Terms of Use

Last Updated: March 15, 2025

Welcome to equarialunthos.sbs. These Terms of Use govern your access to and use of our personal finance education platform. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing, browsing, or using the equarialunthos.sbs website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our services.

Agreement Formation

These terms constitute a legally binding agreement between you and equarialunthos. Your continued use of our services confirms your acceptance of these terms and any modifications we may make from time to time.

Capacity to Enter Agreement

You must be at least 18 years old to use our services. If you are under 18, you may only use our services under the supervision of a parent or legal guardian who agrees to these terms.

2. Description of Services

equarialunthos provides educational resources and tools focused on personal finance skills development. Our platform offers courses, articles, tools, and resources designed to help users develop financial literacy and money management skills.

Educational Nature

All content provided is for educational purposes only. We do not provide financial advice, investment recommendations, or personalized financial planning services. Users should consult with qualified financial professionals for specific financial decisions.

Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue services with or without notice.

3. User Responsibilities and Conduct

Users are expected to use our services responsibly and in compliance with applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information.

Prohibited Activities

Using the service for any illegal or unauthorized purpose

Attempting to gain unauthorized access to our systems

Distributing malware or harmful code

Harassing or intimidating other users

Violating intellectual property rights

Sharing false or misleading information

Account Security

You are responsible for maintaining the security of your account credentials and for all activities that occur under your account. Please notify us immediately of any unauthorized access to your account.

4. Intellectual Property Rights

All content on equarialunthos.sbs, including text, graphics, logos, images, and software, is the property of equarialunthos or its licensors and is protected by intellectual property laws.

License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. This license does not include the right to distribute, modify, or create derivative works.

User-Generated Content

Any content you submit to our platform remains your property, but you grant us a non-exclusive license to use, modify, and display such content in connection with our services.

5. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms of Use.

Data Collection

We collect information necessary to provide our services, including account information, usage data, and communications. We use this information to improve our services and provide support.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

6. Disclaimers and Limitations

Our services are provided "as is" without warranties of any kind, either express or implied. We disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

Educational Content Disclaimer

The educational content provided is for informational purposes only and should not be considered as financial advice. Users should conduct their own research and consult with qualified professionals before making financial decisions.

Limitation of Liability

To the maximum extent permitted by law, equarialunthos shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

7. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

Notification of Changes

We will make reasonable efforts to notify users of significant changes to these terms through our website or other communication channels. However, it is your responsibility to review these terms regularly.

8. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use.

Effect of Termination

Upon termination, your right to use our services ceases immediately. All provisions of these Terms of Use that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Malaysia. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Dispute Resolution

We encourage users to contact us directly to resolve any disputes informally. If informal resolution is not possible, disputes will be resolved through binding arbitration in accordance with Malaysian law.

10. Severability and Entire Agreement

If any provision of these Terms of Use is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable. These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and equarialunthos.

Waiver

No waiver of any term or condition of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Contact Information

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

equarialunthos
King Centre
93350 Kuching, Sarawak, Malaysia
Phone: +6088488641
Email: info@equarialunthos.sbs