Terms of Service
Last updated: March 9, 2026
Acceptance of Terms
These Terms of Service govern your use of BalanceWealth Hub and its services. By accessing and using our website, you agree to be bound by these terms in their entirety. If you do not agree with any part of these terms, you must discontinue your use of our platform immediately. We reserve the right to modify these terms at any time without prior notice. Your continued use of our services following any modifications constitutes your acceptance of the updated terms. These terms apply to all users, including but not limited to casual visitors, registered members, and those accessing our educational resources on Malaysian financial diversification, asset classes, ASNB fund structures, and Securities Commission Malaysia regulatory frameworks.
User Obligations and Responsibilities
Users agree to use our platform solely for lawful purposes and in accordance with all applicable laws and regulations. You must not engage in any conduct that is abusive, defamatory, or harmful to others. When accessing our financial education materials regarding balanced savings approaches, asset class categories, and fixed income versus equity fund distinctions, you acknowledge that this information is provided for educational purposes only. You are responsible for maintaining the confidentiality of any account information and for all activities occurring under your account. Users must not attempt to gain unauthorized access to our systems, disrupt service continuity, or violate intellectual property rights. We expect all users to interact respectfully with our platform and community resources.
Intellectual Property Rights
All content on our platform, including text, graphics, educational materials about diversification principles, ASNB fund structures, and Securities Commission Malaysia regulatory overview, is the exclusive property of our organization or licensed partners. This includes articles on asset class categories and balanced savings strategies tailored for Malaysian investors. You may not reproduce, distribute, modify, or transmit any content without explicit written permission. Users are granted a limited, non-exclusive license to view and use content for personal, non-commercial educational purposes. Any unauthorized use of our intellectual property is strictly prohibited and may result in legal action. We actively protect our proprietary information and educational resources from infringement.
Limitation of Liability
We provide our services and educational content on an “as-is” basis without warranties of any kind. We shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our platform or reliance on our information about diversification strategies, asset allocation, or ASNB investment principles. Your use of our resources is entirely at your own risk. We do not guarantee the accuracy, completeness, or timeliness of any financial information provided. While we strive to maintain high standards of educational content regarding fixed income funds and equity fund distinctions, we are not responsible for any losses or damages resulting from your investment decisions or financial actions taken based on our materials. Users should consult with qualified financial advisors before making investment decisions.
Termination of Access
We reserve the right to terminate or suspend user access to our platform at any time and for any reason, including violation of these terms or engagement in prohibited conduct. Upon termination, your right to use our services immediately ceases. We may also discontinue or modify our services, including educational resources on Malaysian financial topics, asset diversification, and Securities Commission regulatory frameworks, at any time without notice. Termination does not relieve you of any obligations incurred prior to cessation of access. We will make reasonable efforts to provide notice of significant service changes when possible. Your obligations under these terms survive any termination or expiration of your account access.