Terms of Service

1. Introduction

Welcome to Financial Literacy Courses Malaysia 2025. These Terms of Service ("Terms") govern your use of our website located at financialliteracy2025.my (the "Website") and the educational services offered through our platform (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Services.

2. Definitions

Throughout these Terms, we may use certain terminology consistently:

• "We," "Us," "Our," refers to Financial Literacy Courses Malaysia 2025, its operators, and affiliates.
• "User," "You," "Your," refers to individuals who access or use our Services.
• "Content" refers to all materials available through our Services, including but not limited to text, images, videos, course materials, and interactive elements.
• "Account" refers to the personal registration and login credentials used to access certain features of our Services.

3. Account Registration and Eligibility

Some portions of our Services require you to create an account. You must provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must be at least 18 years old or have parental consent to use our Services. We reserve the right to refuse service, terminate accounts, or remove content at our discretion.

4. Educational Services

Our primary purpose is to provide financial literacy education to Malaysian residents. Course materials, schedules, and availability are subject to change. Payment for courses is processed according to our payment policies, which may be updated periodically. Refunds are available according to our refund policy, which can be found on our website. Completion of courses does not guarantee specific financial outcomes or success.

5. Intellectual Property Rights

The content on our Website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Financial Literacy Courses Malaysia 2025 or its content suppliers and is protected by Malaysian and international copyright laws. The compilation of all content on this site is the exclusive property of Financial Literacy Courses Malaysia 2025 and is protected by Malaysian and international copyright laws.

Users may not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Services without express written permission from us. All course materials provided to registered users are for personal, non-commercial use only.

6. User Conduct

By using our Services, you agree not to:

• Use the Services for any illegal purpose or in violation of any local, state, national, or international law
• Violate or encourage others to violate the rights of third parties, including intellectual property rights
• Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable
• Interfere with security features of the Services
• Use the Services to send unauthorized commercial communications
• Engage in automated use of the system that could reasonably be expected to burden our servers or networks
• Attempt to gain unauthorized access to any portion of the Services
• Impersonate another person or misrepresent your affiliation with any person or entity

7. Privacy Policy

Your use of our Services is also governed by our Privacy Policy, which can be found at Privacy Policy. Please review this policy to understand our practices regarding the collection and use of your personal information.

8. Limitation of Liability

To the maximum extent permitted by law, in no event shall Financial Literacy Courses Malaysia 2025, its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use or alteration of your transmissions or content

The financial information we provide is for educational purposes only and should not be considered professional financial advice. We are not responsible for any financial decisions made based on our educational content.

9. Indemnification

You agree to defend, indemnify and hold harmless Financial Literacy Courses Malaysia 2025, its parent corporation, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Services
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any significant changes by posting the new Terms on this page and updating the "last updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

12. Contact Information

If you have any questions about these Terms, please contact us at:

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.