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This Terms of Use is a legal agreement between you and Hiblox Sdn Bhd for using Bizmatik System (the "Software"), which includes all source codes, documentation, and art work. By installing, copying, or otherwise using the Software, you agree to be bound by the terms of this agreement.

The Software is protected by Malaysia's copyright law and international copyright treaties, as well as other intellectual property laws and treaties. The Software is licensed, not sold. Hiblox Sdn Bhd retains all ownership rights to the Software.

1. Limited License Grant

• Hiblox Sdn Bhd grants to you ("Licensee") a perpetual, nonexclusive, nontransferable, worldwide, and royalty-free license to use the Software on one Web site that shares a fully qualified domain name or one desktop/laptop computer. Using multiple copies of the Software on the same domain name or computer is permitted.

• Modifications to the Software are allowed, as long as they do not conflict with the license. You may also hire Hiblox Sdn Bhd or a third party to perform the modifications, and the developer shall receive a non-exclusive, royalty-free right for applying the modifications to any version of the Software.

• Disclaimer of Warranty. The Software is provided "AS IS," without a warranty of any kind. ALL EXPRESS OR IMPLIED REPRESENTATIONS AND WARRANTIES, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, ARE HEREBY EXCLUDED.

• Limitation of Liability. IN NO EVENT WILL HIBLOX SDN BHD BE LIABLE FOR ANY LOST REVENUE, PROFIT OR DATA, OR FOR DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES HOWEVER CAUSED AND REGARDLESS OF THEORY OF LIABILITY ARISING OUT OF THE USE OF, INABILITY TO USE, OR DOWNLOADING OF THE SOFTWARE, EVEN IF Hiblox Sdn Bhd HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. You agree to indemnify and hold harmless Hiblox Sdn Bhd to the fullest extent allowed by law regarding all matters related to your use of the Software.

2. Use of Software

• Trial Version. A fully functional trial version of Bizmatik can be downloaded from this site for your use. The only difference between a trial version and a registered version is the number of records you can add to the system. The trial version is limited to 10 records, while the registered version has no limitation. You are advised to try out the trial version fully before making a license purchase.

• Support. Hiblox Sdn Bhd provides free support through an online helpdesk. We will do our best to address your issues and fix as many bugs as technically feasible.

• Content Management and Data Backup. Hiblox Sdn Bhd does not manage, maintain, or monitor the use of the Software at your site. You are solely responsible for the creation, transmission, and backup of all site contents (data, documents, photos, videos, etc.).

• Bank Data. Bizmatik lets you download your bank account data directly from Plaid. When you sign up for the service, you grant Plaid the right, power, and authority to access and transmit the data as reasonably necessary for them to provide the service to you.

• Source Codes. A selected number of controller and model files are encrypted for licensing purpose, which amount to less than 1% of the source codes. You accept the use of such encryption. You also agree that any request to modify the Software may require a fee because of the labor involved in preparing a customized version for you. Hiblox Sdn Bhd may also apply the change to new versions of the Software if it can avoid rework for you in the future and if other users may like the change.

• Refund. There is no refund for a license purchase because a trial version with no time limit has been provided for your use. You receive a domain-specific license upon purchase, and this license is not something we can take back from you. Likewise, any customization fee is not refundable because of the labor costs involved.

3. General Provisions

• Applicable Law. This agreement shall be enforced in accordance with the laws of Sarawak. Neither this agreement nor any interest in this agreement may be assigned by Licensee without the prior express written approval of Hiblox Sdn Bhd.

• Acceptance and Termination. If, at any time, you expressly assent to this agreement, that assent indicates your clear and irrevocable acceptance of this agreement and all of its terms and conditions. If you disagree or fail to abide by any of its terms and conditions, this agreement shall terminate immediately and you may no longer exercise any of the rights granted.

• Modifications. The terms set forth in this agreement constitute the final and exclusive agreement with respect to the Software. Hiblox Sdn Bhd reserves the right to change the terms at any time by posting a revision at Bizmatik Web site.

This policy describes Hiblox Sdn Bhd's privacy practices for this Web site regarding what type of information is gathered and tracked, how the information is used, and with whom the information is shared.

1. Personal Information

• You can visit Hiblox Sdn Bhd Web site without telling us who you are and without revealing any information about yourself. However, to access certain portions of the Web site, you may have to submit information such as user ID and password, or to access some services we provide, you may have to give us personal information such as your name, phone number, and email address. To access our transaction programs, we may ask you for your address and/or credit card information.

2. Use of Cookies

• We use various technologies to collect and store information when you visit Hiblox Sdn Bhd Web site, and this may include sending one or more cookies or anonymous identifiers to your device. We may use cookies to collect anonymous information from visits to our sites to help us provide better service. You can set your browser to notify you before you receive a cookie, giving you the chance to decide whether to accept it. You can also set your browser to turn off cookies. If you do so, however, some areas of some sites may not function properly.

3. Web Site Traffic Information

• When you arrive at or leave any Hiblox Sdn Bhd Web site, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Web site you visit while you are on our hosted site, the type of browser you use and the times you access our hosted sites. We use this information only to try to better understand visitor preferences and to manage the load on our servers.

4. Communication Practices

• We may keep a record of your communication to help solve any issues you might be facing. We may use your email address to inform you about our services, such as letting you know about upcoming changes or improvements.

5. Information Security and Quality

• We intend to protect the quality and integrity of your personally identifiable information. We have implemented appropriate physical, technical, and organizational measures, such as using industry accepted encryption for storing demographics data, to help keep your information secure, accurate, current, and complete.

6. Plaid Service

• If you choose to use Plaid Service for downloading your bank account data to the system, you acknowledge and agree that the information will be treated in accordance with their privacy policy posted at www.plaid.com.

7. Disclosure to Third Parties

• We will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on us; (b) protect and defend our rights or properties; and, (c) act under exigent circumstances to protect the personal safety of our users or the public.