Terms of Use

1. Acceptance of Terms

By accessing and using the Quivethaxezyna financial services platform located at quivethaxezyna.sbs, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

These terms constitute a legally binding agreement between you and Quivethaxezyna, a financial services company operating in Malaysia. Your continued use of our platform indicates your acceptance of these terms and any modifications we may make from time to time.

2. Description of Services

Quivethaxezyna provides cost-effective financial solutions and educational resources through our digital platform. Our services are designed to help individuals and businesses in Malaysia better understand and manage their financial needs through accessible tools and information.

2.1 Platform Services

• Financial education and learning programs
• Cost-effective financial planning tools
• Market insights and analysis
• Personal finance management resources
• Business financial consulting information

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We are not liable for any modification, suspension, or discontinuation of services.

3. User Obligations and Responsibilities

As a user of our platform, you agree to use our services responsibly and in compliance with all applicable laws and regulations. You are solely responsible for your conduct while using our platform.

3.1 Prohibited Activities

1. Using our platform for any unlawful purpose or in violation of any local, state, national, or international law
2. Transmitting or uploading any material that contains viruses, malware, or other harmful computer code
3. Attempting to gain unauthorized access to our systems, other user accounts, or computer networks
4. Impersonating any person or entity or falsely stating your affiliation with any person or entity
5. Collecting or harvesting personally identifiable information from our platform
6. Using automated systems or software to extract data from our platform without permission

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account or any other breach of security.

4. Financial Disclaimers and Risk Warnings

Our platform provides educational content and general information about financial topics. This information is not intended as personalized financial advice and should not be considered as such.

4.1 No Financial Advice

The content provided on our platform is for educational and informational purposes only. We do not provide personalized investment advice or recommendations. Any financial decisions you make based on information from our platform are made at your own risk and discretion.

4.2 Market Volatility

Financial markets are subject to volatility and unpredictable changes. The value of investments can fluctuate significantly, and you may lose some or all of your invested capital. We strongly recommend diversifying your financial portfolio and never investing more than you can afford to lose.

5. Intellectual Property Rights

All content on our platform, including but not limited to text, graphics, logos, images, software, and design elements, is the property of Quivethaxezyna or our licensors and is protected by Malaysian and international copyright laws.

5.1 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes. This license does not include the right to:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our content
• Use our content for commercial purposes without written permission
• Remove or modify copyright notices or other proprietary markings

6. Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information responsibly. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use.

6.1 Data Collection

We collect information that you provide directly to us, such as when you create an account, subscribe to our services, or contact us for support. We also automatically collect certain information about your use of our platform through cookies and similar technologies.

6.2 Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

7. Limitation of Liability

To the fullest extent permitted by Malaysian law, Quivethaxezyna and its directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform.

7.1 Financial Losses

We shall not be liable for any financial losses you may incur as a result of using information or tools available on our platform. All financial decisions are made at your own risk, and you acknowledge that investing and financial planning involve inherent risks.

7.2 Platform Availability

While we strive to maintain continuous availability of our platform, we do not guarantee uninterrupted access. We shall not be liable for any damages resulting from platform downtime, maintenance, or technical issues beyond our reasonable control.

8. Termination

We reserve the right to terminate or suspend your access to our platform at any time, with or without cause, and with or without notice. Upon termination, your right to use our platform will cease immediately.

8.1 Effect of Termination

Upon termination of your account, we may delete your personal information and account data. We are not obligated to retain any user data after account termination, though we may retain certain information as required by law or for legitimate business purposes.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these terms or your use of our platform shall be subject to the exclusive jurisdiction of the Malaysian courts.

9.1 Dispute Resolution

Before initiating any legal proceedings, we encourage users to contact us directly to resolve disputes amicably. We are committed to addressing user concerns promptly and fairly.

10. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our platform. Your continued use of our services after any modifications constitutes acceptance of the updated terms.

We recommend reviewing these terms periodically to stay informed of any changes. Significant modifications will be highlighted on our platform to ensure user awareness.