Terms of Use

Effective Date: 08 October 2024

1. Introduction

Welcome to FinDoctor.my, operated by FinDoc Sdn Bhd ("FinDoctor," "we," "us," or "our"). These Terms of Use govern your access to and use of our website, mobile applications, and services (collectively, the "Platform"). By accessing or using the Platform, you agree to comply with these Terms of Use.

If you do not agree with these Terms of Use, please discontinue using the Platform.

2. Acceptance of Terms

By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, as well as our Privacy Policy. If you do not agree to these terms, you should immediately discontinue the use of the Platform.

FinDoctor reserves the right to modify, update, or amend these Terms of Use at any time. Any changes will be posted on our website, and continued use of the Platform after such changes constitutes your acceptance of the revised Terms of Use.

3. Use of the Platform

The Platform and its content are provided for general informational purposes only. You agree to use the Platform in accordance with all applicable laws and regulations. You are prohibited from using the Platform to:

• Engage in any unlawful, fraudulent, or malicious activities.
• Misuse or tamper with the Platform, including but not limited to hacking or introducing harmful software.
• Attempt to gain unauthorized access to the Platform, other accounts, or computer systems through the Platform.

You acknowledge that your use of the Platform is at your own risk. FinDoctor does not warrant that the Platform will be free from interruptions, errors, or vulnerabilities.

4. Intellectual Property

All intellectual property rights in the Platform, including but not limited to the content, software, trademarks, logos, and design, are owned by or licensed to FinDoc Sdn Bhd. You may not reproduce, modify, distribute, display, or sell any content from the Platform without prior written consent from FinDoctor.

You are granted a limited, non-exclusive, and revocable license to use the Platform for personal, non-commercial use. Any unauthorized use of the Platform or its content may result in legal action.

5. User Accounts and Security

To access certain services on the Platform, you may be required to create an account and provide certain personal information. You agree to provide accurate and complete information when creating your account and to update your account information as necessary.

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify FinDoctor immediately of any unauthorized use of your account or any other breach of security. FinDoctor will not be liable for any loss or damage arising from your failure to protect your account information.

6. Third-Party Links and Services

The Platform may contain links to third-party websites or services that are not owned or controlled by FinDoctor. These links are provided for your convenience only. FinDoctor is not responsible for the content, privacy policies, or practices of any third-party websites or services.

By using the Platform, you acknowledge that FinDoctor is not liable for any loss or damage arising from your use of third-party websites or services.

7. Limitation of Liability

To the fullest extent permitted by law, FinDoctor, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Platform or reliance on any information provided on the Platform, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses.

FinDoctor shall not be liable for any delays, interruptions, or errors in the operation of the Platform, or any actions taken or decisions made by you based on the information provided on the Platform.

8. Disclaimer of Warranties

The Platform and its content are provided "as is" and "as available," without any warranties of any kind, whether express or implied. To the fullest extent permitted by law, FinDoctor disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and availability of the Platform.

FinDoctor does not guarantee that the Platform will be free from errors, viruses, or other harmful components.

9. Indemnification

You agree to indemnify, defend, and hold harmless FinDoctor, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Platform, violation of these Terms of Use, or violation of any third-party rights, including intellectual property rights.

10. Termination

FinDoctor reserves the right to terminate or suspend your access to the Platform, without notice, for any reason, including but not limited to a violation of these Terms of Use or any illegal activity.

Upon termination, your right to use the Platform will immediately cease. FinDoctor may, at its discretion, pursue legal remedies if necessary.

11. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from or related to the use of the Platform shall be subject to the exclusive jurisdiction of the courts of Malaysia.

12. Entire Agreement

These Terms of Use, together with the Privacy Policy, constitute the entire agreement between you and FinDoctor regarding your use of the Platform and supersede any prior agreements, understandings, or representations, whether oral or written.

13. Contact Information

If you have any questions, concerns, or feedback about these Terms of Use, or if you wish to contact FinDoctor for any reason, please reach out to us at: