Terms of Service

Last updated: March 9, 2026

Acceptance of Terms

These Terms of Service govern your use of BufferWise and its services. By accessing and using our website, educational resources, and financial planning tools, you agree to be bound by these terms. We provide information and resources related to emergency fund planning, financial buffer building, and savings account management in Malaysia. Your continued use of our services indicates your acceptance of all terms and conditions outlined herein. If you do not agree with any part of these terms, you should discontinue use of our platform immediately. We reserve the right to modify these terms at any time, and your continued use after such modifications constitutes acceptance of the updated terms.

User Obligations and Responsibilities

You agree to use our services solely for lawful purposes and in accordance with all applicable laws and regulations in Malaysia. You must not engage in any conduct that violates these terms or any applicable legal requirements. We expect users to act responsibly when accessing our educational materials on emergency fund calculations, fixed deposit comparisons, and household financial stability strategies. You are responsible for maintaining the confidentiality of any personal information you provide through our platform. You agree not to attempt to gain unauthorized access to our systems, disrupt service availability, or engage in any form of harassment or abusive behavior. All information you provide must be accurate and truthful. Misuse of our platform may result in termination of access and potential legal consequences.

Intellectual Property Rights

All content on our platform, including educational materials, guides, calculations methodologies, and financial resources, is protected by intellectual property laws. We retain full ownership of all original content, design elements, and proprietary information. You are granted a limited, non-exclusive license to view and use our materials for personal, educational purposes only. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission. This includes all financial planning resources, emergency fund calculation tools, and savings reserve methodologies. You may not use our materials for commercial purposes or claim them as your own. We actively protect our intellectual property rights and will take appropriate legal action against unauthorized use or infringement. Proper attribution is required when referencing our materials.

Limitation of Liability

We provide our educational resources and financial planning information on an “as-is” basis without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of any information provided on our platform. While we strive to offer reliable guidance on emergency fund planning and financial stability, individual financial situations vary greatly. We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services or reliance on our information. You should always consult with qualified financial advisors or professionals before making financial decisions. We do not provide personalized financial advice, and our resources are for educational purposes only. Your use of our platform and any actions taken based on our information are entirely at your own risk and discretion.

Termination and Account Access

We reserve the right to terminate or restrict your access to our platform at any time, with or without notice, for violations of these terms or other breaches of conduct. Termination may occur if you engage in unauthorized use, violate intellectual property rights, or breach any provisions herein. Upon termination, all rights granted to you cease immediately, and you must cease all use of our services. We may also discontinue our services entirely at our discretion. If your access is terminated due to a violation, you may not attempt to create new accounts or circumvent restrictions. We will attempt to provide notice when possible, though emergency situations may require immediate action. Any fees paid prior to termination are non-refundable unless otherwise required by law. You remain responsible for any actions taken under your account prior to termination.

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or other operational needs. We will notify users of significant changes whenever possible. Your continued use of our platform after any updates constitutes your acceptance of the revised terms.