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SunLiTe provides guidance for personal, business and property financing conversations, refinancing, monthly commitments, Direction & Recovery Planning and credit-report review.

Individuals, salaried customers, self-employed customers and business owners may ask about personal, business, property, refinancing or commitment-related matters.

Yes. An adviser can help organise the broad information and preparation questions that may deserve attention. This does not change or predict an external provider decision.

Yes. SunLiTe can help frame the objective, broad income profile, commitments and relevant property information for a focused discussion.

Yes. There is no upfront charge to begin. A fee applies only if you later choose a paid service after reviewing its written scope and quotation.

Lumi can route your official WhatsApp enquiry at any time. A SunLiTe adviser continues during adviser hours, understands your objective and explains what may be useful to prepare.

A short description of your objective is enough to begin. Wait for an adviser to explain which further information is relevant and why.

Online consultation is available throughout Malaysia. In-person meetings in Kuala Lumpur are available by confirmed appointment, with the venue provided privately after arrangements are confirmed. No walk-ins.

You may begin in your preferred language. Adviser language availability will be confirmed during follow-up.

Lumi can assist with basic routing on official WhatsApp 24 hours. Advisers continue enquiries Monday to Sunday, 9:00 AM–10:00 PM (Malaysia time).

No. The first consultation and standalone credit-report review are free. There is no upfront charge to begin an enquiry.

Only when you choose a paid SunLiTe service after reviewing and accepting its written scope and quotation.

Yes. The proposed work, exclusions, SunLiTe fee, timing and relevant terms are provided before you decide.

You may stop after the free first consultation without a service fee. If paid work has already been accepted, the accepted scope and cancellation terms apply.

Yes. Refund considerations depend on the accepted service, work completed and agreed terms. The Fees & Refunds page explains the review process.

Yes. It is a standalone free review and does not require you to accept a paid service.

An adviser explains visible signals, questions that may need clarification and what may be useful to prepare. It is not credit repair or dispute filing.

Direction & Recovery Planning, or DRP, is an advisory conversation about organising commitments and considering structured directions. It is not a decision that DRP is suitable or available.

No. SunLiTe does not negotiate, restructure or reschedule credit agreements, or receive and distribute repayments.

One set of basic figures produces two automatic planning views: a financing planning range and a separate DRP commitment-stress indicator. With card or personal-financing balances entered, a separate 1.5% monthly what-if illustration is also shown. This assumption is not an interest rate or an available repayment plan.

No. It is a preliminary, institution-neutral planning reference for an adviser discussion.

The screen uses 5% of total card outstanding as a monthly commitment proxy and labels that assumption in the form and result.

No. Result handoffs contain only a general request for an adviser explanation, not the financial figures entered.

No. SunLiTe provides preparation and advisory guidance. Any assessment, amount, rate, term or decision remains with the relevant external provider.

SunLiTe uses information provided through an official channel to respond to the enquiry, prepare an agreed service or quotation, keep appropriate records and meet applicable obligations. The Privacy Notice explains sharing, retention and access, correction or deletion requests.

Start a fresh conversation through https://www.sunliteadvisory.com, official@sunliteadvisory.com or +60 11-2560 2440 before sharing documents or accepting paid work.

Never share an OTP, password, PIN, full login credential or remote control of your device.

No. SunLiTe is an advisory business and does not issue financing products or control an external provider's assessment, amount, rate, term or decision.