Terms of Service

Last updated: March 9, 2026

These Terms of Service govern your use of BudgetWise Malaysia and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you are not permitted to use our platform. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of those modifications.

Acceptance of Terms

Your access to and use of our website is conditioned upon your acceptance of and compliance with these Terms of Service. These terms apply to all visitors, users, and others who access or use our platform. By using our services, you acknowledge that you have read, understood, and agree to be bound by all the provisions herein. We provide educational resources related to federal budget structures, government expenditure analysis, revenue composition, and public spending allocation in Malaysia. Your use of these resources is subject to these terms and any additional guidelines we may provide. If you disagree with any aspect of these terms, please discontinue use of our website immediately.

User Obligations

As a user of our platform, you agree to comply with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You agree not to use our website for any unlawful purpose or in any way that could damage, disable, or impair our services. You shall not attempt to gain unauthorized access to our systems, upload harmful content, or engage in any form of harassment or abuse. You agree to use our educational resources responsibly and solely for lawful, informational purposes. We expect all users to treat our content with respect and to use the information provided in accordance with applicable Malaysian laws and regulations.

Intellectual Property Rights

All content on our website, including but not limited to text, graphics, logos, images, audio files, and software, is the property of or licensed to us and is protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use our content for personal, educational purposes only. You may not reproduce, distribute, transmit, modify, or create derivative works from any content without our prior written permission. This includes all educational materials related to federal budget structures, government expenditure analysis, and revenue composition data. Any unauthorized use of our intellectual property is strictly prohibited and may result in legal action. We appreciate your respect for our intellectual property rights and expect all users to honor these restrictions.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or services. Our liability for direct damages is limited to the amount you have paid to us, if any. We provide our educational resources on an “as is” and “as available” basis without any warranties, express or implied. We do not guarantee the accuracy, completeness, or timeliness of information regarding federal budget structures, government expenditure, Petronas contributions, or revenue composition. While we strive to provide reliable information, we are not responsible for errors, omissions, or outdated data. You use our services at your own risk and assume full responsibility for any decisions made based on information obtained from our platform.

Termination

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and without prior notice. Termination may occur if we determine that you have violated these Terms of Service or engaged in conduct that we consider inappropriate or harmful. Upon termination, your right to use our services ceases immediately. We may also discontinue or modify our services at any time. Any provisions of these terms that are intended to survive termination, including intellectual property rights and limitation of liability, shall continue in effect. We appreciate your understanding and cooperation in maintaining a respectful and lawful user environment on our educational platform.