General terms

Access to certain features and services on NuronVSenior.digital is intended for individuals who meet eligibility criteria, including jurisdictional and age-related requirements. Some services are specifically designed for retirees and those seeking retirement planning and pension advice in Malaysia.

Our primary services are designed for individuals who are retired or near retirement. In Malaysia, retirement-related services typically assume adult users; if you are acting on behalf of another person, you must have legal authority to do so.

Users must use NuronVSenior services lawfully. Activities that violate Malaysian law or that are fraudulent, deceptive or intended to facilitate unlawful conduct are prohibited. We may deny access or take other actions where necessary to comply with legal obligations.

NuronVSenior operates primarily within Malaysia. Availability of certain services may be restricted in jurisdictions outside Malaysia due to local regulatory requirements. Users are responsible for ensuring service suitability in their location.

To access some features, users may need to create an account. Accurate and current account information helps us deliver services effectively and protect user data.

You agree to provide accurate, complete and up-to-date information when creating an account or using services. Incorrect information can affect the quality of pension consulting and legal assistance provided.

You are responsible for maintaining the confidentiality of login credentials and for any activity occurring under your account. Notify NuronVSenior promptly if you suspect unauthorized access.

Accounts, login credentials and any associated rights are personal and non-transferable unless expressly agreed in writing by NuronVSenior.

If you believe your account has been compromised, contact us immediately at the address provided in these terms so we can take appropriate steps to secure your information and provide guidance.

NuronVSenior reserves the right to suspend or restrict access to accounts where there is suspected misuse, security concerns, or violation of these terms. We will attempt to notify affected users where feasible.

NuronVSenior offers information, consultation and assistance related to retirement planning, pension entitlements, document preparation, and referrals to qualified legal professionals. Services may include explaining pension rules, assisting with benefit applications, and providing templates for common documents. Some services are advisory and do not replace independent legal representation when required.

Service descriptions, features, and availability may change over time. We will update information on NuronVSenior.digital and communicate significant changes to registered users as appropriate.

Service availability may be affected by staff capacity, local regulations, and third-party provider availability. We do not promise uninterrupted access to all features at all times.

When using NuronVSenior.digital and related services, users must follow rules designed to ensure safety, legality and respectful interaction.

• Comply with all applicable laws and regulations in your communications and use of the service.
• Do not submit content that is fraudulent, defamatory, obscene, or infringing on others’ rights.
• Use the platform in a respectful manner; harassment or abusive behaviour toward staff or other users is prohibited.
• Do not attempt to gain unauthorized access to any system or user account.
• Do not impersonate another person or provide false identity information.
• Do not upload harmful software, viruses, or any material intended to disrupt services.
• Do not use the platform to send unsolicited commercial messages or spam.

You may submit documents, messages or other content to use our services or to share feedback. This content is subject to the rules and licensing described below.

You retain ownership of content you submit, except for content you provide under a separate agreement that transfers rights. By submitting content you confirm you have the rights necessary to do so.

By submitting content to NuronVSenior you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce and process that content as necessary to provide services, operate the website, and comply with legal obligations.

You are responsible for ensuring submitted content is accurate, lawful, and does not violate third-party rights. NuronVSenior is not responsible for verifying the legal sufficiency of user-submitted documents.

We may remove or disable access to user content that violates these terms or applicable law. Requests to remove content for lawful reasons can be made to our contact address and will be handled in accordance with applicable procedures.

All intellectual property rights in the NuronVSenior.digital website, branding, materials and proprietary content are owned or licensed by NuronVSenior. Unauthorized use of our intellectual property is prohibited.

• Do not copy, reproduce or distribute site content without prior written permission.
• Do not reverse engineer or attempt to extract source code from our platform.
• Do not use our activity, logos or branding in a way that suggests endorsement without consent.

NuronVSenior may offer paid consultation, document preparation, or premium support services. Paid services are subject to separate terms described at the point of sale.

Prices for paid services will be displayed clearly at the time of selection. Pricing may vary by service type and scope. Exact fees for complex matters will be provided in writing prior to commencement.

Payment must be completed using accepted payment methods listed during checkout. Services will not commence until payment is received in accordance with the applicable ordering process.

Where subscription services are offered, renewal and billing terms will be described at signup. Users are responsible for cancelling subscriptions before renewal if they do not wish to continue.

Refunds and credits are assessed on a case-by-case basis in line with the service description and consumer protection laws. If you believe a refund is appropriate, contact our support team with details and supporting documentation.

You may cancel paid services in accordance with the cancellation terms provided at purchase. Cancellation may affect access to premium features and any scheduled consultations.

Applicable taxes or duties on paid services may be added to the purchase price. Users are responsible for any local taxes imposed in their jurisdiction.

We may change prices from time to time. Price changes will not affect payments already made for prepaid services unless otherwise stated at the time of purchase.

Failure to pay for services may result in suspension of access, withholding of deliverables, or referral to collection processes where permitted by law.

Information and materials provided by NuronVSenior are for general informational and consulting purposes and are not a substitute for personalised professional advice. Where specific legal representation is required, users should consult a qualified lawyer licensed in the relevant jurisdiction.

To the extent permitted by law, NuronVSenior and its affiliates are not liable for indirect, incidental, special or consequential losses arising from access to or use of the website and services. Liability for direct losses is subject to applicable statutory limits.

We may use third-party service providers to deliver components of our services, including payment processing and hosting. Third-party terms and policies may apply when you use those services, and we are not responsible for their practices.

NuronVSenior may suspend or terminate access to services where necessary for legal compliance, security, or for breaches of these terms. Users may terminate services by cancelling their account in accordance with account settings and any applicable service-specific terms.

Upon termination, access to user accounts and stored materials may be restricted or deleted in accordance with our data retention policies and legal requirements. Outstanding fees remain payable where applicable.

Our privacy practices are set out in the NuronVSenior privacy policy available on NuronVSenior.digital/privacy. That policy explains what data we collect, how it is used, retention periods, and how to exercise privacy rights.

We may communicate with users by email, telephone, SMS, postal mail, or through notifications on NuronVSenior.digital. Users are responsible for providing correct contact details and for monitoring communications channels.

We may amend these Terms of Service periodically. Updated terms will be posted on NuronVSenior.digital with a revised effective date. Continued use after changes indicates acceptance of the updated terms.

These terms are governed by the laws of Malaysia. Any issues arising from these terms will be interpreted under Malaysian law, subject to applicable jurisdictional rules.

We encourage users to contact us to resolve disputes informally. For unresolved matters, disputes may be addressed through good faith negotiation, mediation, or the courts of Malaysia as necessary.