Terms and Conditions

Last Updated: June 20, 2025

1. Introduction

Welcome to studofalquentys.sbs. These Terms and Conditions ("Terms") govern your use of our website studofalquentys.sbs (the "Site") and the financial education games and related services (collectively, the "Services") offered by studofalquentys.sbs ("we," "our," or "us").

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Services.

2. Use of Our Services

2.1 Eligibility

You must be at least 16 years old to use our Services. By using our Services, you represent and warrant that you meet this requirement.

2.2 Account Responsibility

If you create an account with us, you are responsible for maintaining the security of your account and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security.

2.3 Acceptable Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use our Services in any way that violates any applicable law or regulation
  • Attempt to interfere with the proper working of our Services
  • Bypass any measures we may use to prevent or restrict access to our Services
  • Use our Services for any purpose that is fraudulent or deceptive
  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of our Services

3. Intellectual Property

3.1 Our Content

The content featured or displayed on our Services, including but not limited to text, graphics, data, images, videos, software, and all other content ("Content") is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services and Content for your personal, non-commercial use.

3.2 Restrictions

You may not:

  • Modify, copy, distribute, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any Content from our Services without our prior written consent
  • Use our Services or Content for any commercial purpose without our prior written consent
  • Remove any copyright, trademark, or other proprietary notices from our Content

4. Financial Education Games

4.1 Educational Purpose

Our financial games are designed for educational purposes only. They are intended to help users learn about financial concepts and decision-making in a simulated environment.

4.2 No Financial Advice

The content and features of our financial games do not constitute financial advice, investment advice, or any other type of professional advice. We do not make any recommendations regarding financial products, investments, or financial strategies.

4.3 Simulated Environment

Our financial games operate in a simulated environment that may not accurately reflect real-world financial markets, products, or outcomes. The results, outcomes, or experiences within our games should not be interpreted as predictions or guarantees of similar results in real-world financial activities.

5. Third-Party Links and Content

Our Services may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

6. Disclaimers

Our Services are provided on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

  • Our Services will function uninterrupted, secure, or available at any particular time or location
  • Any errors or defects will be corrected
  • Our Services are free of viruses or other harmful components
  • The results of using our Services will meet your requirements

For more details, please see our Disclaimer.

7. Limitation of Liability

In no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use our Services
  • Any conduct or content of any third party on our Services
  • Any content obtained from our Services
  • Unauthorized access, use, or alteration of your transmissions or content

8. Indemnification

You agree to defend, indemnify, and hold us harmless from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of our Services, your violation of these Terms, or your violation of any rights of another.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on this page and updating the "Last Updated" date at the top of these Terms.

Your continued use of our Services after any such changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using our Services.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in effect.

11. Contact Us

If you have any questions about these Terms, please contact us:

  • By email: [email protected]
  • By phone: +60 3-0711 8301
  • By mail: Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia