Terms & Conditions

Last Updated: 10 April 2026  |  Effective Date: 10 April 2026

1. Definitions

In these Terms and Conditions, the following terms have the meanings assigned to them:

• "Agreement" — these Terms and Conditions together with any written engagement scope document.
• "Service" — the consulting services offered by Crestholm as described on this website and in engagement scope documents.
• "User" — any individual or organization accessing this website or engaging our Services.
• "We / Us / Our" — Crestholm, operating from 42 Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur, Malaysia.
• "Content" — all text, reports, frameworks, templates, and materials produced or published by Crestholm.
• "Engagement" — a specific consulting project defined by a written scope document agreed between Crestholm and the client.

2. Acceptance of Terms

By accessing this website or engaging our consulting Services, you confirm that you have read and agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website or engage our Services.

These Terms apply to all Users aged 18 or above. By using this website, you confirm that you have the legal capacity to enter into a binding agreement.

3. Services Description

Crestholm provides business consulting services focused on financial health assessment, cash flow management, and budget framework design. Services are delivered to businesses operating in Malaysia and are structured as fixed-scope, time-bound engagements.

The specific scope, deliverables, timeline, and fee for each engagement are documented in a written scope agreement signed by both parties before work commences. Services described on this website are illustrative and subject to scoping confirmation.

4. Engagement Terms

4.1 Scope Agreement

No consulting work commences until a written scope document has been agreed and signed by both Crestholm and the client. The scope document governs the specific deliverables, timeline, and fee for that engagement and takes precedence over these general Terms in the event of any conflict.

4.2 Client Responsibilities

Clients are responsible for providing accurate and complete financial information required for the engagement. Delays caused by incomplete or unavailable client data may affect delivery timelines, but the engagement fee remains payable in accordance with the agreed schedule.

4.3 Confidentiality

Crestholm treats all client financial data as strictly confidential. We do not share, disclose, or reference client data outside the engagement team. Clients agree to treat Crestholm's proprietary methodologies, templates, and frameworks as confidential and not to distribute them to third parties.

5. User Responsibilities

When using this website, you agree not to:

• Use the site for any unlawful purpose or in violation of applicable Malaysian law
• Attempt to gain unauthorized access to any part of the site or its underlying systems
• Transmit any harmful, offensive, or misleading content through our contact forms
• Reproduce or distribute our website content without written permission
• Use automated tools to scrape or collect data from this website

6. Intellectual Property

All content on this website — including text, structure, design elements, frameworks, and reports produced by Crestholm — is the intellectual property of Crestholm unless otherwise stated.

Upon full payment of the engagement fee, clients receive a non-exclusive, non-transferable license to use deliverables produced during their engagement for internal business purposes. This license does not permit redistribution, resale, or publication of Crestholm's work product.

7. Payment Terms

Engagement fees are denominated in Malaysian Ringgit (RM) and stated in the written scope document. Standard payment terms are 50% on commencement and 50% on delivery, unless otherwise agreed in writing. Invoices are payable within 14 days of issue. Late payments may incur interest at 1.5% per month on the outstanding balance.

Fees are non-refundable once work has commenced unless Crestholm fails to deliver the agreed scope without reasonable cause.

8. Disclaimers

This website and its content are provided "as is." Crestholm makes no representations as to the completeness, accuracy, or suitability of the information on this site for any specific purpose.

Our consulting Services are advisory in nature. Crestholm does not act as an auditor, tax advisor, or legal advisor. Recommendations provided in engagement reports represent considered professional opinion based on the information made available to us — they should not replace advice from qualified auditors, lawyers, or other specialists where required.

We do not represent or warrant that following our recommendations will produce specific financial outcomes for your business.

9. Limitation of Liability

To the fullest extent permitted by Malaysian law, Crestholm's total liability in connection with any engagement shall not exceed the fees paid by the client for that engagement. We shall not be liable for any indirect, consequential, or special losses arising from the use of our Services or this website.

Crestholm shall not be liable for losses arising from client reliance on information provided by the client that is subsequently found to be inaccurate or incomplete.

10. Indemnification

You agree to indemnify and hold harmless Crestholm, its consultants, and affiliates from any claims, damages, or expenses arising from your misuse of our website, your breach of these Terms, or your violation of any applicable law.

11. Termination

Either party may terminate an engagement by written notice if the other party materially breaches its obligations and fails to remedy the breach within 14 days of written notice. In the event of termination, the client shall pay for all work completed to the termination date on a pro-rata basis.

Crestholm reserves the right to terminate access to this website for any user found to be in breach of these Terms.

12. Dispute Resolution

These Terms and any disputes arising from them are governed by the laws of Malaysia. In the event of a dispute, the parties agree to first attempt resolution through good-faith discussion. If a resolution cannot be reached within 30 days, the dispute shall be referred to mediation before proceeding to litigation in the courts of Kuala Lumpur, Malaysia.

13. General Provisions

• Entire Agreement — these Terms, together with any applicable engagement scope document, constitute the entire agreement between the parties.
• Severability — if any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force.
• Waiver — failure to enforce any provision does not constitute a waiver of that provision.
• Assignment — you may not assign your rights or obligations under these Terms without our prior written consent.

14. Changes to Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of the website following any changes constitutes acceptance of the revised Terms.

15. Contact

For questions about these Terms and Conditions, please contact:

• Email: legal@crestholmad
• Address: 42 Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur, Malaysia
• Phone: +60 3-2093 6418