Terms of Use

Acceptance of Terms

By accessing and using the Lythavixozyna website (lythavixozyna.sbs) and our retirement planning educational services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and Lythavixozyna, a financial education platform operating in Malaysia.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of our platform after any modifications to these terms constitutes acceptance of the updated terms.

Service Description and Educational Nature

Lythavixozyna provides educational resources and learning programs focused on retirement planning basics. Our services are designed to enhance your understanding of financial planning concepts and retirement preparation strategies. We offer comprehensive educational content, learning programs, and upcoming courses to help individuals develop their financial literacy.

All information provided through our platform is for educational purposes only and should not be construed as personalized financial advice. We strongly recommend consulting with qualified financial advisors before making any investment or retirement planning decisions.

User Responsibilities and Conduct

As a user of our platform, you agree to use our services responsibly and in accordance with applicable laws. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account.

You agree not to engage in any activity that could harm our platform, other users, or the integrity of our educational programs. This includes but is not limited to attempting to gain unauthorized access, distributing malicious software, or engaging in harassment of other users.

Intellectual Property Rights

All content on the Lythavixozyna platform, including but not limited to educational materials, course content, text, graphics, logos, and software, is the property of Lythavixozyna or our content partners and is protected by Malaysian and international copyright laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our educational materials for personal learning purposes only. This license does not permit you to:

Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal information in accordance with Malaysian data protection laws. When you use our services, we may collect certain information to provide you with better educational experiences and to communicate important updates about our programs.

By using our platform, you consent to our collection and use of your information as described in our Privacy Policy. We implement appropriate security measures to protect your data, but please note that no system is completely secure.

You have the right to request access to your personal data, request corrections, or request deletion of your information, subject to certain legal limitations and our legitimate business needs for providing educational services.

Disclaimers and Limitation of Liability

Our educational services are provided "as is" without warranties of any kind, either express or implied. While we strive to provide accurate and up-to-date educational content, we cannot guarantee that all information will be error-free or suitable for your specific circumstances.

You acknowledge that financial planning and retirement preparation involve inherent risks and uncertainties. Our educational content is designed to help you understand these concepts, but individual results may vary. We strongly encourage seeking professional financial advice tailored to your specific situation.

Our maximum liability to you for any claim arising from these terms or your use of our services shall not exceed the amount you have paid us for services in the twelve months preceding the claim.

Modifications and Termination

We reserve the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we will notify users through our website or via email for registered users.

We may suspend or terminate your access to our services if you violate these terms or engage in conduct that we determine, in our sole discretion, to be harmful to our platform or other users. You may also terminate your use of our services at any time by ceasing to access our platform.

Upon termination, your right to access our educational materials will cease immediately, though certain provisions of these terms will survive termination, including those relating to intellectual property, disclaimers, and limitation of liability.

Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Before pursuing formal legal action, we encourage users to contact us directly to resolve any concerns or disputes. Many issues can be resolved through direct communication, and we are committed to working with our users to address legitimate concerns about our educational services.

If a dispute cannot be resolved through direct communication, both parties agree to attempt mediation before pursuing litigation. Any mediation shall be conducted in accordance with Malaysian dispute resolution practices.