Clear terms for the website, consultation and chosen services.

By using the SunLiTe website, you agree to use it lawfully and responsibly. Website content is provided for general information, education and enquiry preparation. It is not a product offer, approval or promise of a particular outcome.

Do not interfere with the website, attempt unauthorised access, submit unlawful material or use SunLiTe content in a misleading way.

SunLiTe offers personal, business, property, refinancing, monthly-commitment and DRP guidance, free credit-report review, general financing preparation and advisory support.

SunLiTe is not a financing provider. It does not guarantee approval, eligibility, rates, savings, refinancing, commitment reduction or any other outcome. External providers make their own assessments and decisions.

The free first consultation can include an initial advisory conversation, general preliminary advice, a review of your concerns, an explanation of possible directions and guidance on information that may be needed next.

SunLiTe also offers a standalone free credit-report review. No fee is charged for either free service, and declining further work carries no penalty.

A service fee applies only after you choose a paid SunLiTe service and accept a written quotation or clear written service scope explaining the work, charges, payment timing and relevant terms. Paid work does not begin before that acceptance.

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. Fees may depend on the service type and complexity.

SunLiTe does not guarantee approval or another outcome. Final decisions and terms remain with the relevant external provider.

SunLiTe's WhatsApp AI-Consultant can identify an enquiry, collect necessary basic, non-sensitive information and explain the next step or route the enquiry. A human advisor then continues the free first consultation, explanation and service review.

The AI-Consultant does not make financing approvals, external provider decisions or a final personalised determination, and it does not replace human review.

The online screening is an optional preliminary tool based on the figures entered. Its potential financing range, estimated DSR and DRP comparison are general planning indications only.

Screening results are not an approval, offer, entitlement, provider decision or guarantee. The Screening Disclaimer explains the assumptions and limitations.

Provide information that is accurate to the best of your knowledge, review explanations and written terms carefully, ask when something is unclear, and make your own decision about whether to continue.

Never share OTP numbers, online-account passwords, full account-login credentials or remote access to your device. Follow the Safe Document Sharing guidance before sending documents.

The website may link to WhatsApp, maps and other external services. Those services operate under their own terms and privacy practices.

Where an accepted SunLiTe service involves an external provider, that provider remains responsible for its own assessment, terms, service and decision. SunLiTe cannot promise or control the preferred outcome.

SunLiTe may update website information, features and these terms when services or operating needs change. Website access may occasionally be interrupted for maintenance, technical issues or circumstances outside SunLiTe's control.

The current website terms apply to website use. A later accepted quotation or service scope may contain additional terms for the selected service.

The Refund and Service Cancellation Policy explains how cancellation and refund enquiries are reviewed. Nothing in these terms is intended to remove a right that cannot lawfully be excluded under applicable Malaysian law.

Questions may be sent to official@sunliteadvisory.com or raised through official WhatsApp at +60 17-293 6439.