Terms & conditions

1. The website

quorabit.bond ("the website") is published by Quorabit Advisory Sdn Bhd ("Quorabit", "we", "us") for general information. Nothing on this website is advice. A piece of information on the website is not a recommendation. By visiting the website, you accept that we are not responsible to you for any loss that arises from acting on a page alone, without speaking with a Quorabit advisor.

2. Engagements

An advisory engagement begins only when a written engagement letter has been signed by you and counter-signed by a Quorabit partner. The engagement letter sets out: the specific service, the scope, the fee, the named lead advisor, and the duration. No engagement is created by visiting, calling, emailing, or attending a complimentary discovery call.

3. What we do, what we do not

Quorabit's regular services are described under What we help with. We do not hold a licence under Malaysia's Capital Markets and Services Act 2007 and do not offer investment advice. We do not lend, factor, or collect debt. We do not sell insurance or takaful products and earn no commission of any kind. Where a matter requires a licensed practitioner we do not employ, we refer to a small panel and disclose the relationship in writing first.

4. Fees

Fees are stated in the engagement letter, in Ringgit Malaysia, exclusive of disbursements (postage, agency fees, notarisation) and Service Tax where applicable. Discovery calls are complimentary. EPF, benefit, and savings audits that recover nothing carry no fee. Reference fee ranges are published on the relevant service page and updated when they change.

5. Your responsibilities

• To give us, to the best of your knowledge, accurate information about your circumstances and the agencies you have already dealt with.
• Not to ask us to do anything illegal, deceptive, or contrary to a Malaysian agency's own rules.
• To pay the fee stated in the engagement letter within fourteen days of the invoice date.

6. Limitation of liability

Our total liability to you for any matter arising out of or in connection with an engagement is limited to the lesser of (a) the fee you have paid us for that engagement, or (b) RM 200,000. We do not exclude or limit liability for fraud, gross negligence, or any liability that cannot lawfully be excluded under Malaysian law. We carry Professional Indemnity Insurance of RM 2 million.

7. Confidentiality

We treat as confidential any information you share. We disclose information only with your written consent or where required by Malaysian law. After an engagement closes, we retain only the records required by Malaysian tax law (seven years), then destroy.

8. Termination

You may end an engagement in writing at any time and pay only for work completed up to that date. We may end an engagement if continuing would breach the law or our professional standards; we will return your documents promptly.

9. Governing law

These terms are governed by the laws of Malaysia. The courts of Kuala Lumpur have non-exclusive jurisdiction.

Questions on any of the above: [email protected].