Terms of Service

These Terms of Service govern your use of Stabila Policy and its services. By accessing and using our website, you agree to be bound by these terms. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Acceptance of Terms

By accessing our website and resources, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide comprehensive information regarding monetary policy fundamentals, Bank Negara Malaysia’s role in economic stability, and related financial concepts. Your use of our platform indicates your acceptance of all terms outlined herein.

If you do not agree with any part of these terms, you must immediately cease using our services. We maintain the right to refuse service to anyone who violates these terms or engages in prohibited conduct. Your access to our resources is a privilege, not a right, and we exercise complete discretion in determining eligibility.

User Obligations

As a user of our platform, you agree to use our services only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behavior includes harassment, causing damage to or degradation of materials, transmitting obscene or offensive content, or disrupting normal workflow within our platform.

• You must not use our services for commercial purposes without prior written consent
• You agree not to reproduce, duplicate, or copy content from our platform for resale
• You will not attempt to gain unauthorized access to our systems or networks
• You acknowledge responsibility for maintaining the confidentiality of your account information

Intellectual Property Rights

All content on our platform, including text, graphics, logos, images, and software, is the property of Stabila Policy or our content licensors and is protected by international copyright laws. We grant you a limited, non-exclusive, non-transferable license to access and view our materials for personal, non-commercial use only.

You may not modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, or sell any information, software, or services obtained from our platform. Unauthorized reproduction or distribution of our content constitutes copyright infringement and may result in legal action. We actively protect our intellectual property and enforce our rights against infringement.

Limitation of Liability

Our services and all information provided are offered on an “as-is” basis without warranties of any kind. We disclaim all express and implied warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, timely, secure, or error-free.

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, or data, arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages. Our total liability shall not exceed the amount you have paid to us in the twelve months preceding the claim.

Termination of Service

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and without prior notice or liability. Grounds for termination include, but are not limited to, violation of these terms, illegal activity, abuse of our systems, or any conduct we deem inappropriate or harmful to our community.

Upon termination, your right to use our services immediately ceases. We are not obligated to retain any content or data associated with your account after termination. Termination does not relieve you of any obligations or liabilities incurred prior to the termination date. Sections regarding intellectual property, limitation of liability, and indemnification shall survive termination of these terms.

We may update these Terms of Service from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Your continued use of our services following any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically to remain informed of any updates.