Terms & Conditions

Last updated: June 20, 2025

1. Agreement to Terms

By accessing or using our website at cognifelthrynza.sbs and our financial games, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you disagree with any part of these terms, you may not access our website or use our services.

2. Intellectual Property Rights

Unless otherwise stated, we own the intellectual property rights for all material on our website and our financial games. All intellectual property rights are reserved. You may view and use our content for your personal use subject to restrictions set in these terms.

You must not:

  • Republish material from our website or games
  • Sell, rent, or sub-license material from our website or games
  • Reproduce, duplicate, or copy material from our website or games
  • Redistribute content from our website or games

3. User Accounts

When you create an account with us, you guarantee that the information you provide is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to restricting access to your computer and/or account. You agree to accept responsibility for any and all activities that occur under your account and/or password.

4. Products and Services

All our financial games are designed for educational and entertainment purposes only. Our games are not intended to provide financial advice or guarantee financial success in real-world scenarios.

We reserve the right to modify or discontinue any product or service without notice. We shall not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the product or service.

5. Purchases and Payment

All purchases through our website are subject to product availability. We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order.

Payments for our products must be made in full and in the currency specified at the time of purchase. We accept various payment methods as indicated on our website.

6. Refunds and Returns

Our refund and return policy is as follows:

  • Physical products: Eligible for return within 30 days of purchase if unused and in original packaging.
  • Digital products: Due to the nature of digital goods, all sales are final unless the product is defective.

To initiate a return or refund, please contact our customer service team at [email protected].

7. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

  • Copying, distributing, or disclosing any part of our website or games in any medium
  • Using automated systems, such as "robots," "spiders," or "offline readers" to access our website
  • Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from our servers
  • Uploading invalid data, viruses, worms, or other software agents through our website
  • Collecting or harvesting any personally identifiable information from our website
  • Impersonating another person or misrepresenting your affiliation with a person or entity
  • Interfering with the proper working of our website or games

8. Disclaimer of Warranties

Our website and financial games are provided "as is" without any warranties, expressed or implied. We do not guarantee, represent, or warrant that your use of our service will be uninterrupted, timely, secure, or error-free.

We do not warrant that the results that may be obtained from the use of our service will be accurate or reliable. You agree that from time to time we may remove the service for indefinite periods or cancel the service at any time, without notice to you.

9. Limitation of Liability

In no event shall we, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort, strict liability, or otherwise, arising from your use of our website or financial games, or for any other claim related in any way to your use of our service, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content posted, transmitted, or otherwise made available via the service, even if advised of their possibility.

10. Indemnification

You agree to indemnify, defend, and hold harmless Financial Games, our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms and Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third party.

11. Severability

If any provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms and Conditions. Such determination shall not affect the validity and enforceability of any other remaining provisions.

12. Termination

These Terms and Conditions are effective unless terminated by either you or us. You may terminate these Terms and Conditions at any time by notifying us that you no longer wish to use our services or by ceasing to use our website.

We reserve the right to terminate your access to our website and services at any time, without cause or notice, which may result in the forfeiture and destruction of all information associated with your account.

13. Governing Law

These Terms and Conditions shall be governed and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions.

Any disputes relating to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Malaysia.

14. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Your continued use of our website and services after such modifications constitutes your acceptance of the new Terms and Conditions.

It is your responsibility to review these Terms and Conditions periodically for changes.

15. Contact Information

Questions about the Terms and Conditions should be sent to us at:

  • Financial Games
  • Menara UOA Bangsar, Jalan Bangsar, 59000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur, Malaysia
  • Phone: +60 3-8260-4186
  • Email: [email protected]