Terms of Service

Last updated: March 20, 2026

These Terms of Service govern your use of PortfolioPro and its services. By accessing and using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our services. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes. These terms apply to all users, visitors, and anyone accessing our educational content and resources.

Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service in their entirety. Your use of our platform indicates your acceptance of all terms and conditions outlined herein. We provide educational content and information regarding diversification principles, risk awareness, asset classes, geographic allocation, and capital preservation strategies for Malaysian households. Your access to this content is conditioned upon your acceptance of these terms and your compliance with all applicable laws and regulations. If you do not accept these terms, you must immediately discontinue your use of our website and services.

User Obligations

As a user of our platform, you agree to use our services in a lawful and responsible manner. You shall not engage in any activity that could harm, disrupt, or interfere with our website’s functionality or other users’ experiences. You agree not to attempt unauthorized access, reverse engineer our content, or engage in any form of data scraping or misuse. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You shall comply with all applicable Malaysian laws and regulations when using our educational resources. Any violation of these user obligations may result in immediate suspension or termination of your access to our services without prior notice.

Intellectual Property Rights

All content, materials, and resources available on our website, including but not limited to text, graphics, educational guides, diversification frameworks, and investment information, are the exclusive property of our organization or our content licensors. These materials are protected by copyright and intellectual property laws. You are granted a limited, non-exclusive, and non-transferable license to view and use this content for personal, educational purposes only. You may not reproduce, distribute, transmit, modify, or create derivative works from our content without explicit written permission. Any unauthorized use of our intellectual property is strictly prohibited and may result in legal action. We respect the intellectual property rights of others and expect all users to do the same.

Limitation of Liability

Our website and services are provided on an “as is” basis without any warranties, express or implied. We do not guarantee the accuracy, completeness, or timeliness of any educational content, investment information, or recommendations provided. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use our services. Our liability is limited to the amount you have paid to us, if applicable. We are not responsible for any financial losses, investment decisions, or outcomes resulting from the use of our educational materials. You acknowledge that investment decisions should be made in consultation with qualified financial advisors familiar with your personal circumstances and the Malaysian regulatory environment.

Termination of Service

We reserve the right to terminate or suspend your access to our services at any time, for any reason, without prior notice or liability. This includes situations where you violate these Terms of Service, engage in unlawful activity, or use our platform in ways that we determine to be harmful or inappropriate. Upon termination, your right to use our website and access our educational content immediately ceases. You remain responsible for any obligations incurred prior to termination. We may also discontinue our services or modify their availability without notice. Any termination shall not affect the survival of provisions regarding intellectual property rights, limitation of liability, and indemnification, which shall continue in effect indefinitely.