Terms and Conditions

Last updated: 28 September 2026

Who Operates the Site and Acceptance of the Terms

studyzonely operates this non-commercial informational website focused on Insurance Programming. By accessing or using the site you accept these terms in full. If you do not agree you must stop using the site immediately. These terms constitute a binding agreement between you and studyzonely under the laws of Malaysia.

Eligibility and Permitted Use

The site is intended for residents of Malaysia and other users who can form legally binding contracts. You must be at least 18 years old. You may use the site only for lawful personal informational purposes related to Insurance Programming. Commercial use is prohibited without prior written consent from studyzonely.

Prohibited Conduct

You must not post or transmit material that is defamatory, obscene, infringing or harmful. You must not attempt to gain unauthorised access, interfere with site functionality, or collect data from other users. Violations may result in immediate suspension and reporting to Malaysian authorities where appropriate.

Blog Submissions and User Content

The blog allows submissions of comments and articles. By submitting content you grant studyzonely a perpetual non-exclusive licence to publish and archive it. You remain responsible for the accuracy and legality of your submissions. studyzonely reserves the right to moderate or remove any content that breaches these terms.

Ownership of Site Content and Trademarks

All original content on the site including text, graphics and code is owned by studyzonely or its licensors. You may not reproduce or distribute content without permission except for limited personal non-commercial quotation with attribution. Trademarks displayed remain the property of their respective owners.

Third-Party Services and Links

The site may reference third-party tools or resources common in Insurance Programming. These references do not constitute endorsement. studyzonely is not responsible for the content, availability or practices of external sites.

Availability, Changes, Suspension and Termination

studyzonely aims to keep the site available but does not guarantee uninterrupted access. We may modify, suspend or terminate the site or any part of it at any time without notice. Your continued use after changes constitutes acceptance of the revised terms.

Disclaimers

Information on the site is provided for general guidance only and does not constitute professional insurance or legal advice. While we strive for accuracy, studyzonely makes no warranties regarding completeness or suitability for your specific needs. Consumer rights under Malaysian law remain unaffected.

Limitation of Liability

To the fullest extent permitted by Malaysian law, studyzonely and its contributors shall not be liable for any indirect, incidental or consequential damages arising from use of the site. Direct liability is limited to the maximum extent allowed by statute and does not exclude liability for death, personal injury caused by negligence, or fraud.

Indemnity

You agree to indemnify studyzonely against any claims, losses or expenses arising from your breach of these terms or your submissions to the blog.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Malaysia. Any disputes 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. You may also pursue remedies through the Tribunal for Consumer Claims where eligible.

Severability, Waiver, Changes and Contact

If any provision is found invalid the remaining provisions continue in force. Failure to enforce any term does not constitute a waiver. studyzonely may update these terms periodically. For questions contact us via the form on the Contacts page or at [email protected], +6011-54575705 or Level 28, GTower, 199 Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia. These terms were last updated on 28 September 2026.