Terms and Conditions of Use
Please read these terms carefully before using our website for financial literacy advice.
Last updated January 17, 2026
Acceptance of Terms
By accessing or using this site, you agree to these terms. If you disagree with any part, please refrain from using our services.
Key Terms
The following definitions clarify terminology used throughout these terms.
“User” refers to any individual accessing this site.
“Content” includes articles, blog posts, images, and materials shared here.
“Service” means the information and features offered through this platform.
“We”, “us”, and “our” refer to the website operator.
Permitted Use
You may browse this site for informational purposes and share content respecting copyright.
Eligibility
Access is permitted for individuals aged 18 years and above or those with parental consent.
No one under 13 may provide personal data.
User Responsibilities
By using this site, you agree to adhere to these practices.
Prohibited Activities
The following activities are not allowed on this site.
Intellectual Property
All content is protected and may not be reproduced without consent. Use for personal, non-commercial purposes only.
User Submissions
User comments may be moderated and must not breach any law or terms.
Your Content Rights
You retain rights to your submissions but grant us permission to use, display, or moderate them.
Privacy Commitment
Refer to our privacy policy for details about personal information use and protection.
Privacy PolicyGeneral Disclaimer Statement
Please review the disclaimer for important legal notices.
Disclaimer Warning
Information here is for informational purposes and does not guarantee outcome.
Liability Limitations
We are not liable for losses due to site use or reliance on site content.
Indemnity
Users agree to indemnify us for claims arising from their use of the platform.
Dispute Resolution Process
Procedures for resolving disagreements are outlined below.
Arbitration
Disputes may be resolved through mutually agreed arbitration.
Arbitration is subject to Malaysian law.
Online Dispute Resolution
Use the provided online dispute channel for digital dispute resolution.
Contact for dispute resolutionSeverability
If a part is invalid, other sections remain in effect.
Entire Agreement
This document contains the full terms agreement.
Jurisdiction and Governing Law
All terms governed by Malaysian law.
Termination
Violation of these terms may result in restriction or removal of access.
Changes
These terms may be updated. Continued use constitutes acceptance.
Contact Information
Reach out with any queries regarding these terms.
Email Address: content@tivulara.pro
Phone Number: +60 3-1891 1245
Physical Address: Regus - Kuala Lumpur KL Sentral, Level 8, Kuala Lumpur 50470 Malaysia
Effective Date: January 17, 2026
Version: 1.0