Terms and Conditions

Last updated: 29/09/2026.

Who Operates the Site and Acceptance of the Terms

techzoply operates this informational website focused on Insurance Programming from Malaysia. By accessing or using any part of the site you accept these terms in full. If you do not agree you must stop using the site immediately. These terms form a binding agreement under Malaysian contract law between you and techzoply.

Eligibility and Permitted Use

The site is intended for adults residing in Malaysia and other jurisdictions where access is lawful. You may browse articles and resources for personal educational purposes only. Commercial reproduction or systematic scraping is not permitted. You must comply with all applicable Malaysian laws including the Communications and Multimedia Act 1998 when interacting with the site.

Prohibited Conduct

Users must not post defamatory material, attempt to gain unauthorised access, distribute malware, or engage in any activity that disrupts site operations. Violations may result in immediate access termination and referral to Malaysian authorities where criminal conduct is suspected. Insurance Programming content is provided for information only and must never be treated as professional advice.

Blog Submissions and User Content

The blog feature allows registered visitors to submit comments and articles subject to moderation. By submitting content you grant techzoply a perpetual royalty-free licence to publish and archive it. You remain responsible for ensuring submitted material does not infringe third-party rights or breach Malaysian law. techzoply may remove any submission without notice.

Ownership of Site Content and Trademarks

All original text, graphics and code on the site are owned by techzoply or its licensors. You may quote short excerpts for non-commercial criticism or review provided you credit the source. Trademarks belonging to techzoply may not be used without prior written consent. Third-party logos appearing on the site remain the property of their respective owners.

Third-Party Services and Links

The site may contain links to external insurance-related resources. These links are provided for convenience and do not constitute endorsement. techzoply accepts no liability for the accuracy or practices of third-party sites. Any interaction with external services is at your own risk and subject to their separate terms.

Availability, Changes, Suspension and Termination

techzoply aims to keep the site available but does not guarantee uninterrupted access. We may suspend or terminate the site or any user account at any time without liability. Material changes to these terms will be posted with a revised date. Continued use after changes constitutes acceptance of the updated version.

Disclaimers Subject to Mandatory Consumer Law

While every effort is made to ensure accuracy, Insurance Programming information is provided on an as-is basis. To the extent permitted by the Consumer Protection Act 1999 of Malaysia, techzoply excludes all warranties. Nothing in these terms excludes liability for death, personal injury caused by negligence, or any other non-excludable statutory right.

Limitation of Liability

Subject to the preceding paragraph, techzoply and its contributors shall not be liable for any indirect, incidental or consequential loss arising from use of the site. Total liability for any claim shall not exceed the amount paid by you to access the site, which is zero as the service is non-commercial and free.

Indemnity

You agree to indemnify techzoply against any claims, losses or expenses arising from your breach of these terms or from content you submit. This indemnity survives termination of your access to the site.

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. Nothing prevents Malaysian consumers from pursuing rights under the Tribunal for Consumer Claims or other statutory remedies.

Severability, Waiver, Changes and Contact

If any provision is found unenforceable the remainder continues in force. Failure to enforce any term does not constitute a waiver. techzoply may update these terms at any time. For questions contact us via the form on the Contacts page or by writing to Unit 2-1, The Podium, Tower 3, UOA Business Park, No. 1, Jalan Pengaturcara U1/51A, Seksyen U1, Shah Alam 40150 Selangor, Malaysia, telephoning 03-2935 9948 or emailing [email protected]. The footer also displays © 2026 techzoply.