Terms and Conditions
Last Updated
Last updated: 28 September 2026
Who Operates the Site and Acceptance of the Terms
knowledgenu operates this informational website focused on insurance programming. By accessing or using any part of the site you accept these terms in full. If you do not agree you must stop using the site immediately. These terms form a binding agreement between you and knowledgenu under the laws of Malaysia.
Eligibility and Permitted Use
The site is intended for residents of Malaysia and other users who can form legally binding contracts. You must be at least eighteen years old. You may view content for personal non-commercial information only. You may not copy distribute or modify any material without prior written consent from knowledgenu.
Prohibited Conduct
You must not use the site for any unlawful purpose or in a way that could damage or interfere with the site or its services. This includes attempting to gain unauthorised access transmitting harmful code or harassing other users. Violations may result in immediate termination of access and legal action under Malaysian law.
Accounts Submissions or User Content
The site does not require user accounts for basic browsing. Where the enabled blog allows comments or submissions you remain responsible for your content. You grant knowledgenu a non-exclusive licence to display and archive such material. knowledgenu may remove any submission that breaches these terms without notice.
Ownership of Site Content Trademarks and Permitted Limited Use
All text images code and other materials on the site are owned by knowledgenu or its licensors. Trademarks and logos must not be used without permission. You may print or download limited portions for personal reference only provided you retain all copyright notices.
Third-Party Services and Links
The site may contain references to third-party tools or resources related to insurance programming. These are provided for information only. knowledgenu does not endorse guarantee or accept liability for any third-party content or services.
Availability Changes Suspension and Termination
knowledgenu aims to keep the site available but does not guarantee uninterrupted access. The operator may change suspend or terminate any part of the site at any time without liability. Continued use after changes constitutes acceptance of the revised terms.
Disclaimers Subject to Mandatory Consumer Law
Content is provided for general informational purposes and does not constitute professional insurance or legal advice. To the fullest extent permitted by Malaysian consumer protection laws all warranties are excluded. Nothing in these terms excludes liability for fraud or personal injury caused by negligence.
Limitation of Liability
Subject to applicable Malaysian law knowledgenu will not be liable for indirect or consequential losses arising from use of the site. Direct liability is limited to the amount you have paid to access the site which is currently zero as the site is non-commercial.
Indemnity
You agree to indemnify knowledgenu against any claims losses or expenses arising from your breach of these terms or misuse of the site.
Governing Law Courts and Consumer Dispute Rights
These terms are governed by the laws of Malaysia. Any disputes shall be resolved in the courts of Malaysia. You retain all rights under the Consumer Protection Act 1999 and other mandatory legislation.
Severability Waiver Changes Contact Route and Last Updated
If any provision is found invalid the remainder continues in force. Failure to enforce any term does not waive that right. knowledgenu may update these terms periodically. For questions contact [email protected] or +603-7861 8400 or visit the contact form. The address for correspondence is No. 638, Level 6, Block B1, Leisure Commerce Square, No. 9, Jalan PJS 8/9, 46150 Petaling Jaya, Selangor, Malaysia. The footer also contains © 2026 knowledgenu.
These terms ensure transparent operation of the informational resource while respecting Malaysian legal requirements for consumer protection and contract formation.