Terms and Conditions

1. Acceptance of Terms

By accessing and using the Financial Games Malaysia Inc. website ("Website"), you accept and agree to be bound by the terms and provisions of this agreement. In addition, when using the Website's particular services, you shall be subject to any posted guidelines or rules applicable to such services.

2. Description of Service

Financial Games Malaysia Inc. provides users with access to financial education games and related information ("Service"). The Service is subject to the terms and conditions of this agreement. You understand and agree that the Service may include advertisements and that these advertisements are necessary for Financial Games Malaysia Inc. to provide the Service.

3. Access and Use of the Website

By using our Website, you warrant that:

• You are at least 18 years of age
• You possess the legal authority, right, and freedom to enter into these Terms and to form a binding agreement
• You will use the Website in accordance with these Terms

We reserve the right to:

• Monitor the use of our Website
• Suspend, restrict, or terminate your access to our Website at any time without notice if we believe you are in breach of these Terms
• Take appropriate legal action against any illegal or unauthorized use of our Website

4. Intellectual Property

The Website and all of its Content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by the Company, its licensors, or other providers of such material and are protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your Web browser for display enhancement purposes
• You may print one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution

5. Products and Services

All financial games and related products and services offered through our Website are intended for educational purposes only. Our games are designed to teach financial concepts and develop financial literacy skills.

We do not guarantee any specific outcomes, financial or otherwise, from the use of our products and services. The educational benefits derived from our products and services may vary depending on individual circumstances.

All orders placed through our Website are subject to acceptance and availability. We reserve the right to refuse any order you place with us. We may, at our discretion, limit or cancel quantities purchased per person, per household, or per order.

6. Payment Terms

All prices listed on our Website are in Canadian Dollars (CAD) unless otherwise specified. Prices are subject to change without notice.

Payment must be made in full at the time of ordering. We accept payment via the methods specified on our Website.

By providing a payment method, you represent and warrant that you are authorized to use the designated payment method and that you authorize us to charge your payment method for the total amount of your order (including any applicable taxes and other charges).

7. Shipping and Delivery

We will make reasonable efforts to deliver products within the estimated delivery times indicated on our Website. However, delivery times are not guaranteed, and delays may occur due to factors beyond our control.

Risk of loss and title for items purchased from our Website pass to you upon delivery of the items to the shipping carrier.

8. Returns and Refunds

Our return and refund policy is detailed separately and is incorporated by reference into these Terms and Conditions. Please refer to our Return and Refund Policy on our Website for more information.

9. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall the Company, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Website, any websites linked to it, any content on the Website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

10. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions or your use of the Website, including, but not limited to, any use of the Website's content, services, and products other than as expressly authorized in these Terms and Conditions.

11. Governing Law and Jurisdiction

These Terms and Conditions and your use of the Website shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law principles.

Any legal action or proceeding relating to your access to, or use of, the Website or these Terms and Conditions shall be instituted in the courts of the Province of Ontario. You and the Company agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.

12. Changes to These Terms and Conditions

We reserve the right to make changes to these Terms and Conditions at any time. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter.

Your continued use of the Website following the posting of revised Terms and Conditions means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

13. Contact Information

Questions or comments about the Website or these Terms & Conditions may be directed to Financial Games Malaysia Inc. by emailing [email protected] or by writing to: