Last Updated: June 25, 2025

1. Introduction

These Terms and Conditions ("Terms") govern your use of the BrightFinance MY website and services. By accessing our website or using our services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access our website or use our services.

2. Use of Services

Our services are designed to provide general financial awareness information. The information we provide is not intended as professional advice. We offer:

• General financial assessments
• Budget analysis
• Risk evaluation
• Financial awareness consulting

The information provided through our services is for general information purposes only and should not be relied upon as a substitute for professional advice.

3. User Obligations

When using our services, you agree to:

• Provide accurate and complete information
• Use our services only for lawful purposes
• Not use our services for any illegal or unauthorized purpose
• Not attempt to interfere with the proper working of our website
• Not attempt to gain unauthorized access to our systems

4. Intellectual Property

The content on our website, including text, graphics, logos, images, and software, is the property of BrightFinance MY and is protected by Malaysian and international copyright laws. Our content may not be reproduced, modified, or distributed without our prior written consent.

5. Limitation of Liability

BrightFinance MY shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of our website or services. We do not guarantee the accuracy, completeness, or usefulness of any information on our website or through our services.

6. Indemnification

You agree to indemnify and hold harmless BrightFinance MY and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of our website or services.

7. Third-Party Links

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

8. Modifications

We reserve the right to modify or replace these Terms at any time. By continuing to access or use our website after any revisions become effective, you agree to be bound by the revised Terms.

9. Governing Law

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

10. Contact Us

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

• By email: [email protected]
• By phone: +60 3-2245-1930
• By mail: 9 Jalan KL Sentral, 50470 Kuala Lumpur, Malaysia