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Welcome to Millennium Strategy Advisors services. By using our website and services, you agree to comply with the following terms and conditions. **Scope of Application** These terms apply to your use of our website, mobile applications, and all related services. We reserve the right to modify these terms at any time, and the modified terms will take effect immediately upon publication on the website. **User Eligibility** - You must be at least 18 years old to use our services - You must have the legal capacity to enter into legally binding contracts - You must provide accurate and complete registration information

Millennium Strategy Advisors provides the following services: **Investment Advisory Services** - Stock investment advice and analysis - Portfolio management recommendations - Market research and insight reports - Risk assessment and management strategies **Educational Resources** - Investment courses and training materials - Market analysis tools - Financial news and information **Consulting Services** - One-on-one financial consultation - Retirement planning - Asset allocation advice Our services are for reference only and do not constitute specific investment advice. All investment decisions should be made independently by you based on your own circumstances.

**Investment Risk Warning** Investment involves risk, including the possible loss of all principal. Past performance does not guarantee future results. **Market Risk** - Stock prices may fluctuate significantly due to market conditions - Economic, political, and social events may affect investment value - Currency fluctuations may affect international investments **Specific Risks** - Individual stocks may decline due to company-specific factors - Industry risks may affect the performance of specific sectors - Liquidity risk may affect your ability to buy or sell investments **Information Risk** - Information we provide may be incomplete or outdated - Market conditions may change after information is published - You should conduct your own research and due diligence

When using our services, you agree not to engage in the following activities: **Illegal Activities** - Engaging in any activity that violates applicable laws and regulations - Money laundering or other financial crimes - Insider trading or market manipulation **Service Abuse** - Unauthorized access to our systems or data - Interfering with or disrupting our services - Using automated tools to scrape or copy content **Infringement** - Infringing our or third-party intellectual property rights - Impersonating others or misrepresenting your identity - Publishing false, misleading, or defamatory content **Commercial Abuse** - Unauthorized resale or distribution of our services - Using our content for competitive commercial activities - Violating any applicable export control regulations

**Service Fees** - Our service fees will be clearly stated before you subscribe or purchase - All prices are denominated in Malaysian Ringgit (MYR) or US Dollars (USD) - Prices may be adjusted based on market conditions and service content **Payment Methods** - We accept major credit and debit cards - Bank transfers and online payment platforms - Specific payment methods may vary by region **Refund Policy** - Consultation services are fully refundable up to 24 hours before the service begins - Course purchases can be refunded within 7 days if learning has not started - Subscription services can be cancelled at any time, but fees paid are non-refundable **Invoices and Receipts** - Electronic invoices will be provided for all payments - Invoices will be sent to your registered email address

**Service Changes** We reserve the following rights: - Modify, suspend, or terminate any service at any time - Update service features and content - Adjust service prices (with advance notice) **Account Termination** We may terminate your account in the following circumstances: - Violation of these terms of use - Engaging in fraudulent or illegal activities - Prolonged inactivity (over 12 months) - Non-payment of fees due **Consequences of Termination** After account termination: - You will lose access to services - We may delete your account data - You remain obligated for any obligations incurred before termination

**Disclaimer** To the maximum extent permitted by law: - Our services are provided "as is" without any express or implied warranties - We do not guarantee that services will be uninterrupted or error-free - We are not responsible for any investment losses **Liability Cap** - Our total liability shall not exceed the fees you paid us in the past 12 months - We are not liable for any indirect, incidental, special, or consequential damages - These limitations apply to all claims regardless of their legal basis **Exceptions** Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so the above limitations may not apply to you.

**Governing Law** These terms are governed by the laws of Malaysia, without regard to conflict of law principles. **Dispute Resolution** - We encourage you to first resolve any disputes by contacting our customer service - If amicable resolution is not possible, disputes will be submitted to the Malaysian Arbitration Centre for arbitration - Arbitration will be conducted in Kuala Lumpur, in English or Malay **Class Action Waiver** You agree to waive the right to participate in any class action against us. All disputes must be resolved on an individual basis. **Statute of Limitations** Any claim against us must be filed within one year of the claim arising, or it will be permanently barred.