Terms and Conditions

Last updated: 1 October 2026.

Who Operates the Site and Acceptance of the Terms

coursepathry operates this non-commercial informational website focused on insurance programming topics relevant to users in Malaysia. By accessing or using any part of the site you agree to be bound by these terms and conditions. If you do not agree you must stop using the site immediately. Continued use after any update constitutes acceptance of the revised terms.

Eligibility and Permitted Use

The site is intended for residents of Malaysia who are at least eighteen years old. You may browse the informational content for personal educational purposes only. Commercial reproduction or redistribution of any material is not permitted. You must comply with all applicable Malaysian laws when using the site.

Prohibited Conduct

Users must not attempt to interfere with the site security or functionality. Prohibited actions include uploading malicious code, scraping content at scale, impersonating others, or posting material that is defamatory, illegal or infringes third-party rights. Violations may result in immediate denial of access and reporting to relevant authorities.

Accounts, Submissions or User Content

Although the site does not require accounts for basic browsing, the enabled blog allows limited submissions such as comments on articles. Any content you submit must be original or properly attributed. coursepathry reserves the right to moderate, edit or remove submissions that breach these terms. You retain ownership of your submissions but grant coursepathry a non-exclusive licence to display and archive them.

Ownership of Site Content, Trademarks and Permitted Limited Use

All original content on the site including articles, guides and programming examples is owned by coursepathry or its licensors. Trademarks and logos remain the property of their respective owners. You may quote short excerpts for non-commercial personal reference provided you include appropriate attribution and do not alter the meaning.

Third-Party Services and Links

The site may reference or link to external resources including insurance tools or programming libraries. These links are provided for convenience only. coursepathry does not endorse, control or guarantee the accuracy, security or availability of any third-party service. Users access such resources at their own risk.

Availability, Changes, Suspension and Termination

The site is provided on an as-available basis. coursepathry may modify, suspend or discontinue any part of the site without prior notice. Temporary interruptions for maintenance or updates may occur. Persistent or serious breaches of these terms may lead to permanent termination of access.

Disclaimers Subject to Mandatory Consumer Law

While every effort is made to ensure accuracy, the information on insurance programming is provided for general guidance only and does not constitute professional advice. coursepathry does not warrant that the site will be error-free or uninterrupted. Nothing in these terms excludes any rights that cannot be excluded under Malaysian consumer protection legislation.

Limitation of Liability

To the maximum extent permitted by Malaysian law, coursepathry and its contributors shall not be liable for any indirect, incidental or consequential damages arising from use of the site. Direct liability is limited to the amount you have paid to access the site, which is zero given its non-commercial nature. This limitation does not affect non-excludable statutory rights.

Indemnity

You agree to indemnify and hold harmless coursepathry against any claims, losses or expenses arising from your breach of these terms or from content you submit through the blog or contact form.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Malaysia. Any dispute shall be subject to the exclusive jurisdiction of the courts of Malaysia. Consumers retain the right to pursue remedies through the Tribunal for Consumer Claims Malaysia where applicable.

Severability, Waiver, Changes, Contact Route and Last-Updated Date

If any provision of these terms is found invalid the remaining provisions continue in full force. Failure to enforce any right does not constitute a waiver. coursepathry may update these terms periodically. The current version is always available on this page. For questions contact [email protected], +603-2935 9948 or Unit 2-1, The Podium, Tower 3, UOA Business Park, No. 1, Jalan Pengaturcara U1/51A, Seksyen U1, Shah Alam 40150 Selangor, Malaysia.. The footer also contains © 2026 coursepathry.

These terms ensure transparent operation of the informational resource while respecting Malaysian legal requirements for consumer protection and online conduct.