Terms and Conditions

Last updated: 02 October 2026

Who Operates the Site and Acceptance of the Terms

edufluxly operates this informational website focused on Insurance Programming from its base 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 leave the site immediately. Continued use after any update constitutes acceptance of the revised terms.

Eligibility and Permitted Use

The site is intended for residents of Malaysia and other jurisdictions where access is lawful. You must be at least eighteen years old to use the site. You may view content for personal non-commercial information only. You may not copy redistribute or create derivative works without prior written consent from edufluxly.

Prohibited Conduct

You must not attempt to gain unauthorised access interfere with the site transmit malware post defamatory material or engage in any activity that could harm the site or its users. Automated scraping or data mining is strictly forbidden unless expressly permitted in writing.

Accounts Submissions or User Content

Although the site does not require user accounts for basic browsing the blog feature allows comments and submissions. By posting you grant edufluxly a non-exclusive royalty-free licence to use display and distribute your content. You remain responsible for ensuring your submissions do not infringe third-party rights or violate any law.

Ownership of Site Content Trademarks and Permitted Limited Use

All text graphics logos and other materials on the site are owned by edufluxly or its licensors. You may print or download limited portions for personal reference only. Any other use including commercial reproduction requires prior written permission. Trademarks must not be used without authorisation.

Third-Party Services and Links

The site may contain links to external resources or services. These links are provided for convenience only and do not constitute endorsement. edufluxly has no control over and accepts no liability for the content or practices of third-party sites.

Availability Changes Suspension and Termination

edufluxly strives to keep the site available but does not guarantee uninterrupted access. We may modify suspend or terminate any part of the site at any time without notice. You may stop using the site at any time.

Disclaimers

The site provides general information on Insurance Programming and is not a substitute for professional advice. Content is provided on an as-is basis. To the extent permitted by Malaysian law all warranties are excluded.

Limitation of Liability

edufluxly its directors and employees shall not be liable for any indirect incidental or consequential loss arising from use of the site. This limitation does not exclude liability for death personal injury or fraud where such exclusion is prohibited by Malaysian consumer protection legislation.

Indemnity

You agree to indemnify and hold harmless edufluxly against any claims losses or expenses arising from your breach of these terms or your use of the site.

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. Nothing in these terms affects your statutory rights under the Consumer Protection Act 1999 or other applicable Malaysian legislation.

Severability Waiver Changes Contact Route and Last-Updated Date

If any provision is found invalid the remainder continues in force. Failure to enforce any term does not constitute a waiver. edufluxly may update these terms periodically. Contact us via the form on the Contacts page or using [email protected] 03-2058 3000 or Wisma Chubb, 38 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia. The current version was last updated on 02 October 2026.