Website Terms and Conditions of Use
These terms govern your use of quilathorena.com and all related content. By accessing our website, you agree to comply with the conditions below.
Last updated: December 30, 2025
Acceptance of Terms
You confirm understanding and acceptance of these terms by using our site and services. Do not use our platform if you disagree with any part of these conditions.
Definitions
To ensure clarity, please review the following core concepts as used throughout these terms.
‘User’ refers to anyone accessing or interacting with quilathorena.com and its features.
‘Content’ includes all text, articles, blog posts, images, and user comments shared on the site.
‘Service’ means providing general information and practical financial tips for Malaysians.
‘Personal Data’ means any data that identifies or relates to an individual.
Acceptable Use of the Service
Use the site for personal, non-commercial reading or to engage respectfully with our financial tips. Do not misuse site features or attempt unauthorized access.
Eligibility
Our platform is open to Malaysian residents aged 18 and above. Use by minors requires guardian approval.
Always ensure your use of this site is legal in your jurisdiction.
User Responsibilities
As a user, you agree to behave lawfully, respect community standards, and avoid sharing misleading information.
Prohibited Uses
Avoid the following to maintain safety and respect for all.
Intellectual Property Rights
All content is owned or licensed by Quilathorena, and may not be reproduced, modified, or distributed without written consent. Respect trademarks and branding.
User Content
Respectful comments and shared experiences are welcome. By posting, you allow us to use your contributions for site community purposes.
Your Rights to Shared Content
You always retain copyright on your original submissions but grant Quilathorena a licence to display it on our blog.
Privacy Commitment
Personal information is handled as described in our Privacy Policy. Please review our policy for more about your rights and data handling.
See privacy policyLegal and Site Disclaimers
Content is for informational use, not a substitute for professional advice. Results may vary and we do not guarantee specific outcomes.
Disclaimer Notice
Reliance on our content is at your own discretion. Consult a professional for personal financial decisions.
Limitation of Liability
We are not liable for losses or damages resulting from use or inability to use our content.
Indemnification
You agree to defend and indemnify us against claims or losses linked to your breach of these terms.
Dispute Resolution and Law
We aim to resolve issues fairly and quickly. Please contact us before pursuing formal action.
Arbitration
Disputes will be settled through arbitration in Malaysia if not resolved amicably. Both parties must attempt informal resolution first.
This section does not limit your right to seek legal remedy.
Online Dispute Resolution
You may access alternative dispute resolution through online channels if preferred. This supports faster, friendlier solutions.
Read our disclaimerSeverability
If any provision becomes invalid, remaining terms still apply in full.
Entire Agreement
These terms constitute the full agreement between you and Quilathorena. Additional communications do not supersede these terms.
Applicable Laws and Jurisdiction
Malaysian law applies. Users outside Malaysia should comply with their own regulations.
Termination
Violation of these terms may lead to loss of site access and content removal. We reserve the right to enforce policies as needed.
Modifications
Terms may be updated without notice. Please check regularly for effective changes.
Contact for Questions
Please send questions or concerns about these terms to our team.
Email address: content@quilathorena.com
Phone number: +60 6-880 1551
Office address: Infinity8 MyTOWN, L3-023, Level 3, MyTOWN Shopping Centre, Jalan Cochrane, Kuala Lumpur 55100 Malaysia
Effective date: December 30, 2025
Version: v2