Terms and Conditions

Last updated: 29 September 2026

Who Operates the Site and Acceptance of These Terms

skillzenup operates this informational website focused on insurance programming topics for users in Malaysia. By accessing or using any part of the site you agree to be bound by these Terms and Conditions. If you do not agree you must stop using the site immediately. Continued use after any update constitutes acceptance of the revised terms.

Eligibility and Permitted Use

The site is intended for individuals and entities located in Malaysia who have reached the age of majority. You may access articles, blog posts and general resources solely for personal non-commercial educational purposes. Commercial reproduction or redistribution requires prior written consent from skillzenup.

Prohibited Conduct

You must not attempt to gain unauthorised access to any part of the site, interfere with its operation, transmit malware, or engage in any activity that violates Malaysian law including the Computer Crimes Act 1997. Scraping, data mining or automated collection of content is prohibited without express permission.

Accounts, Submissions and User Content

Although customer reviews are not enabled, the site accepts limited submissions such as comments on blog posts or enquiries through the contact form. By submitting material you grant skillzenup a non-exclusive licence to display and archive that content. You remain responsible for ensuring your submissions do not infringe third-party rights or contain unlawful material.

Ownership of Site Content, Trademarks and Permitted Limited Use

All original text, graphics and programming-related resources on the site are owned by skillzenup or its licensors. You may quote short excerpts for non-commercial criticism or review provided you attribute the source clearly. Trademarks and logos remain the property of their respective owners and may not be used without authorisation.

Third-Party Services and Links

The site may contain references to external insurance software tools, regulatory bodies or other resources. These references do not constitute endorsement or guarantee of quality. skillzenup is not responsible for the content, availability or practices of any third-party site.

Availability, Changes, Suspension and Termination

skillzenup strives to maintain continuous access but does not guarantee uninterrupted service. The operator reserves the right to modify, suspend or discontinue any section of the site at any time without notice. Repeated or serious breaches of these terms may result in termination of access.

Disclaimers That Remain Subject to Mandatory Consumer Law

The information provided is for general educational purposes only and does not constitute professional insurance, legal or programming advice. While efforts are made to ensure accuracy, skillzenup makes no warranties regarding completeness or suitability for any particular purpose. Nothing in these terms excludes liability that cannot be excluded under the Consumer Protection Act 1999 or other mandatory Malaysian legislation.

Proportionate Limitation of Liability

To the maximum extent permitted by law, skillzenup and its contributors shall not be liable for indirect, incidental or consequential damages arising from use of the site. Direct liability is limited to the amount you paid to access the site, which is zero for this non-commercial resource.

Indemnity

You agree to indemnify and hold harmless skillzenup from claims, losses or expenses arising from your breach of these terms or misuse of site content, except to the extent caused by skillzenup's own negligence.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Malaysia. Any dispute shall be subject to the exclusive jurisdiction of the courts of Malaysia, with Kuala Lumpur as the venue. Consumers retain rights under the Personal Data Protection Act 2010 and Consumer Protection Act 1999 that cannot be waived by contract.

Severability, Waiver, Changes, Contact Route and Last-Updated Date

If any provision is found unenforceable the remaining terms continue in full force. Failure to enforce any right does not constitute a waiver. skillzenup may update these terms periodically; the current version will always display the last-updated date. For questions contact [email protected], +603-7861 8400 or visit the contact form on the site. Written notices may also be sent to No. 638, Level 6, Block B1, Pusat Dagang Setia Jaya (Leisure Commerce Square), No. 9 Jalan PJS 8/9, 46150 Petaling Jaya, Selangor Darul Ehsan, Malaysia.