Terms and Conditions for savithoray.pro Use
These terms govern your use of savithoray.pro and ensure a respectful and lawful experience for all Malaysian visitors. Please read carefully before using our blog.
Last revised January 1, 2026
Acceptance of Terms
By accessing or using savithoray.pro, you agree to comply with these terms and any policies referenced herein. If you do not agree, you should not use the website or its content.
Key Definitions
Clarifying important terms used throughout these conditions:
"User" means any visitor accessing savithoray.pro for information, updates, or participation.
"Content" includes articles, commentary, and resources on financial literacy but excludes external links.
"Personal data" refers to any information related to an identifiable person collected on this site.
"Services" comprise blog posts, comment features, and subscription functionalities.
Permitted Use of Services
You may use this website for personal, informational, and non-commercial purposes only. Misuse or unauthorized activity is strictly prohibited.
User Eligibility
The blog is intended for individuals 18 years and older, or with supervising adult consent for those under 18, in line with Malaysian laws.
18+ or parental guidance advised.
User Responsibilities
By participating on savithoray.pro, you agree to:
Prohibited Activities
The following uses are not allowed:
Intellectual Property Rights
All content on savithoray.pro is the property of its authors or licensed parties. No copying, redistribution, or use beyond fair personal review will be tolerated.
Submitted Content
Any content you submit—such as comments—must be lawful and respectful.
Rights Regarding User Content
We reserve the right to moderate, remove, or edit any user content that violates these terms or Malaysian law.
Privacy and Data Handling
See our Privacy Policy for information on how your data is handled and your choices. By using this blog, you acknowledge and accept those policies.
Read our Privacy PolicyLegal Disclaimer
All content is for informational purposes only and not specific financial advice.
Important Notice
Results may vary. We do not guarantee outcomes or offer refunds for using tips from this blog.
Limitations of Liability
The authors and savithoray.pro are not liable for any direct or indirect loss arising from the use of this site.
Indemnity
Users agree to hold savithoray.pro harmless from claims due to improper site use.
Resolving Disputes
Efforts will be made to resolve disputes in good faith before any legal action is taken.
Arbitration
Where required, disputes may be settled via binding arbitration in Malaysia in accordance with local law.
Arbitration does not limit statutory rights.
Online Dispute Resolution Platform
Malaysian users may access online mediation platforms for further assistance with disputes.
Learn about dispute options hereSeverability
If any section is ruled unlawful, the rest of the terms remain effective.
Entire Agreement Scope
This document covers all terms of use, superseding earlier versions or oral statements.
Applicable Law in Malaysia
These terms are governed by and construed in line with Malaysian law.
Account Termination
We may suspend or terminate your access for violation of these terms or unlawful conduct.
Changes to Terms
We may revise these terms at any time. Continued use implies acceptance of modified terms.
Contact for Legal or General Questions
Reach us for queries or issues regarding these terms:
Email Address: content@savithoray.pro
Phone Number: +6014-347 3057
Office Address: 10100, Jalan Dr Lim Chwee Leong, George Town, Penang Malaysia
Effective From: January 1, 2026
Version: 1.0