Effective Date: 1 October 2025
This website and its associated services are operated by The Ledger Asia. Throughout the site, the terms “we”, “us”, and “our” refer to Enspira Consultancy. By accessing our website, using our platform, or purchasing any of our subscription products or services, you agree to be bound by the following Terms of Use.
These Terms apply to all users of the site, including browsers, registered users, subscribers, partners, content contributors, and advertisers.
Please read these Terms of Use carefully before accessing or using our website or mobile application. If you do not agree to all the terms and conditions of this agreement, you may not access or use our services.
Section 1 – General Use Terms
By using this website or subscribing to any of our plans, you represent that:
- You are at least the age of majority in your jurisdiction.
- You are legally capable of entering into a binding agreement.
- You agree to comply with all applicable laws and regulations in Malaysia and, where relevant, in your location.
You may not use our site for any unlawful or unauthorised purpose. Transmission of malware, spamming, or attempts to disrupt our service is strictly prohibited.
Section 2 – Account Registration & Access
To access subscription content or premium services, you may be required to create an account. You agree to:
- Provide accurate and complete information.
- Keep your login credentials secure and confidential.
- Be responsible for all activities that occur under your account.
We reserve the right to disable or suspend your access if we detect any suspicious or unauthorised use of your account.
Section 3 – Subscription & Billing
Our platform offers free and paid subscription plans. By subscribing to a paid plan, you agree to:
- Authorise us or our payment processors to charge your selected payment method.
- Pay applicable subscription fees (monthly, quarterly, or annually).
- Ensure payment information is kept up to date.
We may change pricing at any time with reasonable notice, and any adjustments will apply on your next billing cycle.
Section 4 – Refunds & Cancellations
Refunds are considered under the following circumstances:
- Duplicate or excess payments
- Verified technical or billing errors
- Valid refund request made within 14 days of subscription
Refunds are not applicable if:
- You have accessed substantial content within the period
- The account is under review for misuse or violation
- Refunds have been repeatedly requested
All refund decisions are final and at the sole discretion of The Ledger Asia. To request a refund, contact editor@theledger.asia.
Section 5 – Content Accuracy & Timeliness
The information presented on The Ledger Asia is for general informational purposes only. While we strive for accuracy and relevance:
- We do not warrant completeness, reliability, or timeliness of the content.
- We may update or remove content at any time without notice.
- Use of content for financial, legal, or investment decision-making is at your own risk. Always consult qualified professionals before taking action.
Section 6 – Intellectual Property
All materials, including articles, videos, interviews, visual designs, and platform branding, are the property of The Ledger Asia and/or its content partners, unless otherwise stated.
You may not:
- Reproduce, republish, or redistribute content without express written consent.
- Modify or use content for commercial gain without permission.
- Use our trademarks, logos, or brand elements without authorisation.
Section 7 – Third-Party Services & Links
The website may include links or access to third-party tools, content, or services. We do not:
- Control or endorse third-party websites or offerings.
- Take responsibility for their availability, accuracy, or content.
- Accept liability for any loss or damage arising from use of third-party sites.
Use of such services is entirely at your own risk and subject to the third party’s own terms.
Section 8 – User Submissions & Feedback
If you submit ideas, comments, or other materials to us (via email, survey, forum, or otherwise), you agree:
- We may use or publish your submissions without restriction or compensation.
- You shall not upload any content that is offensive, defamatory, illegal, or in violation of intellectual property rights.
- You will not impersonate others or misrepresent your identity.
We reserve the right to moderate, remove, or restrict user content at our sole discretion.
Section 9 – Privacy
All personal data collected is governed by our Privacy Policy, available at https://theledger.asia/privacy-policy/. By using our site, you agree to the terms outlined in the Privacy Policy, including data processing, cookies, and marketing preferences.
Section 10 – Prohibited Uses
You may not use our site:
- For any unlawful, fraudulent, or deceptive activity
- To harm, harass, or exploit others
- To upload or spread viruses, malware, or malicious code
- To interfere with site functionality, reverse engineer, or overload our systems
- For scraping, crawling, or data harvesting without permission
We reserve the right to restrict, suspend, or terminate accounts violating these terms.
Section 11 – Limitation of Liability
To the fullest extent permitted by law:
- The Ledger Asia shall not be liable for any direct, indirect, incidental, special, or consequential damages, including but not limited to data loss, revenue loss, service interruption, or personal injury.
- The services and content are provided “as is” and “as available” without warranty of any kind.
Section 12 – Indemnification
You agree to indemnify, defend, and hold harmless Enspira Consultancy, its directors, officers, employees, and partners from any claims, liabilities, or damages arising from your:
- Violation of these Terms
- Infringement of any third-party rights
- Unauthorised access to or misuse of the site
Section 13 – Termination
We reserve the right to:
- Suspend or terminate your account without prior notice if you breach these Terms
- Refuse access to our platform or services to anyone at our sole discretion
You may terminate your account at any time by notifying us at editor@theledger.asia.
Section 14 – Changes to Terms
We may revise these Terms of Use from time to time. The latest version will always be posted on our website. Your continued use of the site constitutes acceptance of the updated Terms.
Section 15 – Governing Law
These Terms shall be governed and construed in accordance with the laws of Malaysia, without regard to conflict of law principles.
Section 16 – Editorial Disclaimer
All content published on The Ledger Asia, including articles, reports, interviews, and opinion pieces, reflects the individual perspectives of the respective journalist, contributor, or speaker. Such content is provided on a best-effort basis, transcribed and presented with the intent of accuracy, fairness, and clarity, but without prejudice or malice toward any individual or entity.
We do not guarantee the completeness, timeliness, or factual accuracy of the content, and do not accept liability for any loss or damage resulting from reliance on the information presented. Readers are advised to perform independent verification or seek professional advice before making any decisions based on our content.