Terms and Conditions
Last updated: 2 October 2026
Who Operates the Site and Acceptance of the Terms
skillhubry operates this informational website focused on insurance programming topics relevant to 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 stop using the site immediately. These terms constitute a binding agreement under Malaysian law and apply to all visitors, including those accessing the blog or contact form.
Eligibility and Permitted Use
The site is intended for users located in Malaysia who are at least 18 years old. You may access the content for personal, non-commercial informational purposes only. Permitted activities include reading articles, browsing insurance programming resources, and submitting enquiries through the contact form. Any commercial use, reproduction beyond fair dealing, or automated scraping is prohibited without prior written consent from skillhubry.
Prohibited Conduct
Users must not engage in activities that harm the site, its visitors, or third parties. This includes uploading malicious code, attempting to gain unauthorised access, posting defamatory material, or using the site to promote competing insurance programming services. Violations may result in immediate access termination and potential legal action under Malaysian cyber laws and the Communications and Multimedia Act 1998.
Accounts, Submissions, or User Content
Although no user accounts are required for basic browsing, the enabled blog allows comments or submissions subject to moderation. By submitting content, you grant skillhubry a non-exclusive licence to display and archive it. You remain responsible for ensuring submissions do not infringe third-party rights or contain prohibited material. skillhubry reserves the right to remove any content that breaches these terms without notice.
Ownership of Site Content, Trademarks, and Permitted Limited Use
All original content, including articles on insurance programming, is owned by skillhubry or its licensors. Trademarks and logos remain the property of their respective owners. You may quote short excerpts for non-commercial criticism or review under Malaysian copyright exceptions, provided proper attribution is given. Systematic downloading or mirroring of content is not allowed.
Third-Party Services and Links
The site may contain links to external resources on insurance programming or related Malaysian regulatory bodies. These links are provided for convenience only and do not constitute endorsement. skillhubry is not responsible for the accuracy, availability, or privacy practices of third-party sites. Users should review external terms independently before engaging with any linked services.
Availability, Changes, Suspension, and Termination
skillhubry strives to maintain continuous access but does not guarantee uninterrupted availability. The site may be suspended for maintenance, updates, or legal compliance reasons. skillhubry may modify, suspend, or terminate access at its discretion. Continued use after changes constitutes acceptance of the revised terms.
Disclaimers That Remain Subject to Mandatory Consumer Law
The information on this site is provided for general informational purposes and does not constitute professional advice on insurance programming or legal matters. While efforts are made to ensure accuracy, skillhubry makes no warranties regarding completeness or suitability for any particular purpose. Nothing in these terms excludes liability for death, personal injury caused by negligence, or other rights that cannot be limited under Malaysian consumer protection laws such as the Consumer Protection Act 1999.
Limitation of Liability
To the extent permitted by Malaysian law, skillhubry shall not be liable for indirect, incidental, or consequential damages arising from site use, including loss of data or profits. Direct liability is limited to the maximum extent allowed, typically not exceeding amounts recoverable under applicable statutes. This limitation applies even if advised of the possibility of such damages.
Indemnity
You agree to indemnify and hold skillhubry, its operators, and affiliates harmless from claims, losses, or expenses resulting from your breach of these terms or misuse of the site, including any user content submissions. This indemnity survives termination of your access.
Governing Law, Courts, and Consumer Dispute Rights
These terms are governed by the laws of Malaysia. Any disputes shall be resolved in the courts of Kuala Lumpur, subject to your rights to pursue claims through the Tribunal for Consumer Claims Malaysia where applicable. Nothing affects your statutory rights under Malaysian consumer legislation.
Severability, Waiver, Changes, Contact Route, and Last-Updated Date
If any provision is found unenforceable, the remainder continues in full force. Failure to enforce any term does not constitute a waiver. skillhubry may update these terms periodically, with the latest version posted on the site. For questions, contact [email protected] or use the form on the Contacts page. Written correspondence may be sent to Unit 2-1, The Podium, Tower 3, UOA Business Park, No. 1, Jalan Pengaturcara U1/51A, Seksyen U1, Shah Alam 40150 Selangor, Malaysia or by calling 03-2935 9948. This page was last updated on 2 October 2026.