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Please Note

No guarantees of specific results are given.

Information is general and not personal advice.

Learn more about how we share information: our content is intended to inform, inspire, and encourage thoughtful financial habits, but every situation is unique and results may vary.

General Information Notice

All material on lumaranianova.sbs is for informational purposes. It does not substitute for legal, financial, or professional advice. Readers are responsible for their own decisions.

Limitation of Liability

We do our best to provide accurate, up-to-date information:

Lumaranianova.com is not responsible for outcomes of decisions based on site content.
We can’t guarantee there will be no errors or omissions in content.
No liability for external links or referenced resources.
Use of site is at your own risk within Malaysian law.

Content Accuracy Statement

We strive for accuracy and clarity in our content. Still, all information may change or be updated without notice and is not guaranteed.

Always verify details independently.

No Professional Advice Provided

Our stories, tips, and examples offer general guidance only. They are not tailored or personal advice.

External Links Notice

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About Varying Results

Outcomes differ by individual, background, and circumstances. Results may vary for every person.

Expect Individual Variations

Your situation and results will differ from examples or suggestions shared here.

Financial-Related Disclaimers

All financial advice is for information only and not a promise of outcome:

APRs, fees, and terms are subject to change and may differ for each person or product.
Always confirm financial details with providers before any agreement.
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Laws may differ outside Malaysia—review your local regulations when acting on information provided here.

Content compliance refers to Malaysian regulations unless otherwise noted.

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Severability

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Modifications

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Contact

Questions or concerns about our policies? Get in touch for clarification or more information.

Email Address: content@lumaranianova.sbs

Phone: +6019-779 6789

Physical Address: Regus - Penang, Gurney Paragon, George Town, Penang 10250 Malaysia

Effective Date: December 1, 2025

Last Updated: December 1, 2025