General Information Disclaimer

Important Notice

Information is for general awareness.

Results may vary depending on your situation.

The content on luminarivia.pro provides general information only and should not be considered financial, legal, or professional advice. Consult qualified professionals before making decisions based on site material.

General Notice

While we strive to ensure accuracy, we do not guarantee completeness or timeliness of information. No endorsement of third-party sites, products, or services is implied.

Liability Limitations

Your use of site content is at your own risk:

We are not liable for damages or losses arising from reliance on site content.
No responsibility for technical failures or site interruptions.
Links to third parties do not imply responsibility for their content.
No warranties, explicit or implied, are made regarding outcomes.

Accuracy and Updates

We aim to keep information accurate and current but reserve the right to change content without notice. Always verify important details.

Accuracy is not guaranteed.

No Professional Advice

Content does not replace personalized advice from qualified professionals in finance or law.

External Links

We are not responsible for policies or content on linked third-party websites.

Results Disclaimer

Outcomes from applying information on this site differ based on individual needs and choices.

Variation in Circumstances

Results may change due to differences in personal circumstances or market factors.

Financial Guidelines Only

All financial insights provided are for general information purposes.

Certain financial concepts may require further clarification.
Consult banks or licensed advisors for specific financial product questions.
APR, fees, or terms are examples for guidance and may change.

Local Jurisdiction

Site use is governed by Malaysian law.

Legal requirements may differ in other countries. Confirm compliance before acting.

Malaysian laws exclusively apply to this website.

You are responsible for compliance with local regulations.

Indemnification

By using this site, you agree to indemnify us for claims resulting from misuse or non-compliance.

Severability

If any part of this disclaimer is invalid, others remain effective.

Policy Updates

We may revise this disclaimer. Continued use means acceptance of changes.

Contact Us

Ask questions or request clarification using the provided contact methods.

Contact Email: content@luminarivia.pro

Phone: +60 9-821 6163

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

Date Effective: January 14, 2026

Last updated: January 14, 2026