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Activity-Based Budgeting
Practice-Oriented Workshops
Kota Kinabalu, Sabah

Terms of Use

Last updated: February 3, 2025

Please read these Terms of Use carefully before accessing or using the Malayvora platform available at malayvora.com. By accessing or using any part of the platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the platform.

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and Malayvora governing your access to and use of the platform, including all content, features, workshops, exercises, and services offered. Your continued use of the platform following any updates to these Terms constitutes acceptance of those changes.

2. Eligibility

You must be at least 18 years of age, or the age of majority in your jurisdiction, to use this platform. By agreeing to these Terms, you represent and warrant that you meet this eligibility requirement. If you are using the platform on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Account Registration

3.1 Account Creation

Certain features of the platform require you to register for an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated at all times.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at contact@malayvora.com if you become aware of any unauthorized use of your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account at our sole discretion if we reasonably believe you have violated these Terms or engaged in conduct harmful to other users, the platform, or third parties.

4. Use of the Platform

4.1 Permitted Use

You may access and use the platform solely for lawful, personal, and non-commercial educational purposes in accordance with these Terms. You agree to use the platform in a manner consistent with all applicable laws and regulations.

4.2 Prohibited Conduct

You agree not to:

5. Intellectual Property

5.1 Platform Content

All content on the platform, including but not limited to text, graphics, course materials, workshop exercises, videos, logos, and software, is the exclusive property of Malayvora or its licensors and is protected by applicable intellectual property laws. No content may be used, reproduced, or distributed without express written permission.

5.2 User-Submitted Content

By submitting any content to the platform, including assignments, comments, or collaborative materials, you grant Malayvora a non-exclusive, royalty-free, worldwide license to use, display, and distribute such content solely for the purpose of operating and improving the platform. You retain ownership of your submitted content.

5.3 Feedback

Any feedback, suggestions, or ideas you provide regarding the platform may be used by Malayvora without restriction or compensation to you.

6. Payments and Subscriptions

6.1 Fees

Access to certain workshops or features may require payment of fees. All applicable fees will be disclosed prior to purchase. By completing a purchase, you authorize Malayvora to charge the specified amount using your selected payment method.

6.2 Refunds

Refund eligibility is determined by the refund policy applicable at the time of purchase. Please review the specific terms presented during checkout or contact us at contact@malayvora.com for assistance.

6.3 Changes to Pricing

Malayvora reserves the right to modify pricing at any time. Changes will not affect purchases already completed.

7. Third-Party Links and Services

The platform may contain links to third-party websites or services that are not owned or controlled by Malayvora. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party services you access.

8. Disclaimers

The platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Malayvora does not warrant that the platform will be uninterrupted, error-free, or free of harmful components. Educational content is provided for informational and skill-development purposes only and does not constitute professional financial, legal, or accounting advice.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Malayvora and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the platform, even if advised of the possibility of such damages. Our total liability for any claim arising under these Terms shall not exceed the amount paid by you to Malayvora in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Malayvora and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the platform, your violation of these Terms, or your infringement of any third-party rights.

11. Privacy

Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the platform, you consent to the collection and use of your information as described in the Privacy Policy.

12. Modifications to the Platform

Malayvora reserves the right to modify, suspend, or discontinue any aspect of the platform at any time without prior notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

13. Changes to These Terms

We may update these Terms of Use from time to time. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review these Terms periodically. Your continued use of the platform after any changes constitutes your acceptance of the revised Terms.

14. Governing Principles

These Terms shall be interpreted in accordance with general principles of fairness and good faith. Any disputes arising in connection with these Terms shall be resolved through good-faith negotiation in the first instance. If resolution cannot be reached informally, disputes shall be subject to binding arbitration or the dispute resolution mechanism agreed upon by both parties.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

16. Entire Agreement

These Terms of Use, together with the Privacy Policy and any other legal notices published on the platform, constitute the entire agreement between you and Malayvora concerning your use of the platform and supersede all prior agreements relating to the same subject matter.

17. Contact Us

If you have any questions about these Terms of Use, please contact us: