Terms and Conditions for xenovative.sbs Website

These Terms and Conditions govern your use of xenovative.sbs, including all content and features provided. By using this site, you accept and agree to comply with the following terms.

Last updated February 17, 2026

Acceptance of Terms

By accessing or using xenovative.sbs, you indicate your acceptance of these Terms. If you do not agree, please exit the website. Continued use of the site signifies agreement with all policies discussed herein.

Definitions

The following definitions apply throughout these Terms and Conditions to ensure clarity.

• ‘Website’ refers to xenovative.sbs and its operated online content.
• ‘User’ means any person accessing or using any part of the Website.
• ‘Content’ covers text, graphics, posts, and other materials available on the Website.
• ‘Services’ means site features, communication, and informational content.

Acceptable Use of the Website

You agree to use xenovative.sbs only for lawful, informative, and personal purposes consistent with the Website’s focus on financial literacy.

Eligibility

Our Website is intended for users within Malaysia. Users should be at least 18 years old or have appropriate consent from a legal guardian.

Use restricted where prohibited by law.

Your Responsibilities

Users agree to act responsibly when accessing or sharing information. This includes the following responsibilities.

• Use information solely for personal, non-commercial purposes.
• Provide information accurately if submitting contact forms.
• Maintain confidentiality of login or personal data.
• Respect the rights of content creators and other users.

Prohibited Uses

You must not use the Website for any unlawful or harmful purpose.

• Posting defamatory, offensive, or misleading content
• Downloading, distributing, or copying protected materials
• Introducing security threats, such as malware or viruses
• Attempting to access unauthorized website data
• Impersonating others or submitting false information

Intellectual Property Rights

All Website content belongs to xenovative.sbs or its licensors. Reproduction, modification, or distribution is forbidden without permission, unless clearly permitted.

User-Generated Content

User-contributed content must align with the Website’s values and must not violate rights of others.

Privacy Policy Overview

Please review our Privacy Policy to understand our approach to data collection and processing. By using the site, you consent to the Privacy Policy. Read our Privacy Policy

Disclaimers and Limitations

All content is for general informational purposes and does not constitute personalized financial advice.

Limitation of Liability

We are not liable for losses, damages, or consequences from use of this Website or reliance on its content.

Indemnification

Users agree to hold xenovative.sbs harmless from claims, damages, or losses arising from misuse of this Website.

Dispute Resolution

Disputes will be approached with good faith resolution efforts.

Governing Law and Jurisdiction

These Terms and Conditions are governed exclusively by the laws of Malaysia.

Termination

We may terminate or restrict Website access for breach of these Terms or misuse of site features.

Modifications

We reserve the right to change these Terms at any time. Material changes will be posted here or notified by email if appropriate.

Severability

Invalid terms do not affect validity of remaining provisions.

Entire Agreement

These Terms, together with referenced policies, represent the complete agreement between you and xenovative.sbs.

Contact for Terms and Questions

Contact us with any questions about these Terms or your rights.