Terms of Service
Last updated: March 18, 2026
Acceptance of Terms
These Terms of Service govern your use of FlowTrack and its services. By accessing and using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, you should not use our platform. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes. These terms apply to all visitors, users, and others who access or use our services. We provide educational guidance on personal cash flow management, income tracking, expense reduction, and budgeting frameworks designed specifically for individuals in Malaysia. Your use of our platform is entirely at your own risk, and we provide our services on an “as-is” basis.
User Obligations
Users agree to use our platform responsibly and in compliance with all applicable laws and regulations. You must not engage in any activities that could harm our services or other users. This includes attempting to gain unauthorized access, transmitting malware, or disrupting the normal functioning of our website. You are responsible for maintaining the confidentiality of any account information you create. We expect all users to treat our content with respect and use it only for lawful purposes. You acknowledge that the information provided is educational in nature and should not be considered professional financial advice. Any reliance on our content is at your sole discretion. We encourage you to consult with qualified financial professionals before making significant financial decisions based on our guides.
Intellectual Property Rights
All content on our platform, including guides, articles, frameworks, and educational materials, is protected by copyright and intellectual property laws. We retain all rights to this content unless otherwise stated. You may view and print materials for personal, non-commercial use only. Reproduction, distribution, or transmission of any content without our written permission is strictly prohibited. This includes our budgeting frameworks, income tracking methodologies, and expense reduction strategies. You may not modify, translate, or create derivative works based on our materials. We value originality and creativity, and we expect users to respect the intellectual property of others. If you believe your rights have been infringed, please inform us through appropriate channels.
Limitation of Liability
Our platform and all content are provided on an “as-is” basis without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of information presented in our guides and educational materials. To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages arising from your use of our services. This includes loss of profits, data, or business opportunities. We do not provide personalized financial advice, and any recommendations should be verified with qualified professionals. Your financial decisions remain entirely your responsibility. We encourage careful consideration and due diligence before implementing any strategies based on our educational content. The educational nature of our platform means information is generalized and may not apply to your specific circumstances.
Termination of Access
We reserve the right to terminate or suspend your access to our platform at any time, with or without cause. Termination may occur if you violate these terms, engage in harmful activities, or for any other reason we deem necessary. Upon termination, your right to access our services ceases immediately. Any content you have created or uploaded may be removed from our platform. We will not be liable for any loss or damage resulting from termination of your access. You may also discontinue your use of our services at any time. If you wish to request account deletion or have concerns about your access, we encourage you to reach out to us. We maintain the right to enforce these terms and take appropriate action against users who violate them, ensuring a safe and respectful environment for all visitors.
Questions About These Terms
If you have questions or concerns regarding these Terms of Service, we encourage you to reach out to us. We are committed to addressing any inquiries about how our terms apply to your use of our platform. Your feedback helps us improve our services and ensure clarity for all users. We may update these terms from time to time to reflect changes in our services or applicable laws. When we make significant changes, we will notify users and provide an updated version with a new “Last updated” date.