Terms of Use

Last updated: July 2026

1. Acceptance of Terms

By accessing or using karen-advisory.com (the "website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

2. Informational Purposes Only

The content on this website, including product and service descriptions, calculators, and educational articles, is provided for general information purposes only. It does not constitute financial, legal, or insurance advice, and nothing on this website should be construed as an offer or guarantee of coverage.

3. No Contract of Insurance

An actual insurance policy is formed only through the licensed insurance company's own application, underwriting, and policy documentation process. This website does not itself issue, bind, or guarantee any insurance coverage.

4. Licensed Representative

Dr. Karen Gan is a licensed financial consultant representing a licensed life insurance company in Malaysia (Reg. No. 198301005308). This website is for informational purposes only and does not constitute financial advice.

5. Accuracy of Information

While we take reasonable care to keep the content on this website accurate and up to date, product terms, premiums, and benefits are subject to change by the underwriting insurance company. Please always confirm current product terms directly with the relevant insurance company before making any decision.

6. Interactive Tools Disclaimer

Calculators and estimators on this website, such as the Quick Protection Gap Estimator on the Services page, provide indicative estimates only. They are intended as a starting point for discussion and are not a substitute for a full, personalised protection review.

7. Intellectual Property

Unless otherwise credited, all content, design, and branding on this website belong to Karen Advisory. You may not reproduce, distribute, or otherwise use any part of this website without prior permission.

8. Third-Party Links

This website contains links to third-party services such as WhatsApp, TikTok, and Google Maps, provided for your convenience. Karen Advisory is not responsible for the content, accuracy, or privacy practices of any external websites or services.

9. Limitation of Liability

Karen Advisory is not liable for any loss or damage arising from your reliance on the general information provided on this website. You should always seek a personalised consultation before making any financial or insurance decision.

10. Governing Law

These Terms of Use are governed by, and construed in accordance with, the laws of Malaysia.

11. Changes to These Terms

We may update these Terms of Use from time to time. Any changes will be posted on this page, with the "Last updated" date revised accordingly. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

12. Contact Us

If you have any questions about these Terms of Use, please reach out to us:

• WhatsApp: +60 11-5451 6364
• Email: karen.advisory.life@gmail.com
• Office: The Mulia Residences, Jalan MR2/6, Persiaran Inovasi Cyber 10, 63000 Cyberjaya, Selangor, Malaysia