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Terms of use

Last updated 12 August 2026. These terms apply to this website and, together with an engagement letter, to advisory work commissioned from QueryEngine Hub Advisory.

Who we are

QueryEngine Hub Advisory practises from 179 Jalan Tun H. S. Lee, Kuala Lumpur, Wilayah Persekutuan 50000, Malaysia. Contact: +60 3-2070 2875, reviews@queryengine-hub.digital. References to “we”, “us”, and “the practice” mean this firm.

What this site is

The site describes file-level financial audit services for credit application packs used with scoring engines. It is information, not an offer to the public to enter a contract by clicking. An engagement exists only when both sides have signed an engagement letter (or accepted a written scope note in the form that letter specifies).

Nature of the work

Our work is an independent reading of application files and related papers you supply. We do not make credit decisions, originate facilities, broker loans, validate scorecards, issue credit ratings, or provide legal, tax, or statutory-audit opinions unless a separate letter expressly says so. Nothing on the site is advice on a particular applicant.

Use of the website

You may read and share pages for ordinary professional purposes. You may not scrape the site in a way that impairs others’ access, present our pages as your own publication, or use the contact form to send marketing, malware, or files we did not ask for. We may suspend access if use is abusive.

Fees and payment

Indicative fee bands on service pages are information only. Binding fees appear in the engagement letter. We do not operate checkout, stored cards, or in-browser payment on this site. Invoices are issued under the letter and paid by the method stated there, usually bank transfer in ringgit.

Confidentiality

Application files, policies, and reports are confidential to the contracting client. We do not use client files as marketing case studies with identifying detail. Anonymised observations in insights on this site are written so that a file cannot be recognised.

Intellectual property

Website copy, layout, and our report formats belong to the practice. Your files remain yours. The report produced under an engagement is licensed to the client for internal credit, audit, and regulatory-response use. Republication of a report as a marketing or investor document needs our written consent.

Reliance and limitation

Reports may be relied on by the contracting client. They may not be relied on by applicants, investors, or other third parties unless we agree in writing. Our liability for an engagement is limited as set out in the engagement letter, and in any event to a cap not exceeding the fees paid for that engagement, except where Malaysian law does not allow a limit (including death or personal injury caused by negligence, or fraud).

Website accuracy

We take care with descriptions of services, hours, and fees, but pages can lag a signed letter. If a page and a letter disagree, the letter governs the engagement. We are not responsible for the content of linked third-party sites, including image hosts used for illustration.

Governing law

These terms and any dispute about the website are governed by the laws of Malaysia. Courts of Kuala Lumpur have non-exclusive jurisdiction. Engagement letters may add arbitration or a different Malaysian forum; those clauses govern the engagement.

Changes

We may update these terms by publishing a new version on this page. Continued use of the site after the date above is acceptance of the updated terms for website use. Existing signed letters are not rewritten by a website update.