Terms & Conditions

⚠️ Legal Review Required: This document is a working template. It must be reviewed and approved by a qualified lawyer before the website goes live. All [PLACEHOLDER] sections must be completed before legal review. Do not publish without written legal sign-off.

Effective Date: [PLACEHOLDER — set when ready to publish]
Last Updated: [PLACEHOLDER]

1. Acceptance of Terms

By accessing or using the BizPal website at [PLACEHOLDER — domain] or the CapitalOS platform, you agree to be bound by these Terms & Conditions. If you do not agree, do not use our website or services.

2. About BizPal

BizPal Group Sdn Bhd is a company incorporated in Malaysia [PLACEHOLDER — company registration number]. We operate the BizPal website and the CapitalOS platform, which support SMEs in building capital readiness.

3. Use of the Website

You agree to use our website only for lawful purposes and in accordance with these terms. You must not:

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorised access to any part of our systems
  • Transmit any unsolicited commercial communications
  • [PLACEHOLDER — add any platform-specific restrictions]

4. Intellectual Property

All content on the BizPal website — including text, graphics, logos, and the CapitalOS platform — is owned by or licensed to BizPal Group Sdn Bhd. You may not reproduce, distribute, or create derivative works without our written consent.

5. Programme Enrolment and Payments

[PLACEHOLDER — Wayne / Legal to draft: payment terms, cancellation policy, HRDC claim conditions, refund policy, programme delivery obligations. This section is critical for the programmes and must be legally reviewed before publication.]

6. CapitalOS Platform Access

CapitalOS access is granted as part of specific programme enrolments and is subject to the programme agreement. Access is personal and non-transferable.

[PLACEHOLDER — add full platform terms when available.]

7. Limitation of Liability

To the extent permitted by law, BizPal shall not be liable for any indirect, incidental, or consequential loss arising from your use of our website or services.

[PLACEHOLDER — Legal to expand this section appropriately to reflect Malaysian law and BizPal's specific circumstances.]

8. Governing Law

These terms are governed by the laws of Malaysia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia.

9. Changes to These Terms

We reserve the right to update these Terms & Conditions at any time. Changes will be posted on this page. Continued use of our website constitutes acceptance of the updated terms.

10. Contact Us

For questions about these terms: [PLACEHOLDER — legal contact email]