Terms and Conditions

Last updated: 02/10/2026

Introduction and Acceptance of Terms

Welcome to the website operated by skillquestnu. This Terms and Conditions page sets out the rules governing access to and use of the site, which provides informational resources on insurance programming for users in Malaysia. By accessing or using any part of the site you agree to be bound by these terms in full. If you do not accept these terms you must leave the site immediately. The site is non-commercial and informational in nature and does not provide personalised insurance advice or brokerage services.

Site Operator and Contact Information

skillquestnu operates this informational resource from Malaysia. All official communications regarding these terms should be directed to [email protected] or by post to Unit 2-1, The Podium, Tower 3, UOA Business Park, No. 1, Jalan Pengaturcara U1/51A, Seksyen U1, Shah Alam 40150 Selangor, Malaysia. Telephone enquiries may be made using 03-2935 9948. A contact form is also available on the dedicated Contacts page. The site includes a cookie banner that explains tracking technologies used for basic analytics and functionality.

Eligibility and Permitted Use

The site is intended for residents of Malaysia who are at least eighteen years of age. Users must comply with all applicable Malaysian laws when accessing content. Permitted activities include reading articles, browsing the blog, and using the contact form for legitimate enquiries. You may print or download limited portions of pages solely for personal non-commercial reference provided you do not alter or remove any notices.

Prohibited Conduct

Users must not attempt to gain unauthorised access to any part of the site or related systems. Prohibited actions include uploading malicious code, scraping content at scale, impersonating others, or posting material that is defamatory, obscene or infringes third-party rights. Any breach may result in immediate termination of access and referral to relevant Malaysian authorities under the Computer Crimes Act 1997.

User Content, Accounts and Blog Submissions

Although no user accounts are required for basic browsing, the enabled blog allows visitors to submit comments or guest posts subject to moderation. By submitting content you grant skillquestnu a non-exclusive licence to publish and archive it. You remain responsible for the accuracy and legality of your submissions. Offensive or off-topic material will be removed without notice. Customer reviews are not collected or displayed on this site.

Ownership of Content and Intellectual Property

All text, graphics, code and other materials on the site are owned by skillquestnu or its licensors unless otherwise stated. Trademarks appearing on the site remain the property of their respective owners. You may not reproduce, distribute or create derivative works without prior written consent except for the limited personal use described above. Fair dealing under the Copyright Act 1987 of Malaysia is acknowledged where applicable.

Third-Party Services and External Links

The site may contain links to external websites or reference third-party programming tools and insurance platforms. These links are provided for convenience only and do not constitute endorsement. skillquestnu makes no warranties regarding the accuracy, security or availability of any third-party resource and accepts no liability for losses arising from their use.

Availability, Changes, Suspension and Termination

While reasonable efforts are made to keep the site accessible, skillquestnu does not guarantee uninterrupted service. The site may be suspended for maintenance or due to circumstances beyond control. skillquestnu reserves the right to modify, suspend or terminate any part of the site or these terms at any time without prior notice. Continued use after changes constitutes acceptance of the revised terms.

Disclaimers

The information on insurance programming is provided for general educational purposes. It does not constitute legal, financial or professional advice. Users should consult qualified Malaysian professionals before making insurance-related decisions. To the maximum extent permitted by law, skillquestnu excludes all warranties whether express or implied regarding the site content and its suitability for any particular purpose.

Limitation of Liability

Subject to the Consumer Protection Act 1999 and other mandatory Malaysian legislation, skillquestnu and its contributors shall not be liable for any indirect, incidental or consequential loss arising from use of the site. Direct liability is limited to the amount permitted by applicable law. Nothing in these terms excludes liability for death or personal injury caused by negligence or for fraud.

Indemnification

You agree to indemnify and hold harmless skillquestnu, its operators and affiliates from any claims, damages or expenses arising from your breach of these terms or from content you submit to the blog or contact forms.

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, without prejudice to your rights to pursue claims through the Tribunal for Consumer Claims or other statutory mechanisms where applicable. Nothing in these terms affects your statutory rights as a consumer under Malaysian law.

General Provisions

If any provision of these terms is found to be invalid or unenforceable the remaining provisions continue in full force. Failure to enforce any right does not constitute a waiver. skillquestnu may update these terms periodically; the current version will always be posted with the last-updated date. For questions about these terms please use the contact details above or the form on the Contacts page.