Luminarivia - Practical guidance and real stories from a Malaysian financial expert

Acceptance of Terms

By using this site, you agree to be bound by the rules outlined here and in any accompanying documents. If you disagree, you must not use the site.

Definitions

Key terms here clarify our policies and your rights when using our site.

"Website" means luminarivia.pro, its content, and all features presented.

"User" or "You" refers to anyone accessing luminarivia.pro.

"Content" includes articles, posts, and all information on the site.

"Service" means any feature or resource available via luminarivia.pro.

Website Usage Rules

You may only use features and content as permitted, and for non-commercial, lawful purposes.

Eligibility

You must be at least 18 years old or have appropriate legal capacity to use this site.

Use by minors is not permitted.

User Responsibilities

As a user, you are responsible for your actions and the information you provide.

Provide accurate, up-to-date information when required.

Comply with laws and not misuse the site's content or features.

Communicate respectfully with others and site administrators.

Keep your login information secure, where applicable.

Prohibited Activities

The following activities are not allowed on this site:

Posting fraudulent, misleading, or unlawful content.

Using the website for commercial solicitation or advertising.

Attempting unauthorized access to systems or accounts.

Violating intellectual property rights of others.

Harassing, abusing, or threatening users or staff.

Intellectual Property

All site content is protected by copyright or other proprietary rights. You may not reproduce or distribute our content without prior written consent.

User Generated Content

Any information you share must be accurate and non-infringing. You grant us permission to use entries as appropriate.

Your Content Rights

You maintain ownership of posted content but allow us to use or modify submissions for site purposes.

Privacy Statement

Please see our Privacy Policy to understand how information is collected and used. By using the site, you consent to these practices.

See Privacy Policy

Important Disclaimers

All information is provided for general awareness. Use discretion before making decisions based on website content.

Result Disclaimer

Results may vary for each user, and no content constitutes financial, legal, or professional advice.

Limitation of Liability

We are not liable for losses or damages arising from information on the site, except as required by law.

Indemnification

By using luminarivia.pro, you agree to indemnify us against losses resulting from your violation of these terms.

Resolving Disputes

We encourage discussion to resolve any issues before formal steps.

Arbitration

Where applicable, disputes will be subject to binding arbitration as allowed under Malaysian law.

Details are available upon request.

Online Dispute Resolution

For cross-border issues, you may access independent online dispute options.

Read full disclaimer

Severability

If any term is found invalid, others remain effective.

Full Agreement

These terms, along with referenced documents, form the entire agreement.

Governing Law and Jurisdiction

Malaysian law applies exclusively.

Account Termination

We may suspend account access for serious breaches of terms or law.

Policy Changes

These terms may change—please check for updates. Continued use means acceptance of changes.

Contact for Terms

For questions, reach out using provided contact information.

Contact Email: content@luminarivia.pro

Phone: +60 9-821 6163

Office Address: Regus - Shah Alam, Wisma Sunway, Shah Alam, Selangor 40400 Malaysia

Terms and Conditions for Using luminarivia.pro