Terms and Conditions of Use

Please read these terms to understand your responsibilities and our commitments when using financial resources on this site.

Last reviewed January 28, 2026.

Acceptance of Terms

By browsing and using this site, you agree to comply with and be bound by these terms and all applicable Malaysian laws. If you do not agree, discontinue use of our services immediately.

Definitions

These terms use the following definitions for clarity throughout this document.

"User" refers to any person accessing, using, or interacting with content or features on this website for information purposes.

"Website" and "we/us" mean pharenolivia.pro and its authorized representatives providing financial skill-building content.

"Content" covers all published articles, blog posts, resources, forms, and downloadable materials found on this site.

"Personal Information" means data you provide that can identify you individually.

Permitted Site Usage

Use this site only for lawful, personal, and non-commercial purposes. Content must not be reproduced or distributed without authorization.

Eligibility

Use of this website is permitted only by individuals who can legally form binding contracts in Malaysia.

Those under 18 should not submit personal information via our forms.

User Responsibilities

Users are expected to adhere to the responsibilities listed below when accessing this site.

Provide accurate and up-to-date information when submitting inquiries or forms.
Do not misuse or attempt to disrupt website services or security features.
Respect intellectual property rights and do not copy or share content without written consent.
Abide by Malaysian laws governing financial advisory content online.

Prohibited Uses

Certain actions are strictly prohibited to maintain a respectful and lawful environment.

Misrepresenting your identity or pretending to be another person.
Attempting to access, breach, or disrupt the site’s systems or user data.
Using content for commercial or competitive gain without approval.
Introducing malicious software, viruses, or harmful code.
Violating Malaysian regulations related to financial information or advertising.

Intellectual Property Rights

All materials on this site, including text, logos, images, and blog posts, remain property of pharenolivia.pro. No part of the website may be copied or re-used without express permission.

User-Generated Content

Submitting comments or feedback grants us the right to moderate and use submissions as appropriate.

Rights in User Submissions

We may display, edit, or remove user submissions if they violate terms or relevant regulations.

Privacy Policy Reference

Your use of the site is also governed by the Privacy Policy. Please review it for information on data handling.

View Privacy Policy

Important Disclaimers

All content is for informational purposes and not financial advice or guarantees.

Disclaimer Warning

Past performance does not guarantee future results. Results may vary for individuals.

Limitation of Liabilities

We are not liable for losses from content reliance or website interruptions.

User Indemnification

You agree to indemnify us for claims arising from your breach of these terms.

Dispute Resolution Methods

Any disputes regarding these terms will be addressed as described below.

Arbitration

Disputes may be resolved through confidential arbitration, in line with Malaysian law.

Arbitration does not preclude you from statutory legal remedies.

Online Dispute Resolution

Users may seek online dispute resolution as outlined by local authorities.

Contact for Dispute Resolution

Severability

If any term is invalid, other terms remain in effect.

Entire Agreement Statement

These terms represent the full agreement between users and pharenolivia.pro.

Governing Law and Jurisdiction

Malaysian law applies to interpretation and enforcement of site terms.

Account Termination

We reserve the right to terminate access for rule violations or illegal activity.

Policy Modifications

Terms may change periodically. Continued use after updates signals acceptance.

Contact for Terms Queries

For questions about our terms, please reach out.

Contact Email: content@pharenolivia.pro

Phone: +6016-948 0515

Business Address: Sandbox Coworking Space, Bandar Sunway, 47500 Petaling Jaya, Selangor Malaysia

Effective Date: Effective January 28, 2026

Version: v3