Last Updated: May 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Advance Fin Advisory Sdn. Bhd. ("Company," "we," "our," or "us"), a company incorporated in Malaysia under registration number 201801018875 (1280891-W), with its registered office at Wisma Kinta 11-7-5, Lorong Kinta, 10400 Georgetown, Penang, Malaysia.
By accessing our website at advancefa-av.it.com ("Website"), engaging our financial advisory services (the "Services"), or entering into any form of engagement with us, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must not use our Website or engage our Services. These Terms form the entire agreement between you and the Company regarding the subject matter herein and supersede any prior oral or written communications, representations, or agreements.
For the purposes of these Terms: "Company" means Advance Fin Advisory Sdn. Bhd. (201801018875 / 1280891-W), its successors and assigns. "Client" means any individual, entity, or organisation that engages the Company's Services, whether pursuant to a separate engagement letter, verbal agreement, or by accessing the Website. "Services" means the financial advisory services provided by the Company, including but not limited to investment advisory, wealth preservation and succession planning, corporate advisory, and any ancillary services described on the Website or in an engagement letter. "Website" means the website located at advancefa-av.it.com and all subpages, content, and functionality accessible through that domain. "Agreement" means these Terms of Service together with any applicable engagement letter, fee schedule, and privacy policy. "Effective Date" means the date on which the Client first accesses the Website or engages the Services.
The Services are provided for lawful purposes only. You agree to use the Services in compliance with all applicable laws and regulations of Malaysia, including but not limited to the Capital Markets and Services Act 2007, the Personal Data Protection Act 2010, the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, and all regulations, guidelines, and directives issued by the Securities Commission Malaysia and Bank Negara Malaysia.
Prohibited activities include: using the Services for any unlawful purpose or in connection with any illegal activity; providing false, misleading, or fraudulent information; attempting to circumvent any security measures or access controls; interfering with the proper functioning of the Website or Services; using the Services to distribute malware or harmful code; and engaging in any activity that may damage the Company's reputation. The Services are professional in nature and are provided on the basis of the information you supply; you are responsible for the accuracy and completeness of that information.
Where the Company provides you with access to a client portal or other account-based service, you are responsible for: providing accurate, current, and complete information during the account creation process; maintaining the confidentiality of your login credentials and not sharing them with any third party; promptly updating your account information if it changes; notifying the Company immediately of any unauthorised use of your account or any other breach of security; and accepting full responsibility for all activities that occur under your account.
The Company reserves the right to suspend or terminate your account at any time if we reasonably believe that your account has been compromised, that you have violated these Terms, or that continued access poses a security or compliance risk. You may not transfer or assign your account to any other person without the Company's prior written consent.
The Company provides independent financial advisory services, including: Investment Advisory — portfolio construction, asset allocation, and ongoing investment management services tailored to your financial objectives and risk tolerance; Wealth Preservation and Succession — estate planning, trust structuring, intergenerational wealth transfer, and related advisory services; and Corporate Advisory — capital raising, mergers and acquisitions, corporate restructuring, and strategic financial counsel for enterprises.
Risk Disclosures: Investment services involve inherent risk. Past performance is not indicative of future results. The value of investments may rise or fall, and you may lose some or all of the capital invested. The Company does not guarantee any specific investment returns or financial outcomes. All investment decisions are ultimately your responsibility, and you bear the investment risk associated with those decisions. Foreign exchange fluctuations may affect the value of investments denominated in foreign currencies.
All content on the Website, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, digital downloads, data compilations, software, and the design and arrangement thereof, is the exclusive property of the Company or its content suppliers and is protected by Malaysian and international intellectual property laws, including the Copyright Act 1987 and the Trademarks Act 2019. The Company grants you a limited, non-exclusive, non-transferable, revocable licence to access and view the Website content for personal, non-commercial purposes. You may not reproduce, duplicate, copy, sell, resell, distribute, modify, create derivative works from, or exploit any portion of the Website or its content without the Company's express prior written consent. Any unauthorised use terminates the licence granted herein.
Any information, documents, or materials you provide to the Company in connection with the Services ("Client Data") remains your property. By providing Client Data, you grant the Company a non-exclusive, worldwide, royalty-free licence to use, process, and store the Client Data solely for the purpose of delivering the Services and complying with legal and regulatory obligations. You warrant that the Client Data you provide is accurate, complete, and does not infringe the rights of any third party. The Company handles all Client Data in accordance with its Privacy Policy and the Personal Data Protection Act 2010.
The Services and Website are provided on an "as is" and "as available" basis without any warranty or representation of any kind, whether express or implied. To the fullest extent permitted by Malaysian law, the Company disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. The Company does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components. The information on the Website is for general informational purposes only and does not constitute financial, legal, tax, or other professional advice. You should consult independent professional advisers before making any financial, legal, or tax decisions.
To the fullest extent permitted by applicable law, the Company, its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of business opportunity, or loss of data, arising out of or in connection with these Terms, the Services, or the Website, whether in contract, tort (including negligence), strict liability, or otherwise, even if advised of the possibility of such damages.
