Terms of Service

These Terms of Service govern your use of SafeGuard Fund and its services. By accessing and using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please do not use our services. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes.

Acceptance of Terms

By using our website and accessing our financial guidance resources, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. Your use of our platform indicates your acceptance of all terms contained herein. We provide information and tools designed to help you build financial resilience and establish appropriate emergency reserves. However, the information presented is for educational and informational purposes only and should not be considered as professional financial advice. You agree to use our services in compliance with all applicable laws and regulations in Malaysia and your jurisdiction.

If you are accessing our services on behalf of a business, organization, or entity, you represent and warrant that you have the authority to bind that entity to these terms. We reserve the right to refuse service or terminate your access if we determine you are not complying with these conditions or applicable laws.

User Obligations and Conduct

When using our platform, you agree to maintain the confidentiality of any account information and not to share your login credentials with others. You are responsible for all activities conducted through your account and agree to promptly notify us of any unauthorized access. You must not use our services for illegal, fraudulent, or harmful purposes, including transmitting malware, viruses, or any content that violates the rights of others.

We require you to use our website in good faith and not to engage in activities that could disrupt service for other users. This includes but is not limited to automated scraping, harassment, spamming, or attempting to gain unauthorized access to our systems. You agree not to reverse-engineer our platform or use it in ways that could compromise security. Violation of these obligations may result in immediate suspension of your access and potential legal action.

• Use the platform only for legitimate personal financial planning purposes
• Respect the intellectual property rights of our content and resources
• Refrain from unauthorized commercial use of our educational materials
• Maintain accurate and truthful information in any interactions with us
• Comply with all applicable laws and regulations in your jurisdiction

Intellectual Property Rights

All content, materials, design elements, graphics, text, and code available on our platform are the exclusive property of SafeGuard Fund or our content providers and are protected by Malaysian and international copyright laws. This includes but is not limited to articles, calculators, frameworks, guidelines, and educational resources related to emergency funds, liquid assets, and financial resilience strategies. You are granted a limited, non-exclusive license to view and access this content for personal, non-commercial use only.

You may not reproduce, distribute, modify, transmit, or create derivative works from our content without explicit written permission. Any unauthorized use of our intellectual property is prohibited and may result in legal action. If you believe your intellectual property rights have been violated through our platform, please inform us of the specific infringement. We respect the rights of content creators and will take appropriate action against unauthorized use.

Limitation of Liability

Our services and all information provided on our platform are offered on an “as-is” basis without any warranties, express or implied. We do not guarantee the accuracy, completeness, timeliness, or reliability of any content, including financial guidance, calculators, or recommendations. Financial circumstances vary significantly from person to person, and the information we provide may not be suitable for your specific situation. You acknowledge that building emergency reserves and selecting liquid assets requires careful personal consideration and professional consultation.

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your use of our platform, including but not limited to financial losses, lost profits, or interrupted service. We are not responsible for third-party content, external links, or services beyond our control. Your use of our website and reliance on any information is at your own risk and discretion.

Termination of Service

We reserve the right to terminate or suspend your access to our platform at any time and for any reason, with or without notice. Grounds for termination include but are not limited to violation of these terms, illegal activity, harassment of other users, or disruption of service. Upon termination, your right to access our services ceases immediately, and you must cease all use of our platform and content. Sections of these terms that by their nature should survive termination will remain in effect, including limitations on liability and intellectual property provisions.

You may also terminate your use of our services at any time by discontinuing access. Termination does not relieve you of any obligations or liabilities you may have incurred prior to termination. We will not be liable for any damages resulting from termination of your access, and we are not obligated to provide notice or explanation for service termination.

Changes to Terms

We may update and modify these Terms of Service at any time to reflect changes in our services, legal requirements, or other operational considerations. When we make material changes, we will notify you through prominent notice on our website or via email. Your continued use of our platform following any modifications constitutes your acceptance of the updated terms. We encourage you to review these terms regularly to stay informed of any changes. The date of last update will always be displayed at the top of this document.