1. Acceptance of Terms

By accessing and using SMEAcademy.my, you accept and agree to be bound by these Terms of Service. If you disagree with any part of these terms, please do not use our website.

2. Description of Service

SMEAcademy.my provides free business resources, including but not limited to:
Educational guides and tutorials
Business templates
Calculators and tools
Industry insights and case studies
All resources are provided free of charge as part of our CSR initiative.

3. User Conduct

You agree to:
Use our resources for legitimate business purposes
Not resell, redistribute, or commercially exploit our content
Not remove copyright or attribution notices from templates
Not use our resources for illegal activities
Not attempt to hack or disrupt our services

4. Intellectual Property
4.1 Our Content

All content on SMEAcademy.my (guides, templates, tools) is owned by Delyva and Idrisian Ventures and protected by copyright law.

4.2 Your License

We grant you a non-exclusive, non-transferable license to:
Download and use our templates for your business
Customize templates for your needs
Share links to our resources (not the files themselves)

4.3 Restrictions

You may NOT:
Sell or monetize our resources
Claim authorship of our content
Redistribute our resources on other platforms
Remove attribution from templates

5. Disclaimer of Warranties

SMEAcademy.my is provided “as is” without warranties of any kind. We do not guarantee that:
Our resources will meet your specific needs
Our information is always 100% accurate or up-to-date
Our tools will produce error-free results
Our service will be uninterrupted or bug-free

6. Limitation of Liability

To the fullest extent permitted by law, SMEAcademy.my, Delyva, and Idrisian Ventures shall not be liable for:
Business decisions made based on our resources
Financial losses from using our tools or templates
Errors or omissions in our content
Damages from service interruptions

7. Professional Advice Disclaimer

Our resources are educational and informational. They do NOT constitute:
Legal advice – consult a lawyer for legal matters
Accounting advice – consult an accountant for financial matters
Professional advice – consult relevant professionals
Always seek professional advice for critical business decisions.

8. User-Generated Content

If you submit content to us (feedback, suggestions, comments):
You grant us a license to use and incorporate your suggestions
You represent that your content doesn’t violate any rights
We reserve the right to moderate or remove content

9. Third-Party Links

Our website may contain links to third-party websites. We’re not responsible for their content, privacy practices, or terms of service.

10. Changes to Terms

We may update these terms from time to time. Continued use of SMEAcademy.my constitutes acceptance of updated terms.

11. Malaysian Law

These terms are governed by Malaysian law. Any disputes shall be resolved in Malaysian courts.

12. Contact

Questions about these terms? Contact us at: legal@smeacademy.my