Novalithia - Financial safety net tools and routines

Acceptance of terms

Review these terms before using Novalithia or any related services. By accessing or using our website, you agree to these terms and conditions in full. If you do not agree, do not use the site. Your continued use after any changes signals your acceptance of the updated terms. Take time to read each section carefully and stay informed about your responsibilities and rights while using Novalithia.

Definitions and scope

Wondering what terms mean in this document? We define key words so you know exactly what’s covered by these conditions. Read each definition before proceeding.

"Website" means the novalithia.sbs site and all content, tools, features, or services provided by Novalithia for users in Malaysia. It includes mobile and desktop versions, and any information presented here.

"User" refers to any individual accessing or using the website or its features, regardless of registration or account status. It includes visitors, registered members, and anyone interacting with Novalithia’s resources.

"Services" include all information, tools, calculators, guides, reviews, and communications offered through the website. This covers both free and paid features, as well as direct consultations or resources shared by Novalithia.

"Content" covers all text, images, graphics, guides, checklists, downloads, and other materials published or available on the website. This definition includes user-generated content, feedback, and submitted materials.

Permitted service use

Use Novalithia and its services only as intended. Access is provided for your personal, non-commercial use to support better financial routines and decisions. Unauthorized use or access may result in suspension or legal action.

Eligibility requirements

You must be at least 18 years old and legally capable to agree to these terms. If you use Novalithia on behalf of an organization, you confirm you have authority to accept these terms for that entity. Access may be limited based on local regulations or changes to Malaysian law.

If you do not meet these requirements, you may not use this website or its services.

Your responsibilities

When you use Novalithia, you take on certain responsibilities to keep the website safe, legal, and welcoming for all users.

You are responsible for any activity on your account, including keeping login details confidential and promptly reporting unauthorized use. Protect your information and devices when accessing our services.

You must follow all applicable Malaysian laws and website rules while using Novalithia. Ignorance of the law is not an excuse for misuse or prohibited actions on this site.

If you submit feedback or content, you confirm you have the right to do so and that your contributions do not infringe on others’ rights. Novalithia may use submitted feedback to improve services, with or without attribution.

If you encounter violations of these terms, report them to our team. We may remove content or suspend accounts to protect the community and uphold these terms.

Prohibited uses

Here’s what you cannot do on Novalithia. These rules protect everyone’s experience and ensure the website remains a safe, supportive space for all users.

Intellectual property

All content and materials on Novalithia are protected by copyright, trademark, or other intellectual property laws. You may not copy, reproduce, or distribute materials without written permission, except as allowed for personal, non-commercial use.

User submissions and feedback

When you submit content, feedback, or suggestions through the website, you grant Novalithia a license to use, display, and adapt this material for site improvement and communication purposes. Your rights to your content remain, but Novalithia may use contributions to improve services.

Your content rights

You retain ownership of your submitted content, but grant Novalithia a non-exclusive right to use it as described. Please avoid sharing confidential or sensitive information.

Privacy and data protection

Your privacy matters. For details about how we collect, use, and protect your personal data, please see our privacy policy. We follow Malaysian privacy laws and take all reasonable measures to keep your information secure.

View privacy policy

Disclaimer of liability

Novalithia provides resources, guides, and tools designed to support financial routines, not to replace professional advice. Use our materials as a starting point for your own planning, and consult licensed experts for decisions with significant impact.

Important notice

Always verify information before making financial or legal decisions. Your actions based on this website are your own responsibility. Use professional advice where appropriate.

Limitation of liability

Novalithia is not liable for losses, damages, or claims resulting from your use of this website or reliance on its content. Your use is at your own risk.

Indemnification

By using Novalithia, you agree to defend and hold harmless Novalithia, its team, and affiliates from any claims, damages, or expenses arising from your use of the website, services, or violation of these terms. This covers legal fees and related costs.

Dispute resolution

Not sure what happens if a disagreement arises? This section explains how disputes related to these terms are handled, including negotiation, mediation, or arbitration in Malaysia.

Arbitration process

If a dispute arises between you and Novalithia, both parties will attempt to resolve it through good faith negotiation. If not resolved, the matter may be submitted to binding arbitration in Malaysia, under applicable rules and procedures. Arbitration is an alternative to litigation and may help settle matters more efficiently.

Participation in arbitration does not restrict your statutory rights under Malaysian law. You may still seek assistance from authorities where required by law.

Online dispute resolution

For users in the European Union, an Online Dispute Resolution (ODR) platform is available for resolving disputes out of court. You can access the ODR platform via the official EU website. This option supplements, but does not replace, local dispute procedures in Malaysia.

EU ODR Platform

Severability

If any part of these terms is found invalid or unenforceable by a competent authority, the remaining sections will remain effective and binding. Each section stands on its own, regardless of others.

Entire agreement

These terms represent the entire agreement between you and Novalithia regarding website use. They override any previous understandings, whether written or spoken. Any new features or services are subject to these terms unless stated otherwise.

Governing law

These terms are governed by the laws and regulations of Malaysia. Any disputes, claims, or legal proceedings relating to your use of this site must be resolved in Malaysian courts. By using Novalithia, you agree to comply with all applicable Malaysian laws and regulations relevant to your activities here.

Termination of access

Novalithia reserves the right to suspend or terminate your access at any time if you violate these terms or act in a way that harms the site or its users. This decision may be made with or without notice, depending on the situation.

Modifications

Novalithia may update or change these terms at any time. Changes become effective immediately upon posting on this page. Check back regularly to stay informed about your responsibilities and rights under the latest version.

Contact information

Have questions about these terms, or need clarification on your rights or responsibilities? Contact our team and we’ll respond promptly with clear information. Your understanding and comfort matter to us.

Email: content@novalithia.sbs

Phone: +6014-119 1714

Address: Regus - Kuala Lumpur Visio Tower, Kuala Lumpur 50490 Malaysia

Terms and conditions for Novalithia