By accessing and using ConnectDigitalNext's budget risk management platform and related services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and ConnectDigitalNext.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of our platform after any modifications to these terms constitutes acceptance of such changes.

Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized access or security breaches.

Accurate Information: You agree to provide accurate, current, and complete information when creating your account and to update such information as necessary to maintain its accuracy.

• Use services only for lawful purposes and in accordance with these terms
• Respect intellectual property rights of ConnectDigitalNext and third parties
• Maintain professional conduct when interacting with our platform and other users
• Report any technical issues or suspicious activities promptly
• Keep your contact information updated for important service communications

Prohibited Activities: You may not use our services to engage in fraudulent activities, distribute malicious software, violate applicable laws, or interfere with the proper functioning of our platform.

While we strive to maintain continuous service availability, ConnectDigitalNext reserves the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may perform scheduled maintenance that temporarily affects service availability.

Service Updates: We regularly update our platform to improve functionality and security. These updates may change features or require users to agree to modified terms. Continued use after updates constitutes acceptance of changes.

Third-Party Dependencies: Some features may rely on third-party services. We are not responsible for interruptions caused by external service providers, though we work to minimize such impacts.

All content, materials, and resources provided through ConnectDigitalNext, including but not limited to text, graphics, software, course materials, and proprietary algorithms, are protected by intellectual property laws and remain the exclusive property of ConnectDigitalNext.

Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal or business purposes in accordance with these terms. This license does not include rights to:

• Reproduce, distribute, or publicly display our proprietary content
• Create derivative works based on our materials
• Reverse engineer or attempt to extract source code from our platform
• Use our brand name, trademarks, or logos without written permission
• Sublicense or transfer your access rights to third parties

User-Generated Content: Any content you submit to our platform remains your property, but you grant ConnectDigitalNext a non-exclusive license to use such content for service improvement and educational purposes.

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using our services, you consent to our data practices as described in the Privacy Policy.

Data Security: We implement industry-standard security measures to protect your personal and financial information. However, no system is completely secure, and you acknowledge the inherent risks of transmitting information over the internet.

Information Sharing: We do not sell your personal information to third parties. We may share aggregated, non-personally identifiable information for research and improvement purposes, always in compliance with applicable privacy laws.

ConnectDigitalNext provides services on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of our services or content.

Financial Decisions: Our platform provides educational information about budget risk management. We are not responsible for financial decisions made based on information provided through our services. Users should always consult qualified financial advisors for specific guidance.

Limitation Scope: To the fullest extent permitted by law, ConnectDigitalNext shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

Maximum Liability: Our total liability for any claims related to these services shall not exceed the amount paid by the user for the specific service in the twelve months preceding the claim.

Either party may terminate this agreement at any time. ConnectDigitalNext reserves the right to suspend or terminate user accounts for violations of these terms, non-payment of fees, or other reasons we deem necessary to protect our services or other users.

Effect of Termination: Upon termination, your access to services will cease immediately. Data deletion will occur according to our retention policies and legal requirements. Some provisions of these terms will survive termination, including intellectual property rights and limitation of liability clauses.

• Account suspension may occur without prior notice for serious violations
• Users may appeal account suspensions through our support channels
• Refunds for terminated accounts are subject to our refund policy
• Terminated users may not create new accounts without our permission

These Terms of Use are governed by the laws of Malaysia. Any disputes arising from these terms or use of our services shall be resolved through binding arbitration in Selangor, Malaysia, conducted in English.

Dispute Process: Before initiating formal dispute resolution, parties agree to attempt good-faith negotiations for thirty (30) days. If negotiations fail, arbitration will proceed under Malaysian arbitration rules.

Class Action Waiver: You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration against ConnectDigitalNext.

ConnectDigitalNext may modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated through email notifications or prominent platform notices.

Notice Period: For material changes affecting user rights or obligations, we will provide at least thirty (30) days advance notice. Continued use of services after the effective date constitutes acceptance of modified terms.

Version Control: We maintain records of previous term versions for reference. Users may request copies of previous versions within reasonable timeframes for comparison purposes.