Terms and Conditions

These Terms and Conditions govern your use of Luremiqoshan and website. Please read them carefully before using our services.

Effective Date: July 20, 2025

Acceptance of Terms

By accessing our website or using our services, you agree to be bound by these Terms and Conditions and our Privacy Policy.

These terms constitute a legally binding agreement between you and Luremiqoshan.

Service Description

Luremiqoshan Financial Planning provides subscription-based financial planning and consultation services to individuals and families in Malaysia.

Our services include financial analysis, planning recommendations, and ongoing consultation support as outlined in your service agreement.

User Responsibilities

As a user of our services, you agree to:

  • Provide accurate and complete financial information
  • Maintain the confidentiality of any login credentials
  • Use our services only for lawful purposes
  • Notify us promptly of any changes in your financial situation
  • Comply with all applicable laws and regulations

Prohibited Uses

You may not use our services or website to:

  • Engage in any fraudulent, abusive, or illegal activity
  • Attempt to gain unauthorized access to our systems
  • Distribute malware or engage in harmful cyber activities
  • Violate any applicable laws or regulations

Intellectual Property

All content, trademarks, and intellectual property on our website and in our materials remain the property of Luremiqoshan Financial Planning or our licensors.

Unauthorized reproduction or distribution of our content is prohibited without written permission.

Limitation of Liability

To the maximum extent permitted by Malaysian law, Luremiqoshan Financial Planning shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Our total liability shall not exceed the amount paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Luremiqoshan Financial Planning from any claims, damages, or expenses arising from your violation of these terms or misuse of our services.

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through the following process:

Binding Arbitration

Disputes will be resolved through binding arbitration under the Arbitration Act 2005 of Malaysia, with proceedings conducted in Kuala Lumpur.

Alternative Resolution

Clients may also seek resolution through the Securities Industry Dispute Resolution Center (SIDREC) for financial service disputes.

Alternative Dispute Resolution Information

Termination

Either party may terminate the service agreement with 30 days written notice. We reserve the right to suspend services immediately for breach of these terms.

Upon termination, your access to our services will cease, and any outstanding fees remain payable.

Governing Law

All matters relating to this website shall be governed by the laws of Malaysia, without regard to conflict of law provisions.

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Terms

We may update these Terms and Conditions periodically. Significant changes will be communicated via email or website notice.

Continued use of our services after changes constitutes acceptance of the updated terms.

Contact Information

For questions about these Terms and Conditions, please contact us at info@luremiqoshan.com.

Email: info@luremiqoshan.com

Telephone: +60 12 0332 9451

Address: 15 Jalan Ampang, Kuala Lumpur 50450