Terms and Conditions for Financial Blog Use

Please review these terms before using our website. We outline your responsibilities, permitted uses, and necessary disclaimers to ensure transparency and compliance with Malaysian laws.

December 15, 2025

Acceptance of Terms

By using our site, you agree to follow these terms. If you do not accept these conditions, kindly refrain from further use.

Definitions

Key terms used throughout these Terms and Conditions are defined below for your clarity.

  • "Site" refers to the thivoranel.pro website in Malaysia.
  • "Content" includes articles, images, blogs, and all information on the site.
  • "User" covers anyone accessing or browsing our content.
  • "Services" means all features and contact channels on this site.

Permissible Site Usage

Use our content for lawful, personal, non-commercial purposes only. Do not misuse or distribute information without consent.

Eligibility

By using our site, you confirm that you are at least 18 years old and capable of following these terms.

Access is for adults only—minors should not use this site.

Your Obligations

All users must contribute to a respectful, lawful environment and protect their account privacy.

  • Provide accurate and up-to-date information if requested.
  • Respect intellectual property and refrain from copying or distributing without our consent.
  • Avoid posting offensive, harmful, or unlawful material.
  • Immediately report suspected misuse or security breaches.

Prohibited Activities

You must not use the site for any harmful or unauthorized actions.

  • Transmitting spam, scams, or unsolicited promotional material.
  • Attempting to breach website security features.
  • Impersonating others or misrepresenting your affiliation.
  • Distributing viruses, malware, or harmful code.
  • Violating laws or infringing upon others’ rights.

Intellectual Property Rights

All content, trademarks, and logos on this site are protected by law. You may not copy, modify, or use our materials without explicit permission.

User-Shared Content

Any posts, messages, or feedback you share may be published. Avoid sharing confidential or sensitive information.

Rights to Submitted Content:

By submitting content, you grant us permission to use it on our site and in communications.

Your Privacy Rights

Your privacy is important. Read our Privacy Policy to understand how your information is managed and protected. Privacy Policy

Important Disclaimers

Read our disclaimers to understand limits of liability and scope of the advice given on this site.

General Notice:

Content is for informational purposes only. Consult professional advisors for personalized financial guidance.

Limitation of Liability

We do our best but can’t guarantee accuracy or specific outcomes. Use information at your own discretion.

Indemnification

You agree to defend and hold thivoranel.pro and its representatives harmless from claims related to your use of the site.

Resolving Disputes

Disagreements will follow Malaysian law and be handled through mediation or suitable channels.

Arbitration

Where appropriate, arbitration will be governed by relevant Malaysian regulations.

You may request written documentation for any resolution.

Online Dispute Resolution

Information about resolving online disputes is available for users.

Read our Disclaimer: Read our Disclaimer

Applicable Laws and Jurisdiction

These terms are governed by Malaysian law. Any disputes are to be resolved within this jurisdiction.

Termination

We reserve the right to end or restrict site access if these terms are violated.

Changes

These terms may be revised at any time. Check this page to stay informed.

Severability

If any part of these terms is found unenforceable, the rest will remain effective.

Entire Agreement

These Terms and Conditions, along with referenced policies, constitute the entire agreement between us.

Contact for Inquiries

For questions about these terms, use the details below to reach out.

Email Address: content@thivoranel.pro

Phone Number: +60 82-095 6094

Office Address: Infinity8 Medini Iskandar, Unit 02-02, Level 2, CIMB Leadership Academy, Jalan Medini Utama 1, Iskandar Puteri, Johor 79200 Malaysia

Effective Date: December 15, 2025

Version: 1.2