Terms of Use

By accessing and using the kalvirexxagency budgeting platform and related services available at kalvirexxagency.sbs, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and kalvirexxagency, a financial education company operating in Malaysia.

If you do not agree with any part of these terms, you must immediately discontinue use of our services. Your continued use of the platform after any modifications to these terms constitutes acceptance of those changes.

kalvirexxagency provides comprehensive budgeting education and financial literacy services designed to help users develop practical money management skills. Our platform includes educational content, interactive tools, webinars, and learning programs focused on personal finance management.

We offer various service tiers and educational resources, all designed to support your journey toward better financial understanding and budgeting proficiency. Our services are educational in nature and do not constitute financial advice or investment recommendations.

To use our services, you must be at least 18 years old and have the legal capacity to enter into binding agreements. Users under 18 may access our services only with parental consent and supervision.

• You must provide accurate and complete information during account registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized access to your account
• Only one account per person is permitted unless otherwise approved
• You must comply with all applicable laws and regulations in your jurisdiction

Users must conduct themselves professionally and respectfully when using our platform. The following activities are strictly prohibited:

1. Sharing false, misleading, or fraudulent information
2. Attempting to gain unauthorized access to our systems or other user accounts
3. Using our services for any illegal activities or purposes
4. Harassing, threatening, or abusing other users or our staff
5. Distributing spam, malware, or other harmful content
6. Copying, reproducing, or distributing our proprietary content without permission
7. Interfering with the normal operation of our platform
8. Creating multiple accounts to circumvent restrictions or policies

All content, materials, and resources available through our platform are protected by intellectual property laws. This includes but is not limited to text, graphics, logos, images, audio clips, digital downloads, and software.

kalvirexxagency retains all rights, title, and interest in our proprietary content. Users are granted a limited, non-exclusive license to access and use our materials for personal educational purposes only.

Certain services on our platform require payment. All fees are clearly displayed before purchase, and payment is required in advance for premium services and learning programs.

• All payments are processed securely through approved payment processors
• Subscription fees are billed according to your chosen billing cycle
• Refunds are available within 30 days of purchase for unopened digital products
• Completed courses and accessed content are generally non-refundable
• We reserve the right to modify pricing with appropriate notice

We take your privacy seriously and are committed to protecting your personal information. Our data collection and usage practices are detailed in our Privacy Policy, which forms an integral part of these Terms of Use.

By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy. We implement appropriate security measures to protect your data but cannot guarantee absolute security.

While we strive to provide accurate and helpful financial education, our services are provided "as is" without any warranties, express or implied. We make no guarantees about the completeness, accuracy, or reliability of our content.

kalvirexxagency's liability is limited to the maximum extent permitted by law. We shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Either party may terminate this agreement at any time. You may close your account by contacting our support team. We reserve the right to suspend or terminate accounts that violate these terms.

Upon termination, your access to paid services will continue until the end of your current billing period. We may retain certain information as required by law or for legitimate business purposes.

These Terms of Use are governed by the laws of Malaysia. Any disputes arising from these terms or your use of our services will be resolved through good faith negotiations first.

If negotiations fail, disputes will be subject to the exclusive jurisdiction of the courts in Johor Bahru, Malaysia. Both parties agree to submit to the personal jurisdiction of these courts.

We reserve the right to modify these Terms of Use at any time. Significant changes will be communicated through email or prominent notices on our platform. Your continued use after changes constitutes acceptance of the modified terms.

We encourage users to review these terms periodically to stay informed of any updates or modifications.