The Company's aggregate liability for all claims arising out of or related to these Terms or the Services in any twelve-month period shall not exceed the total fees paid by you to the Company during the twelve calendar months immediately preceding the event giving rise to the claim. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under Malaysian law.
You are responsible for ensuring that all information you provide to the Company is truthful, accurate, and complete. The Company reserves the right to immediately terminate the provision of Services if it reasonably suspects fraudulent, dishonest, or criminal activity. In such circumstances, the Company will cooperate fully with relevant regulatory and law enforcement authorities, including the Securities Commission Malaysia, Bank Negara Malaysia, and the Royal Malaysia Police. The Company is obligated under the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA) to report suspicious transactions to the relevant authorities without notice to the Client. You agree to hold the Company harmless against any loss, damage, or liability arising from the Company's compliance with its AMLA and other regulatory reporting obligations.
The Company operates in compliance with the Capital Markets and Services Act 2007 (CMSA) and all applicable regulations, guidelines, and directives issued by the Securities Commission Malaysia. Where required, our licensed representatives hold the Capital Markets Services Representative's Licence (CMSRL). The Company adheres to the Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (AMLA), including Know-Your-Customer (KYC) and Customer Due Diligence (CDD) requirements. You agree to provide all information and documentation reasonably requested by the Company for KYC/CDD purposes. The Company may also comply with the Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS) reporting obligations where applicable. Failure to provide requested KYC/CDD documentation may result in the Company being unable to provide or continue providing Services.
You are solely responsible for determining and complying with your tax obligations in Malaysia and any other relevant jurisdictions. The Company may provide transaction summaries, annual statements, and other documentation to assist with tax reporting. Where required by law, the Company will report information to Lembaga Hasil Dalam Negeri Malaysia (LHDN) and other tax authorities. The Company does not provide tax advice, and you are strongly encouraged to consult an independent tax adviser regarding the tax implications of your investments and any transactions facilitated by the Company.
You may terminate the Services at any time by providing written notice to the Company at info@advancefa-av.it.com. The termination will be processed within 30 days of receipt of your written notice. Upon termination: all outstanding fees and expenses incurred up to the date of termination become immediately due and payable; the Company will provide instructions for the transfer of your assets to an account or provider of your choice; the Company will retain records as required by applicable law and regulation. Any provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and governing law) shall continue in full force and effect.
The Company may terminate the provision of Services immediately upon written notice in the event of: a material breach of these Terms or any engagement letter by you that remains uncured for 14 days after notice; your insolvency, bankruptcy, or similar financial distress; a regulatory requirement or direction from the Securities Commission Malaysia, Bank Negara Malaysia, or other competent authority; or circumstances where continued provision of Services would, in the Company's reasonable opinion, expose it to legal, regulatory, or reputational risk. The Company may also terminate with 30 days' written notice for any reason or no reason at all, subject to completing all open transactions and settling outstanding matters.
These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions. The parties submit to the exclusive jurisdiction of the courts of Malaysia. Before initiating any formal legal proceedings, the parties agree to attempt to resolve any dispute arising out of or relating to these Terms through good-faith negotiation. If negotiation fails, the dispute shall be referred to mediation at the Asian International Arbitration Centre (AIAC) in Kuala Lumpur, conducted in the English language. If mediation is unsuccessful, either party may pursue its remedies through the Malaysian courts. The parties may also agree in writing to submit the dispute to binding arbitration under the AIAC Arbitration Rules.
The Company reserves the right to modify these Terms at any time. Material changes will be communicated by posting the revised Terms on the Website and, for active clients, by email to the address associated with your account at least 30 days before the changes take effect. Non-material changes (such as clarifications, corrections of typographical errors, or formatting improvements) may be made without prior notice. Your continued use of the Website or Services after the effective date of any change constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must discontinue use of the Website and Services and notify the Company of your intention to terminate your engagement.
Entire Agreement: These Terms, together with any applicable engagement letter, fee schedule, and the Privacy Policy, constitute the entire agreement between you and the Company regarding the subject matter herein and supersede all prior agreements, understandings, and representations.
Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be severed, and the remaining provisions shall continue in full force and effect.
No Waiver: The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. No waiver shall be effective unless made in writing and signed by an authorised representative of the Company.
Assignment: You may not assign or transfer your rights or obligations under these Terms without the Company's prior written consent. The Company may assign its rights and obligations to any successor in interest, whether by merger, acquisition, or sale of all or substantially all of its assets.
Force Majeure: The Company shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, epidemics, government orders, internet or telecommunications failures, and power outages.
Third-Party Rights: Except as expressly provided, a person who is not a party to these Terms has no right under the Contracts Act 1950 to enforce any term of these Terms.
Electronic Communications: You agree that all communications between you and the Company may be conducted electronically, and such electronic communications shall satisfy any legal requirement that such communications be in writing, in accordance with the Electronic Commerce Act 2006.