Terms of Service

Last updated: March 9, 2026

These Terms of Service govern your use of BudgetWise Malaysia and its services. By accessing and using our website, you agree to be bound by these terms and conditions. We provide educational resources on federal budget structure, fiscal policy fundamentals, and Malaysian government finance to help you understand revenue versus expenditure breakdown, development expenditure allocation, operating expenditure categories, and national debt-to-GDP ratio interpretation.

Acceptance of Terms

Your access to and use of our website constitutes your acceptance of these Terms of Service. If you do not agree with any part of these terms, please refrain from using our website. We reserve the right to modify these terms at any time without prior notice. Your continued use of the website following any changes indicates your acceptance of the updated terms. These terms apply to all visitors, users, and anyone else who accesses or uses our website, regardless of the purpose or extent of their interaction with our content and services.

User Obligations

As a user of our website, you agree to use the site only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Specifically, you agree not to harass, cause damage to, or distress any person in connection with their use of our website. You must not transmit obscene or offensive content or disrupt the normal flow of dialogue within our website. We expect all users to engage respectfully with our educational materials on Malaysian federal budget and fiscal policy matters.

Intellectual Property Rights

All content provided on our website, including text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of our organization or its content suppliers and is protected by international copyright laws. We grant you a limited license to access and use our website for personal, non-commercial educational purposes only. You may not reproduce, distribute, transmit, or adapt any content without our express written permission. All information regarding federal budget structure, fiscal policy analysis, and government expenditure data remains our intellectual property unless otherwise stated.

Limitation of Liability

Our website and the information contained therein are provided on an as-is basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted or error-free, or that any defects will be corrected. We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use our website or the information provided. This includes damages related to your reliance on educational content about Malaysian budget, fiscal policy, or economic data, even if we have been advised of the possibility of such damages.

Termination

We reserve the right to terminate or restrict your access to our website at any time, with or without cause, and with or without notice. Termination may occur if you violate any provision of these Terms of Service or engage in conduct that we deem harmful to other users or our website. Upon termination, your right to use the website immediately ceases. Any provisions that by their nature should survive termination shall remain in effect, including intellectual property rights, limitation of liability, and dispute resolution clauses. We may archive or delete your user information following termination of access.