Terms of Service

Acceptance of Terms

These Terms of Service govern your use of NavWise and its services. By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by these terms in their entirety. We reserve the right to modify these terms at any time, and continued use of our services following such modifications constitutes your acceptance of the updated terms. If you do not agree with any aspect of these terms, you must discontinue use of our website immediately.

Our services are provided to help you understand unit trusts, ASNB investments, NAV calculations, and Securities Commission Malaysia regulations. We are committed to providing accurate, educational content to support informed financial decision-making among Malaysian savers and investors.

User Obligations

When using our services, you agree to comply with all applicable laws and regulations. You are solely responsible for ensuring that your use of our website does not violate any local, state, national, or international laws. You shall not engage in any conduct that is unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable in nature.

You agree not to attempt to gain unauthorized access to our systems, disrupt service functionality, or interfere with other users’ experience. Additionally, you will not reproduce, distribute, or transmit our content without express written permission. Your obligations extend to respecting intellectual property rights and maintaining the confidentiality of any account information you may create on our platform.

Intellectual Property Rights

All content, materials, and intellectual property available on our website, including text, graphics, logos, images, audio clips, and software, are the exclusive property of our organization or licensed content providers. These materials are protected by international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to view and use our content solely for personal, educational purposes related to understanding unit trusts, ASNB funds, and investment fundamentals. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, or create derivative works from our content without explicit written consent from our organization.

Limitation of Liability

Our website and services are provided on an “as-is” and “as-available” basis without warranties of any kind, express or implied. We make no representations regarding the accuracy, completeness, reliability, or suitability of the information provided. While we strive to offer educational content about unit trusts, ASNB, NAV calculations, and Securities Commission Malaysia regulations, we do not guarantee that all information is current, correct, or applicable to your specific circumstances.

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services. We are not responsible for investment decisions made based on information from our website. All financial decisions should be made in consultation with qualified financial advisors.

Termination

We reserve the right to terminate, suspend, or restrict your access to our services at any time, with or without cause, and with or without notice. Termination may occur if you violate these terms, engage in unlawful conduct, or for any other reason at our sole discretion. Upon termination, your right to use our services immediately ceases, and all provisions of these terms that by their nature should survive termination shall remain in effect.

Even after termination, certain obligations persist, including protection of our intellectual property rights and limitation of liability. We may also terminate or modify our services entirely without liability to you or any third party. Your continued compliance with these terms extends beyond any termination of service.

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or other operational needs. Your continued use of our website following any updates constitutes acceptance of the revised terms. We encourage you to review this page periodically to stay informed of any changes.