Know what happens before you begin.

Yes. The free first consultation can include an initial conversation, general preliminary guidance, a review of your concern, possible directions and what to prepare next. No paid work begins until you receive and accept a written quotation or service scope.

No. Your first consultation is free, and the credit-report review is available as a standalone free service. No fee is charged before you receive and accept a written quotation or service scope for paid work.

Yes. It is a standalone free service. An advisor can explain key signals, what may deserve attention and how to share information safely. The review does not guarantee approval or any external-provider outcome.

A fee applies only after you choose a paid SunLiTe service and accept its written quotation or service scope. It explains the work, charges, payment timing and terms before paid work begins.

Yes. If you are considering a paid service, SunLiTe provides a written quotation or clear written scope explaining the work, charges, payment timing and applicable terms. Paid work begins only after you accept it.

No. You may decide not to proceed after the free first consultation without a penalty.

No payment is collected for the free first consultation. For an accepted paid service, cancellation or refund requests are reviewed against the quotation, work completed, expenses incurred and service status. Read the Refund & Service Cancellation Policy for the complete general terms.

SunLiTe provides guidance for personal financing, business financing, property financing and refinancing, monthly commitments and DRP. A free credit-report review is also available as a standalone service.

The WhatsApp AI-Consultant helps identify and route your enquiry using basic non-sensitive information. A human advisor then continues the free first consultation, explanation and service review. WhatsApp enquiries receive a response within 24 hours.

Both have different roles. The AI-Consultant helps identify and route your enquiry. A human SunLiTe advisor continues the free first consultation, explanation and service review. The AI-Consultant does not make approval or provider decisions.

Depending on the accepted scope, paid work may include document review and preparation, option comparison, application guidance or coordination, follow-up and final-term explanation. SunLiTe does not guarantee an outcome; final decisions remain with the relevant external provider.

Yes. SunLiTe can help organise the available information, review what may deserve attention and explain possible directions for a closer advisor discussion. This support does not promise approval, a reduction or another outcome.

Begin with your objective, usual income or business position and current monthly commitments. SunLiTe will explain whether any additional information or documents are relevant before you share them.

No. SunLiTe is an advisory and consultation service. We do not issue financial products or guarantee approval, rates, savings, reductions or other outcomes. Final decisions remain with the relevant external provider.

Timing depends on the service, information available and complexity of the situation. SunLiTe explains the expected scope and timing before any paid service is accepted.

Yes. Online consultation is available, or you may arrange an office consultation at 18-08, Menara Centara, Jalan Tuanku Abdul Rahman, Chow Kit, 50100 Kuala Lumpur. Office visits are by confirmed appointment only.

SunLiTe operates Monday–Sunday, 9:00 AM–10:00 PM, Malaysia time. WhatsApp enquiries receive a response within 24 hours.

The WhatsApp AI-Consultant accepts enquiries in multiple languages. Human follow-up is arranged according to advisor language availability.

The website screening stays on the current page unless you choose to continue. For an enquiry or document review, SunLiTe explains what is needed and provides safe-sharing guidance. Never send an OTP, password or account login credential.

Use https://www.sunliteadvisory.com, official@sunliteadvisory.com or +60 17-293 6439. If a message or payment request seems unusual, start a new conversation through one of these official channels.

DRP means SunLiTe’s Direction & Recovery Plan illustration for reviewing monthly commitments. It is a preliminary planning comparison, not an official programme, approval or guaranteed reduction.

No. It is an optional preliminary planning tool. It does not confirm approval, suitability, final terms, savings or any external provider decision.

It uses the basic monthly figures entered to show an estimated DSR, a potential financing range and a separate DRP monthly-commitment illustration.

No. The result action prepares only a general request for human-advisor follow-up. The figures entered on the website are not included in the WhatsApp message.