala Lumpur, Malaysia, unless otherwise agreed by both parties.

EU Online Dispute Resolution

For European Union residents, alternative dispute resolution options are available:

EU residents may access the European Commission's Online Dispute Resolution platform for consumer disputes.: Visit the EU ODR platform at ec.europa.eu/consumers/odr

Our email for EU dispute resolution purposes is info@lystranovaeq.com

Service Termination

Either party may terminate this agreement at any time with appropriate notice, subject to the terms outlined in your subscription agreement.

Upon termination, your access to consultation services and proprietary materials will cease, though certain provisions of this agreement will survive termination.

Intellectual property rights, indemnification obligations, limitation of liability, and dispute resolution provisions survive termination of this agreement.

Governing Law and Jurisdiction

This agreement is governed by the laws of Malaysia, without regard to conflict of law principles.

Any legal proceedings shall be conducted in the appropriate courts of Malaysia, subject to arbitration provisions outlined above.

Some provisions may be modified by applicable consumer protection laws in your jurisdiction, which shall take precedence where required.

Agreement Modifications

We reserve the right to modify these terms at any time, with changes becoming effective upon posting to our website.

We will provide reasonable notice of significant changes through email or website notifications.

Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

General Legal Provisions

This agreement, together with our Privacy Policy and other referenced policies, constitutes the entire agreement between you and Lystranovaeq.

If any provision is found unenforceable, the remaining provisions will continue in full force and effect.

Our failure to enforce any provision does not constitute a waiver of our right to enforce that provision in the future.

You may not assign your rights or obligations under this agreement without our written consent. We may assign this agreement to affiliated entities.

Terms and Conditions Contact

For questions about these terms and conditions, contact us at info@lystranovaeq.com or +60 12 5431 6734.