Terms of Service

1. Acceptance of Terms

By accessing and using Qiubbx Services, you accept and agree to be bound by the terms and provision of this agreement. These Terms apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Qiubbx provides technology solutions including but not limited to:

• Financial technology and payment processing services
• Digital marketplace platforms
• E-commerce solutions
• Business management tools
• Customer relationship management systems
• Data analytics and reporting services
• Integration services with third-party platforms
• Technical support and consulting services

3. User Accounts

Account Creation

To access certain features of our Services, you may be required to create an account. You must provide accurate, complete, and current information during the registration process and keep your account information updated.

Account Responsibilities

You are responsible for:

• Safeguarding the password and all activities that occur under your account
• Notifying Qiubbx immediately of any unauthorized use of your account
• Ensuring that you exit from your account at the end of each session
• All activities that occur under your account

4. Acceptable Use Policy

You agree not to use the Services to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Transmit harmful, threatening, abusive, or defamatory material
• Upload or distribute viruses or other malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use the services for any fraudulent or illegal purpose
• Impersonate any person or entity
• Collect or store personal information about other users
• Engage in spamming or other abusive practices

5. Intellectual Property Rights

Our Intellectual Property

The Services and their original content, features, and functionality are and will remain the exclusive property of Qiubbx Technologies (M) SDN BHD and its licensors. The Services are protected by copyright, trademark, and other laws.

User Content

By posting content to the Services, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, display, and distribute your content in connection with the Services.

6. Payment Terms

For paid services, you agree to pay all fees and charges associated with your account on time. All fees are non-refundable unless otherwise specified in writing.

• Payment is due at the time of purchase
• Qiubbx may change pricing at any time with notice
• Late payments may result in service suspension
• You are responsible for all taxes associated with your purchases

7. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms.

Upon termination, your right to use the Services will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

8. Disclaimers and Limitations of Liability

Service Availability

The Services are provided on an "as is" and "as available" basis. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free.

Limitation of Liability

In no event shall Qiubbx Technologies (M) SDN BHD, its directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services.

9. Indemnification

You agree to defend, indemnify, and hold harmless Qiubbx Technologies (M) SDN BHD and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses arising from your use of and access to the Services.

10. Governing Law and Jurisdiction

These Terms shall be interpreted and governed by the laws of Malaysia, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

11. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Services shall be resolved through:

• Good faith negotiations between the parties
• Mediation by a neutral third party
• Arbitration in accordance with Malaysian law
• Court proceedings as a last resort

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and Qiubbx Technologies (M) SDN BHD regarding the use of the Services and supersede all prior agreements and understandings.

15. Contact Information

If you have any questions about these Terms, please contact us: