Terms of Service
Last updated: March 20, 2026
1. Acceptance of Terms
These Terms of Service govern your use of Futures Fund Academy and its services. By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any such changes. If you do not agree with any portion of these terms, please discontinue use of our website immediately. We are committed to providing accurate information about Malaysian education savings schemes, including SSPN-i, SSPN-i Plus, and education cost planning, but your use of this information is at your own discretion and risk. Your access to our content is provided on an as-is basis without warranties of any kind.
2. User Obligations and Conduct
When using our services, you agree to comply with all applicable laws and regulations in Malaysia and internationally. You are responsible for maintaining the confidentiality of any account information you create and for all activities that occur under your account. We expect all users to engage respectfully with our content and refrain from any unlawful, fraudulent, or harmful conduct. You agree not to attempt to gain unauthorized access to our systems, upload malware, or engage in any activity that disrupts our services. Users must not reproduce, distribute, or transmit our educational content without proper authorization. We monitor user activity to ensure compliance with these obligations and reserve the right to suspend or terminate accounts that violate these terms. Your cooperation in maintaining a safe and respectful online environment helps us serve all users effectively.
3. Intellectual Property Rights
All content on our website, including text, graphics, educational materials, research data, and information about SSPN-i and education savings schemes, is the exclusive property of our organization or licensed partners. This includes original articles about Malaysian education funding, cost analyses, and planning resources. You may view and print content for personal, non-commercial use only. Reproduction, modification, or distribution of our materials without written permission is strictly prohibited. We protect our intellectual property through applicable copyright laws in Malaysia and internationally. Users may not use our branding, logos, or proprietary methodologies without explicit authorization. Any unauthorized use of our intellectual property may result in legal action. We respect third-party intellectual property rights and expect users to do the same when accessing and sharing our educational resources.
4. Limitation of Liability
While we strive to provide accurate and current information about education savings, university fees, and private school costs in Malaysia, we make no warranties regarding the completeness, accuracy, or suitability of our content for your specific circumstances. We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our services or reliance on our information. Education costs and savings schemes may change, and we encourage users to verify information with official government sources and financial advisors. We do not provide personalized financial advice, and users should consult qualified professionals before making education funding decisions. Our liability is limited to the maximum extent permitted by Malaysian law. We are not responsible for third-party content, external links, or information obtained through our platform. Users assume all risks associated with their use of our services.
5. Termination of Access
We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Termination may occur if you violate these terms, engage in unlawful conduct, or if we determine that continued access poses a risk to our services or other users. Upon termination, your right to access our website and content immediately ceases. We may retain certain information in accordance with our data retention policies and applicable laws. Users who have violated these terms may be permanently barred from accessing our services. Termination does not relieve you of any obligations incurred prior to termination. We will not be liable for any loss or inconvenience resulting from suspension or termination of your access. If your access is terminated, you may contact us to understand the reasons and any possible remedies available within our policies.
Questions About These Terms?
If you have questions or concerns about these Terms of Service, we encourage you to review our complete policies. You may also visit our other policy pages for additional information about how we operate and protect user interests. We regularly update our terms to reflect changes in our services and applicable regulations. Your understanding and compliance with these terms help us maintain a trustworthy and professional platform for all users interested in Malaysian education funding and savings solutions.