Terms of Use

Account Security

• Maintain the confidentiality of your login credentials and account information
• Immediately notify us of any unauthorized access to your account
• Use strong, unique passwords and enable two-factor authentication when available
• Log out of your account when using shared or public computers
• Accept full responsibility for all activities conducted under your account

Prohibited Activities

1. Using our platform for any unlawful purpose or in violation of local, state, or international laws
2. Attempting to gain unauthorized access to our systems, servers, or databases
3. Transmitting viruses, malware, or other harmful code through our platform
4. Engaging in any activity that disrupts or interferes with our services
5. Providing false, misleading, or inaccurate information during registration or use
6. Using automated systems or software to extract data from our platform
7. Impersonating another person or entity or misrepresenting your affiliation
8. Violating the intellectual property rights of girexofaluno or third parties

Service Limitations

Our platform may experience temporary outages due to maintenance, technical issues, or circumstances beyond our control. We are not liable for any losses or damages resulting from service interruptions. We recommend maintaining backup records of important financial information.

Feature Updates

We continuously improve our platform by adding new features, modifying existing functionality, and updating our user interface. These changes are designed to enhance your experience and may be implemented without prior notice. We encourage users to familiarize themselves with new features as they become available.

Information Accuracy

While we strive to provide accurate and up-to-date financial information, we cannot guarantee the completeness, accuracy, or timeliness of all data presented on our platform. Market conditions change rapidly, and information may become outdated. Users should verify all financial information independently before making decisions.

Third-Party Content

• Our platform may include content from third-party sources and partners
• We do not endorse or guarantee the accuracy of third-party information
• Third-party content is provided for convenience and informational purposes only
• Links to external websites are provided as a service to users
• We are not responsible for the content, policies, or practices of external sites

Data Collection and Use

1. We collect information necessary to provide our financial services and improve user experience
2. Personal data is processed in accordance with Malaysian data protection regulations
3. We implement appropriate security measures to protect your information
4. We do not sell or rent your personal information to third parties
5. You have the right to access, correct, or delete your personal information

Cookies and Tracking

Our platform uses cookies and similar technologies to enhance functionality, analyze usage patterns, and provide personalized experiences. You can manage cookie preferences through your browser settings, though disabling certain cookies may affect platform functionality.

License to Use

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 modify, distribute, reproduce, or create derivative works based on our content without express written permission.

User-Generated Content

• You retain ownership of content you create or submit through our platform
• By submitting content, you grant us a license to use, display, and distribute it
• You represent that you have the right to submit any content you provide
• We reserve the right to remove any content that violates these terms
• You are responsible for ensuring your content does not infringe on third-party rights

Exclusions

We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our platform will be error-free, secure, or continuously available.

Dispute Resolution Process

1. Initial disputes should be addressed through direct communication with our support team
2. If direct resolution is not possible, disputes may be submitted to mediation
3. Both parties agree to participate in good faith mediation efforts
4. Unresolved disputes shall be settled through binding arbitration
5. Legal proceedings, if necessary, shall be conducted in Pulau Pinang, Malaysia

Effect of Termination

Upon termination, your right to use our platform immediately ceases. We may, at our discretion, delete your account and all associated data. Provisions of these terms that by their nature should survive termination shall remain in effect, including intellectual property rights, liability limitations, and dispute resolution clauses.

Additional Terms

• No waiver of any term shall be deemed a waiver of any other term or future breach
• These terms may not be assigned by you without our prior written consent
• We may assign these terms to any affiliate or successor entity
• Headings are for convenience only and do not affect interpretation
• These terms are binding upon your heirs, successors, and assigns