General Website and Advice Disclaimer

Attention Notice:

Content is for informational purposes only.

We do not guarantee outcomes or results; results may vary.

This disclaimer explains that the advice, analyses, and articles on nepharioz.pro are general and intended for informational purposes in Malaysia. No content here should be considered specific financial or legal advice.

General Information Notice

All information provided on nepharioz.pro is of a general nature. While accuracy and reliability are priorities, users should seek independent verification before making financial decisions.

Limitation of Liability

nepharioz.pro is not responsible for actions taken based on content.

  • We are not liable for losses due to reliance on site content.
  • Correctness and completeness are not guaranteed.
  • No responsibility is assumed for errors or omissions.
  • Past performance is not indicative of future outcomes.

Accuracy and Reliability Disclaimer

We strive for accurate, current information, but content may contain unintentional mistakes, delays, or incomplete data. Site information is updated as feasible but is not continuously monitored for updates.

Independent verification is strongly recommended.

Not Personal or Professional Advice

The site does not provide personal, financial, legal, health, or investment services. Seek independent, qualified counsel for individual circumstances.

External Links and Resources

Links to external sites are provided for convenience. We do not endorse or guarantee external content or privacy controls.

Results Disclaimer and Variation

Results may vary depending on your financial situation and actions. Past performance doesn't guarantee future results.

How Results Can Vary

Individual outcomes depend on circumstances, decisions, and actions taken. No promises are made.

Financial Products and Fees

Site content covers topics such as APR, fees, and repayment terms.

  • All APR rates and fees shared are for informational purposes and may differ by provider.
  • No financial products or services are directly sold or promoted here.
  • We do not provide regulated investment, tax, or financial services.

Legal Jurisdiction and Law

All content and claims are subject to Malaysian law.

Disputes or concerns arising must be addressed under the relevant Malaysian statutes and processes.

This website is governed by the laws of Malaysia.

Users must comply with local Malaysian financial standards and guidelines.

Indemnification

By using this site, you agree to hold us harmless against any loss or claim related to your use.

Severability

If a part of this disclaimer is found invalid, remaining portions remain effective.

Policy Modifications

We may update these terms and will announce significant changes on this page.

Contact Details

Need clarification? Reach out using the contact details below.

Disclaimer Email: content@nepharioz.pro

Disclaimer Phone: +60 7-372 4863

Disclaimer Address: Infinity8 Reserve JBCC, Level 18 & 19, Menara JLand Johor Bahru City Centre, Jalan Tun Abdul Razak, Johor Bahru 80000 Malaysia

Effective Date: January 5, 2026

Last Updated: January 5, 2026