Terms of Service

Last updated: March 20, 2026

These Terms of Service govern your use of BudgetWise and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and your continued use constitutes acceptance of any changes.

Acceptance of Terms

By using our website and services related to household budgeting and expense management in Malaysia, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide practical monthly spending frameworks and Belanjawanku expenditure guides to help with family financial planning. Your acceptance of these terms is essential for access to our resources on fixed versus variable cost tracking and family financial overview planning. We assume that all users are of legal age and capable of entering into binding agreements. If you are using our services on behalf of an organization, you represent and warrant that you have authority to bind that organization to these terms.

User Obligations

Users are responsible for maintaining the confidentiality of any account information and for all activities that occur under their account. You agree not to use our services for any unlawful purposes or in any way that could damage, disable, or impair our website. You shall not attempt to gain unauthorized access to our systems, transmit viruses, or engage in any conduct that restricts or inhibits any person’s use or enjoyment of our services. When using our budgeting tools and expense tracking features, you agree to provide accurate information and use the tools responsibly. You acknowledge that our guidance on household budgeting and monthly spending frameworks is educational in nature and not professional financial advice specific to your circumstances.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software related to household budgeting guides and Belanjawanku resources, is the exclusive property of our organization or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or transmit any content without our prior written permission. You may view and print content for personal, non-commercial use only. Any unauthorized use of our intellectual property violates these terms and applicable laws. We grant you a limited, non-exclusive license to access and use our services for legitimate household budgeting and financial planning purposes. This license does not permit you to modify, copy, or create derivative works from our content.

Limitation of Liability

Our services and content are provided on an “as is” basis without warranties of any kind, either express or implied. We do not guarantee that our budgeting frameworks, expense management tools, or Belanjawanku guidance will meet your specific financial needs or produce desired results. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services. Our total liability for any claim arising from these terms shall not exceed the amount you paid for our services, if any. You assume full responsibility for decisions made based on information provided through our household budgeting resources and monthly spending guides.

Termination

We reserve the right to terminate or suspend your access to our services immediately, without notice or liability, for any reason including violation of these terms. Upon termination, your right to use our services ceases immediately. You remain obligated to comply with all provisions of these terms that, by their nature, should survive termination. If we terminate your access due to breach, you may not attempt to regain access using alternative accounts or methods. Termination does not relieve you of any obligations incurred prior to termination. We may also discontinue or modify any aspect of our services at any time without liability to you or any third party.

Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Malaysia for the resolution of any disputes arising from these terms or your use of our services. This choice of law and jurisdiction applies to all claims, regardless of their nature, including contract disputes, tort claims, and statutory violations. By using our services, you consent to the jurisdiction and venue of these courts and waive any objections to such jurisdiction or venue.

Changes to Terms

We may update these Terms of Service periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify users of significant changes by posting the updated terms on our website with a new “Last updated” date. Your continued use of our services following the posting of revised terms means you accept and agree to the changes. We encourage you to review these terms periodically to stay informed about how they may affect your use of our household budgeting and expense management resources. If you do not agree to any changes, you should discontinue use of our services immediately.