Terms and Conditions

Last updated: 23 September 2026

Who Operates the Site and Acceptance of the Terms

investixly operates this informational website focused on Insurance Programming for users in Malaysia. By accessing or using any part of the site you agree to be bound by these Terms and Conditions. If you do not agree you must stop using the site immediately. Continued use after any update constitutes acceptance of the revised terms. The site provides educational and general information only and does not replace professional advice from licensed insurers or financial advisers.

Eligibility and Permitted Use

Users must be at least eighteen years of age and legally capable of entering into contracts under Malaysian law. The site is intended for personal non-commercial information purposes. You may view pages browse blog articles and share content for educational discussions provided you do not modify or misrepresent the material. Commercial reproduction or systematic data extraction requires prior written consent from investixly.

Prohibited Conduct

You must not upload malicious code attempt to gain unauthorised access interfere with site functionality or post content that is defamatory obscene or violates Malaysian law. Automated scraping bulk downloading or any activity that places unreasonable load on the servers is prohibited. Violations may result in immediate suspension of access and reporting to relevant authorities.

Accounts Submissions and User Content

While the site does not require registration for basic browsing certain interactive features such as blog comments may request limited information. Any submissions remain your responsibility and must comply with applicable laws. investixly reserves the right to moderate or remove content that breaches these terms without notice. You retain ownership of your submissions but grant investixly a non-exclusive licence to display and archive them on the site.

Ownership of Site Content Trademarks and Permitted Limited Use

All text images code and design elements on the site are protected by Malaysian copyright and intellectual property laws. Trademarks belonging to investixly or third parties may not be used without permission. You may quote short excerpts for non-commercial criticism or review provided you attribute the source clearly and do not imply endorsement.

Third-Party Services and Links

The site may contain references to external resources or services operated by insurers regulators or other organisations. These links are provided for convenience only and do not constitute endorsement or warranty. investixly is not responsible for the accuracy privacy practices or availability of third-party content. Users should review the terms of any external site before providing personal information.

Availability Changes Suspension and Termination

investixly aims to maintain continuous access but cannot guarantee uninterrupted service. The site may be suspended for maintenance updates or due to circumstances beyond reasonable control. investixly may modify remove or discontinue any section at any time without liability. Persistent breach of these terms may lead to permanent termination of access rights.

Disclaimers Subject to Mandatory Consumer Law

The information on Insurance Programming is general in nature and provided without any warranty of accuracy completeness or suitability for any particular purpose. To the extent permitted by Malaysian consumer protection legislation all implied warranties are excluded. Nothing in these terms excludes liability for fraud death or personal injury caused by negligence or any other liability that cannot be limited under Malaysian law.

Limitation of Liability

Subject to the above investixly its directors and contributors shall not be liable for any indirect incidental special or consequential damages arising from use of the site including loss of data or profits. Total liability for any claim shall not exceed the amount if any paid by the user to access the site which is currently zero as the site operates on a non-commercial basis.

Indemnification

You agree to indemnify and hold harmless investixly from any claims losses or expenses including reasonable legal fees arising from your breach of these terms or misuse of the site content.

Governing Law Courts and Consumer Dispute Rights

These terms are governed by the laws of Malaysia. Any dispute shall be subject to the exclusive jurisdiction of the courts of Malaysia. Consumers retain rights under the Consumer Protection Act 1999 and may pursue remedies through the Tribunal for Consumer Claims Malaysia where applicable. Nothing in these terms affects statutory rights that cannot be waived.

Severability Waiver Changes Contact Route and Last-Updated Date

If any provision is found unenforceable the remaining terms continue in full force. Failure to enforce any right does not constitute a waiver. investixly may update these terms periodically and will indicate the date of the latest revision. For questions please use the contact form on the Contacts page or reach [email protected] +6014-925 6398 or Level 28, GTower, Jalan Tun Razak, 50450 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur, Malaysia. These terms constitute the entire agreement between you and investixly regarding site use.