Terms and conditions
Over half of Malaysians feel uneasy without a financial buffer. These terms and conditions exist to provide structure, clarify responsibilities, and protect the rights of all users and service providers. Read carefully before engaging with pemarvolient.sbs or its services.
July 18, 2026
Acceptance of terms
By accessing or using this website, you confirm your acceptance of these terms and conditions. If you do not agree, please discontinue use. Continued use indicates your ongoing consent to all stated terms.
Definitions
These definitions clarify key terms used in these terms and conditions to avoid misunderstanding and provide clear guidance for all users.
'Website' refers to pemarvolient.sbs and all related pages, features, and content provided on this platform.
'User' means any individual or entity who accesses, browses, or interacts with the website or its services in any manner.
'Services' includes the tools, information, routines, and support offered by pemarvolient.sbs to promote financial safety and well-being.
'Content' covers all text, graphics, images, audio, video, code, and other materials published on or accessible through this website, whether produced by us or submitted by users, and regardless of format or delivery method.
Permitted usage
Use this website only for lawful, personal, and non-commercial purposes. Commercial exploitation of the services or content is not permitted without written consent.
Eligibility
This website is intended for users who are legally capable of entering binding agreements under Malaysian law. Access may be restricted for individuals under 18 or those prohibited by local regulations.
Please ensure you meet eligibility criteria before using our services or providing personal information.
User responsibilities
Your actions on this website directly affect your experience and the security of your data. Use the platform thoughtfully and in accordance with these terms.
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You are responsible for maintaining the confidentiality of your login credentials and any activity that occurs under your account.
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Notify us promptly of any unauthorized use of your account or security breach. We are not responsible for losses resulting from your failure to safeguard access.
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You are responsible for the accuracy of information you provide. Inaccurate, misleading, or incomplete details may result in restriction or termination of your access.
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It is your duty to review these terms regularly to stay informed about your rights and obligations as a user of the site.
Prohibited uses
Certain uses of this website are expressly forbidden to maintain security and protect all users.
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You may not use this website for any unlawful, fraudulent, or harmful purpose, or to violate the rights of others.
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Do not attempt to interfere with, disrupt, or circumvent the website’s security features, technical systems, or data protection measures. Such actions are strictly forbidden.
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Refrain from transmitting malware, unsolicited promotions, or any form of malicious or unauthorized content via this site.
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You may not harvest, scrape, or collect user information without explicit consent, nor exploit the website for unsolicited commercial gain or third-party benefit.
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Impersonation of any person or misrepresentation of your affiliation with any entity is prohibited. Respect the authenticity and security of the platform.
Intellectual property
All website content is protected by intellectual property laws. Unauthorized use, reproduction, or distribution of materials is strictly prohibited. You may use content only for your personal, non-commercial reference.
User-submitted content
Any content you submit remains your responsibility. You must ensure it is lawful, accurate, and does not infringe the rights of others.
User content rights
By submitting content, you grant us a license to use, display, or distribute it as necessary to provide services. You retain ownership, but grant us rights needed for operation.
Privacy
Your privacy is protected under our Privacy Policy, which explains how your data is collected, stored, and used. Please review the policy for details on your rights and our commitments.
Privacy PolicyDisclaimer
Information and services on this website are offered for general awareness. We do not provide legal, financial, or other regulated advice. Use the site at your own discretion and consult professionals as needed.
Warning and limitation
No guarantee is made regarding the completeness or ongoing accuracy of information. We are not liable for outcomes resulting from reliance on any content or service provided.
Limitation of liability
Pemarvolient is not liable for any direct, indirect, or incidental damages resulting from your use of the website. Your actions and decisions are your own responsibility.
Indemnification
You agree to indemnify and hold harmless Pemarvolient, its affiliates, team members, and partners against any claims or liabilities arising from your use of the website or violation of these terms.
Dispute resolution
In the event of a disagreement, we encourage users to contact us first. Most concerns can be addressed quickly and amicably with our support team.
Dispute arbitration
Disputes that cannot be settled amicably may be referred to confidential arbitration in Malaysia. This process aims for a fair, impartial, and efficient resolution without court proceedings.
Arbitration does not restrict your statutory consumer rights. You may still have recourse through courts where required by law.
EU dispute platform
For users in the European Union, disputes may also be submitted through the EU’s Online Dispute Resolution platform. This offers an independent method for resolving cross-border consumer issues online.
EU Online Dispute ResolutionGoverning law
These terms are governed by the laws of Malaysia. Any disputes related to your use of this site will be resolved under Malaysian jurisdiction unless local laws require otherwise.
Termination of access
We reserve the right to suspend or terminate access to the website or services at our sole discretion, without prior notice, for violations of these terms or for other valid reasons.
Modifications
We may update these terms at any time. Changes are effective when posted. By continuing to use the website, you agree to the updated terms. Check this page regularly for revisions.
Severability
If any part of these terms is determined to be invalid or unenforceable, the remaining sections remain in full effect and enforceable to the extent permitted by law.
Entire agreement
These terms, along with our Privacy Policy and other posted notices, represent the full agreement between you and Pemarvolient. Any earlier statements, discussions, or communications do not override these terms.
How to contact us
Contact our team if you have questions about these terms, your rights, or any aspect of our services. We aim to respond promptly and transparently to all inquiries.
Email: content@pemarvolient.sbs
Phone: +6019-265 3574
Address: No. 1 & 3, Jalan P. Ramlee, Level 23, Menara Hap Seng 3, Kuala Lumpur 50250 Malaysia
Effective date: July 18, 2026
Version: 1.0