Terms of Use

1. Acceptance of Terms

By accessing and using the Jovexyzalora financial services platform (jovexyzalora.sbs), 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 Jovexyzalora, operating from Malaysia.

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

2. Service Description

Jovexyzalora provides educational resources and information about retirement planning basics through our online platform. Our services include educational content, learning programs, and informational resources to help users understand financial planning concepts.

Important Notice: We provide educational information only. Jovexyzalora does not provide personalized financial advice, investment recommendations, or guarantee specific financial outcomes. All content is for educational purposes and should not be considered as professional financial advice.

3. User Responsibilities

As a user of our platform, you agree to:

• Provide accurate and complete information when creating accounts or submitting forms
• Use the platform only for lawful purposes and in accordance with these terms
• Maintain the confidentiality of your account credentials
• Not share, reproduce, or distribute our educational content without permission
• Respect intellectual property rights of all materials on the platform
• Not attempt to gain unauthorized access to any part of the platform
• Report any security vulnerabilities or inappropriate content immediately

4. Intellectual Property Rights

All content on the Jovexyzalora platform, including but not limited to text, graphics, logos, images, audio clips, video content, and software, is the property of Jovexyzalora or its content suppliers and is protected by Malaysian and international copyright laws.

Users are granted a limited, non-exclusive, non-transferable license to access and use the platform for personal, non-commercial purposes. This license does not include the right to download, modify, or redistribute any content without explicit written permission.

5. Privacy and Data Protection

Jovexyzalora is committed to protecting your privacy and handling your personal data in accordance with Malaysian data protection laws. We collect and use personal information solely for the purpose of providing our educational services and improving user experience.

Your personal information will not be sold, shared, or distributed to third parties without your explicit consent, except as required by law or as necessary to provide our services. Users have the right to request access to, correction of, or deletion of their personal data.

6. Limitation of Liability

Jovexyzalora provides educational content and information on an "as is" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any information provided on the platform.

In no event shall Jovexyzalora be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the platform or reliance on any information provided. This includes but is not limited to financial losses, lost profits, or damages resulting from investment decisions made based on our educational content.

7. User Content and Conduct

Users may submit comments, questions, or other content through our platform. By submitting content, you grant Jovexyzalora a non-exclusive, royalty-free license to use, modify, and display such content in connection with our services.

You agree not to submit content that is:

• Defamatory, abusive, or harassing in nature
• Infringing on intellectual property rights of others
• Containing false or misleading information
• Promoting illegal activities or violating any laws
• Containing viruses, malware, or other harmful code

8. Termination

Jovexyzalora reserves the right to terminate or suspend user accounts at any time, with or without notice, for violations of these terms or for any other reason deemed appropriate by Jovexyzalora management.

Users may terminate their account at any time by contacting our support team. Upon termination, your right to use the platform ceases immediately, though certain provisions of these terms will survive termination.

9. Governing Law

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 the platform shall be subject to the exclusive jurisdiction of Malaysian courts.

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

10. Changes to Terms

Jovexyzalora reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on the platform. Users will be notified of significant changes through email or platform notifications.

Your continued use of the platform after any modifications constitutes acceptance of the revised terms. We recommend reviewing these terms periodically to stay informed of any updates.