Legal

Terms & Conditions

Last Updated: 11 April 2025  |  Effective Date: 11 April 2025  |  Naluri Wira, Bangsar, Kuala Lumpur

Please read these Terms and Conditions carefully before engaging Naluri Wira's services or using this website. By submitting a contact form, entering into an engagement letter, or continuing to use this website, you agree to be bound by these terms.

1. Definitions

• "Firm" / "we" / "us": Naluri Wira, a legal practice registered and operating in Malaysia
• "Client" / "you": Any individual who engages the firm's services or uses this website
• "Services": The legal services described on this website — Pension Statement Health Check, Survivor and Dependant Benefit Claims, and Pension Trust and Hibah Structuring
• "Engagement": A formal agreement, confirmed by a written engagement letter, to provide legal services
• "Website": The firm's website accessible at https://naluriwid
• "Agreement": These Terms and Conditions, together with any written engagement letter

2. Acceptance of Terms

By using this website or engaging our services, you confirm that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and accept these Terms and Conditions in full. If you do not agree to these terms, please do not use this website or engage our services.

3. Description of Services

Naluri Wira provides the following legal services in Malaysia:

• Pension Statement Health Check (RM 320): A fixed-fee review of EPF and pension statements, with plain-language explanation and written notes
• Survivor and Dependant Benefit Claims (RM 640): Assistance with claiming EPF death benefits and KWAP survivor pensions on behalf of bereaved families
• Pension Trust and Hibah Structuring (RM 890): Preparation of wills, hibah instruments, and family trust arrangements

All services are subject to a written engagement letter agreed before work commences. The firm reserves the right to decline an engagement where the matter falls outside its area of practice.

4. User Responsibilities

As a client or website user, you agree to:

• Provide accurate and complete information when requested
• Not misrepresent your identity or circumstances
• Use this website only for lawful purposes
• Not attempt to access areas of the website not intended for public access
• Not transmit malicious code or interfere with website operation
• Inform us promptly if any information you have provided changes

5. Engagement and Fees

Engagement letter

A binding engagement commences only upon the signing of a written engagement letter by both parties. Website enquiries and initial consultations do not constitute an engagement. The engagement letter will confirm the scope, the fixed fee, and the expected process.

Fees and payment

• All fees are stated in Malaysian Ringgit (RM) and are inclusive of GST/SST where applicable
• Fees are due as stated in the engagement letter — typically in advance or in agreed stages
• Payment may be made by bank transfer, online payment, or such other means as agreed in writing
• Fees are fixed for the scope described in the engagement letter; material changes in scope will be discussed and agreed before additional work proceeds

Disbursements

Any out-of-pocket costs incurred on your behalf — such as government filing fees — will be communicated to you in advance and invoiced separately at cost.

6. Intellectual Property

All content on this website — including text, layout, and design — is the property of Naluri Wira. You may not reproduce, distribute, or republish any part of it without written consent. Legal documents prepared for you as part of an engagement are your property once the engagement is concluded and fees are settled in full.

7. Disclaimers

• Legal advice is provided based on the information and documents supplied by the client. The firm cannot be responsible for advice given on the basis of incomplete or inaccurate information.
• Legal outcomes cannot be predicted with certainty. Nothing in our communications should be read as a commitment to a particular result.
• This website is for general information only. Content on this site does not constitute legal advice and should not be relied upon as such.
• EPF and pension legislation is subject to change. We advise on the law as it stands at the time of engagement.

8. Limitation of Liability

To the extent permitted by Malaysian law, the firm's liability for any claim arising from an engagement shall not exceed the fees paid by the client for that engagement. The firm shall not be liable for indirect, consequential, or incidental losses. This limitation does not apply to liability arising from fraud, negligence causing personal harm, or any liability which cannot by law be excluded.

9. Termination

Either party may terminate an engagement by written notice. The client shall be responsible for fees in respect of work completed prior to termination. The firm may terminate an engagement if the client provides materially false information, fails to provide documents necessary to proceed, or fails to pay agreed fees. On termination, the firm will return your documents and provide a copy of any work product for which fees have been received.

10. Dispute Resolution

These Terms and Conditions are governed by the laws of Malaysia. Any disputes arising from an engagement shall first be subject to informal resolution between the parties. Failing informal resolution, disputes shall be referred to the Kuala Lumpur courts, which shall have non-exclusive jurisdiction.

Clients also have the right to raise complaints about professional conduct with the Bar Council Malaysia, and about data handling with the Department of Personal Data Protection (JPDP).

11. General Provisions

• Entire agreement: The engagement letter and these Terms together constitute the entire agreement between the parties for the relevant engagement
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions continue in full force
• Waiver: Failure to enforce any provision does not constitute a waiver of the right to enforce it in future
• Assignment: You may not assign your rights or obligations under an engagement without our written consent

12. Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected by updating the effective date above. Continued use of our services following changes constitutes acceptance. We encourage you to review this page periodically.

13. Contact

For questions about these Terms and Conditions:

• Email: legal@naluriwid
• Post: Naluri Wira, Wisma Cahaya, Jalan Maarof, 59100 Bangsar, Kuala Lumpur
• Telephone: +60 12-487 6293