Nylethira - Master Financial Analysis Fundamentals

1. Acceptance of Terms

By accessing and using Nylethira's website at nylethira.sbs and our financial education services, 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 Nylethira, a financial education platform operating in Malaysia.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Continued use of our platform constitutes acceptance of any updates or modifications to these terms.

These terms apply to all users, including casual visitors, registered members, premium subscribers, and business partners. We reserve the right to modify these terms at any time, with changes becoming effective upon posting to our website.

2. Service Description and Limitations

Nylethira provides educational content focused on financial analysis fundamentals, investment principles, and personal finance management. Our services are designed for educational purposes only and should not be considered as personalized financial advice or investment recommendations.

Educational Nature of Content

All content provided through our platform, including courses, articles, videos, and interactive materials, is intended for general educational purposes. We do not provide individualized financial planning, investment advisory services, or tax advice.

Important Disclaimer: Past performance data and examples used in our educational materials do not guarantee future results. Financial markets involve inherent risks, and you should consult with qualified financial professionals before making investment decisions.

We provide general financial education and analysis techniques
Our content covers fundamental and technical analysis methods
We offer insights into market trends and financial instruments
All examples and case studies are for illustrative purposes only
We do not guarantee specific financial outcomes or returns

3. User Responsibilities and Conduct

As a user of Nylethira's platform, you agree to use our services responsibly and in compliance with all applicable laws and regulations. You are solely responsible for your account security, including maintaining confidential login credentials.

Account Management

You must provide accurate and complete information during registration and keep your account information updated. You are responsible for all activities that occur under your account, whether authorized by you or not.

Prohibited Activities

Sharing or distributing copyrighted content without permission
Attempting to gain unauthorized access to our systems or other users' accounts
Using our platform for illegal activities or fraudulent purposes
Disrupting or interfering with the security or functionality of our services
Creating multiple accounts to circumvent usage limitations
Posting false, misleading, or defamatory content in user forums or comments

We reserve the right to suspend or terminate accounts that violate these terms or engage in activities that we determine, in our sole discretion, to be harmful to our platform or other users.

4. Intellectual Property Rights

All content on Nylethira's platform, including but not limited to text, graphics, videos, audio materials, software, and course materials, is protected by copyright, trademark, and other intellectual property laws. Nylethira or its licensors own all rights to this content.

Intellectual Property includes all proprietary content, educational materials, analytical tools, website design, logos, trademarks, and any derivative works created from our original content.

Permitted Use

You may access and use our content for personal, non-commercial educational purposes only. This includes viewing courses, downloading materials for offline study (where permitted), and participating in discussion forums.

Restrictions

No reproduction or redistribution of content without written permission
No commercial use of our educational materials or methodologies
No reverse engineering of our proprietary analytical tools or software
No creation of derivative works based on our copyrighted content
No removal of copyright notices or proprietary markings

5. Privacy and Data Protection

Nylethira respects your privacy and is committed to protecting your personal information. Our collection, use, and protection of your data is governed by our Privacy Policy, which is incorporated into these terms by reference.

Data Collection and Use

We collect information necessary to provide our educational services, including account details, learning progress, and usage analytics. This information helps us improve our platform and personalize your learning experience.

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security of your data.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy. You have the right to access, correct, or delete your personal information subject to applicable laws.

6. Payment Terms and Refund Policy

Nylethira offers both free and premium educational content. Premium services require payment according to our published pricing structure. All fees are stated in Malaysian Ringgit (MYR) unless otherwise specified.

Subscription Terms

Premium subscriptions are billed on a recurring basis (monthly or annually) and automatically renew unless cancelled. You may cancel your subscription at any time through your account settings, with cancellation taking effect at the end of your current billing period.

Refund Policy

30-day money-back guarantee for new premium subscribers
Refunds processed within 14 business days of approval
No refunds for partially used subscription periods beyond 30 days
Course completion certificates become invalid upon refund processing
Access to premium content terminates immediately upon refund approval

We reserve the right to change our pricing structure with 30 days' notice to existing subscribers. Price changes will not affect your current subscription period but will apply to subsequent renewals.

7. Disclaimers and Limitation of Liability

Nylethira provides educational content "as is" without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or timeliness of our content, nor do we warrant that our services will be uninterrupted or error-free.

Financial Risk Warning: Trading and investing in financial markets involves substantial risk of loss. You should carefully consider your financial situation and risk tolerance before applying any concepts learned through our platform.

Limitation of Liability

To the maximum extent permitted by law, Nylethira shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to financial losses, data loss, or business interruption.

Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you paid to us in the twelve months preceding the claim. Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

8. Governing Law and Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Kuantan, Pahang, Malaysia.

Dispute Resolution Process

Before initiating formal legal proceedings, we encourage users to contact our support team to resolve disputes amicably. Many issues can be resolved through direct communication and good faith negotiation.

If informal resolution is unsuccessful, any legal action must be commenced within one year after the claim arises. You agree to waive any right to a jury trial and to resolve disputes through binding arbitration if required by applicable law.

These terms constitute the entire agreement between you and Nylethira regarding your use of our services and supersede all prior agreements and understandings, whether written or oral.

9. Termination and Account Suspension

Either party may terminate this agreement at any time. You may terminate by closing your account and discontinuing use of our services. We may terminate or suspend your access immediately, with or without notice, for violations of these terms or other conduct we deem harmful.

Effects of Termination

Immediate loss of access to premium content and features
Deletion of account data after 90 days (subject to legal requirements)
Forfeiture of any unused subscription benefits
Continued obligation to pay any outstanding fees
Survival of intellectual property and confidentiality obligations

Upon termination, you must cease all use of our services and delete any downloaded materials. Provisions regarding intellectual property, disclaimers, limitation of liability, and governing law shall survive termination.

10. Miscellaneous Provisions

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision does not constitute a waiver of such right or provision.

Updates and Modifications

We reserve the right to update these terms at any time. Material changes will be communicated through email notification to registered users or prominent notice on our website. Your continued use constitutes acceptance of modified terms.

Contact Information

For questions about these terms or our services, please contact us using the information provided below. We strive to respond to all inquiries within 48 hours during business days.

These terms are binding upon your heirs, successors, and assigns. You may not transfer or assign your rights under these terms without our prior written consent. We may assign our rights and obligations under these terms without restriction.