Terms of Service

Acceptance of Terms

These Terms of Service govern your use of PortfolioBalance Asia and its services. By accessing, browsing, or using our website and the resources we provide regarding diversification principles, asset class understanding, and wealth protection strategies, you agree to be bound by these terms. If you do not agree with any part of these terms, you should not use our services. We reserve the right to modify these terms at any time, and your continued use of our website constitutes acceptance of those modifications. Your use of our platform indicates your understanding and acceptance of all provisions outlined herein, including those related to portfolio spread techniques, correlation analysis, and sector allocation fundamentals.

User Obligations

As a user of our website, you agree to comply with all applicable laws and regulations in Malaysia and your jurisdiction. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. We expect users to provide accurate, current, and complete information when accessing our resources. You agree not to engage in any conduct that restricts or inhibits anyone’s use or enjoyment of our website, including harassing, threatening, defaming, or abusing others. Users must not attempt to gain unauthorized access to our systems, disrupt normal operations, or reverse-engineer our content. You are responsible for your own investment decisions and should conduct thorough research before implementing any diversification or asset allocation strategies discussed on our platform.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, videos, and educational materials related to diversification Malaysia and wealth protection, is the property of our organization or our content providers and is protected by international copyright laws. You may view and print materials for personal, non-commercial use only. Unauthorized reproduction, distribution, or transmission of our content is strictly prohibited. You may not modify, translate, or create derivative works based on our materials without explicit written permission. Our trademarks, service marks, and logos are protected and may not be used without authorization. We grant you a limited license to access our website for legitimate educational purposes regarding portfolio spread techniques and asset class understanding. Any other use requires our prior written consent.

Limitation of Liability

We provide information and resources on diversification principles and wealth protection strategies for educational purposes only. We do not provide personalized investment advice, and our content should not be construed as financial or legal guidance. Your use of our website and the information contained herein is at your own risk. To the maximum extent permitted by law, we disclaim all warranties, express or implied, regarding the accuracy, completeness, or reliability of our content. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or reliance on our information. Our total liability to you shall not exceed the amount you paid to access our services. You acknowledge that correlation analysis and sector allocation fundamentals require professional interpretation and should not be applied without proper guidance.

Termination of Service

We reserve the right to terminate or suspend your access to our website at any time and for any reason, including violation of these terms or applicable laws. Upon termination, your right to use our services ceases immediately. You remain responsible for any fees or charges incurred prior to termination. We may also discontinue or modify our services, features, or resources at our discretion without notice. Termination does not relieve you of any obligations incurred before the effective date of termination. If your account is terminated due to violation of these terms, we may retain information related to your use of our platform. We encourage users to back up any important information before termination occurs. Our decision to terminate service is final and not subject to appeal unless required by Malaysian law or applicable regulations.

These terms constitute the entire agreement between you and us regarding your use of our website and supersede all prior negotiations, understandings, and agreements. If any provision is found to be unenforceable, the remaining provisions shall continue in full force and effect. We may update these terms periodically, and your continued use indicates acceptance of changes.