Terms of Use

Effective Date: 13 March 2026

1. Introduction

Welcome to FinDoc.my, operated by FinDoc Sdn Bhd ("FinDoc," "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.

FinDoc reserves the right to modify, update, or amend these Terms of Use at any time at its sole discretion. 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 without the need for further notice or consent.

Where a user has entered into a separate written agreement with FinDoc in relation to specific services offered through the Platform, including but not limited to the Platform Service Agreement or Subscription Agreement, the terms of such agreement shall prevail to the extent of any inconsistency with these Terms of Use.

3. Use of the Platform

The Platform and its content include general informational material and, where applicable, technology-enabled financial profiling, documentation assessment, and related support services. The Platform may generate automated assessments, reports, summaries or informational outputs based on data provided by users and third-party sources. Unless expressly stated otherwise in a separate written agreement and to the extent permitted under applicable laws, such outputs are provided for informational and support purposes only and do not, by themselves, constitute personalised financial, legal, or tax advice.

You agree to use the Platform in accordance with all applicable laws and regulations and not for any unlawful, misleading, or unauthorised purpose. 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. FinDoc does not warrant that the Platform will be free from interruptions, errors, cybersecurity risks or vulnerabilities. You further acknowledge and agree that any information, assessment, report or output generated through the Platform is used at your own discretion and risk, and that FinDoc shall not be responsible for any reliance placed on such information by you or any third party, except to the extent expressly agreed in a separate written agreement.

FinDoc reserves the right to modify, enhance, suspend, withdraw, or discontinue any part of the Platform or its features at any time for operational, security, legal, or business reasons, without liability, subject to any applicable written agreement entered into with the user.

You agree to use the Platform and any outputs generated through it strictly in compliance with all applicable laws, regulations, and professional obligations, and not in any manner that would cause FinDoc to breach any legal or regulatory requirement.

You represent and warrant that you have obtained all necessary rights, authorisations, and consents to provide any personal data or third-party information submitted through the Platform.

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 FinDoc.

You are granted a limited, non-exclusive, and revocable license to use the Platform for personal or internal business purposes, subject to these Terms of Use and any applicable agreement entered into with FinDoc. Any unauthorized use of the Platform or its content may result in immediate termination of access and 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 FinDoc immediately of any unauthorized use of your account or any other breach of security. FinDoc will not be liable for any loss or damage arising from your failure to protect your account information. Any access, activity, instruction, or submission made through your account shall be deemed to have been made by you.

6. Third-Party Links and Services

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

By using the Platform, you acknowledge that FinDoc 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, FinDoc, 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.

FinDoc 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. FinDoc shall not be responsible or liable for any reliance placed on the Platform or its content by any third party, whether with or without the user's knowledge or consent.

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, FinDoc disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and availability of the Platform.

FinDoc 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 FinDoc, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including legal fees on a solicitor-and-client basis) arising out of or related to your use of the Platform, violation of these Terms of Use, any reliance on the content, or violation of any third-party rights, including intellectual property rights.

10. Termination

FinDoc 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, security concerns or any unlawful activity.

Upon termination, your right to use the Platform will immediately cease. FinDoc may, at its discretion, pursue legal remedies where 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 constitute the entire agreement between you and FinDoc in relation to your access to and use of the Platform and supersede any prior agreements, understandings, or representations, whether oral or written.

13. Severability

If any provision of these Terms of Use is held to be invalid, unlawful, or unenforceable, such provision shall be severed and the remaining provisions shall continue in full force and effect.

14. Contact Information

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