Terms and Conditions

Last updated: 29 September 2026.

Who Operates the Site and Acceptance of the Terms

knowledrix operates this informational website focused on insurance programming topics for users in Malaysia. By accessing or using any part of the site you agree to these terms in full. If you do not agree you must stop using the site immediately. Continued use after any update constitutes acceptance of the revised terms.

Eligibility and Permitted Use

The site is intended for individuals and entities located in Malaysia who are at least 18 years old. You may access the content for personal educational or professional informational purposes only. Commercial reproduction or redistribution requires prior written consent from knowledrix. The site does not provide regulated financial advice or sell insurance products.

Prohibited Conduct

Users must not attempt to disrupt site operations, scrape content systematically, upload malicious code, impersonate others, or engage in any activity that violates Malaysian laws including the Communications and Multimedia Act 1998 or the Computer Crimes Act 1997. Violations may result in immediate access termination and potential legal action.

Accounts, Submissions or User Content

Although the site primarily offers informational content, a blog feature allows limited user comments or submissions where enabled. Any content you submit must be original, lawful and not infringe third-party rights. knowledrix reserves the right to moderate, edit or remove submissions without notice. You retain ownership of your submissions but grant knowledrix a perpetual non-exclusive licence to display and distribute them on the site.

Ownership of Site Content, Trademarks and Permitted Limited Use

All original text, graphics, code examples and other materials on the site are owned by knowledrix or its licensors and protected by Malaysian copyright law. You may view and print single copies for personal non-commercial use. Trademarks and logos remain the property of their respective owners. Any other use, including framing or deep linking, is prohibited without express permission.

Third-Party Services and Links

The site may contain links to external resources or integrate third-party tools for analytics or content delivery. These links are provided for convenience only. knowledrix does not endorse, control or assume responsibility for the accuracy, availability or practices of any third-party site or service.

Availability, Changes, Suspension and Termination

knowledrix strives to maintain continuous access but cannot guarantee uninterrupted availability. The operator may modify, suspend or discontinue any part of the site at any time without liability. Users may stop using the site at any time. knowledrix may terminate access for breach of these terms.

Disclaimers Subject to Mandatory Consumer Law

Content is provided on an as-is basis for general informational purposes. While reasonable efforts are made to ensure accuracy, knowledrix makes no warranties regarding completeness, reliability or suitability for any particular purpose. Nothing in these terms excludes or limits liability that cannot be excluded under Malaysian consumer protection legislation.

Limitation of Liability

To the maximum extent permitted by law, knowledrix and its contributors shall not be liable for any indirect, incidental, special or consequential damages arising from use of the site, even if advised of the possibility of such damages. Direct liability is limited to the amount you paid to access the site, which is zero for this non-commercial resource.

Indemnity

You agree to indemnify and hold harmless knowledrix, its operators and affiliates from 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 dispute shall be subject to the exclusive jurisdiction of the courts of Malaysia. Nothing in these terms affects your statutory rights as a consumer under the Consumer Protection Act 1999 or other applicable Malaysian legislation.

Severability, Waiver, Changes, Contact Route and Last-Updated Date

If any provision is found unenforceable the remainder continues in full force. Failure to enforce any right does not constitute a waiver. knowledrix may update these terms periodically. The current version is dated 29 September 2026. For questions contact knowledrix via the contact form on the Contacts page or using [email protected], +6011-5457 5705 or Level 28, GTower, 199 Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia.