Terms and Conditions for ephoranitex.sbs Blog Use
Read these terms carefully to understand how you may use our site and services. Your access means you accept and agree to these conditions.
December 16, 2025
Acceptance of Terms
By using ephoranitex.sbs, you consent to these terms in full. If you disagree, exit the website immediately. Continued use is considered agreement.
Definitions
These terms use the following meanings for clarity.
‘Site’ or ‘ephoranitex.sbs’ refers to the ephoranitex.sbs financial advice blog.
‘User’ means anyone accessing, visiting, subscribing, or providing information to ephoranitex.sbs.
‘Content’ covers articles, insights, and publicly available information on ephoranitex.sbs.
‘Services’ are the features and contact options offered via the site.
Use of Services
You may browse content for personal, lawful, non-commercial use only. Copying, redistributing, or altering is not permitted.
Eligibility
You must be at least 18 years of age or have legal parental consent to use this site.
Parents or guardians are responsible for minors’ activity.
User Responsibilities
Your use of ephoranitex.sbs must be responsible and ethical.
Prohibited Conduct
You must avoid the following actions on this site.
Intellectual Property Rights
All content on ephoranitex.sbs is owned by us or our contributors. You may not reuse, reproduce, or distribute articles or materials from the blog without explicit written permission. Copyright laws apply. Proper credits must be given when sharing permitted content.
Your Content
You can submit comments or feedback that follows our terms and community standards.
Rights and Moderation
Submitted content may be reviewed, removed, or edited at our discretion for compliance or safety reasons.
Privacy Policy Reference
Your data is processed as set out in our privacy policy, in line with Malaysian law. Please review privacy guidelines regularly for changes. For privacy questions, contact us directly.
View Privacy PolicyImportant Disclaimers
Blog content is informational and not personalized advice. Outcomes may differ person to person.
General Warning
Articles are not substitutes for professional consultation. Consider your needs before acting on information.
Liability Limitations Notice
We are not responsible for indirect, consequential, or incidental loss arising from your site use.
Indemnification
You agree to hold ephoranitex.sbs and contributors harmless against claims arising from your site actions.
Dispute Resolution Process
We aim to resolve disputes promptly and amicably. Please contact us for discussion first.
Arbitration
If issues cannot be resolved, parties may agree to confidential arbitration.
Arbitration location will be Kuala Lumpur, Malaysia unless agreed otherwise.
Online Dispute Resolution
Users in the EU can use online dispute mechanisms for cross-border complaints related to digital services.
EU Online Dispute PortalSeverability
Unenforceable provisions do not impact other valid terms. The rest remain effective.
Entire Agreement
These terms, with our policies, make up the full agreement between user and site. Prior understandings are superseded.
Governing Law and Jurisdiction
Malaysian law governs these terms. Disputes will be handled in Malaysian courts.
Termination
ephoranitex.sbs may terminate your access for breach of terms, misconduct, or at its discretion with or without notice.
Changes
We may change these terms at any time. Check back frequently for updates.
Contact and Support Information
Questions about terms? Contact us by phone or email for clarity.
Contact Email: content@ephoranitex.sbs
Contact Phone: +60 5-600 8812
Office Address: Infinity8 MyTOWN, L3-023, Level 3, MyTOWN Shopping Centre, Jalan Cochrane, Kuala Lumpur 55100 Malaysia
Effective Date: December 16, 2025
Version: 2.1