Terms of Use

By accessing and using the NeoDigitalFlow platform at neodigitalflow.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must discontinue use of our services immediately.

These terms constitute a legally binding agreement between you and NeoDigitalFlow, governing your access to and use of our budget forecasting platform, tools, and related services.

NeoDigitalFlow provides budget forecasting tools and financial planning resources designed to help users understand and manage their financial situations. Our platform offers educational content, planning tools, and analytical resources.

• Educational Resources: We provide information and learning materials about budget planning, financial forecasting, and money management concepts.
• Planning Tools: Our platform includes calculators, templates, and interactive tools to assist with budget creation and analysis.
• Data Analysis: Users can input financial data to generate forecasts and visual representations of their budget scenarios.

All tools and resources are provided for educational and informational purposes. We do not provide personalized financial advice or investment recommendations.

As a user of our platform, you agree to maintain the highest standards of conduct and take full responsibility for your actions while using our services.

• Prohibited Activities: Users may not engage in any activity that disrupts or interferes with our services, including but not limited to hacking, data mining, or attempting to gain unauthorized access.
• Content Standards: Any user-generated content must comply with applicable laws and must not contain offensive, defamatory, or inappropriate material.
• Commercial Use: The platform is intended for personal use. Commercial exploitation of our tools or content requires prior written consent.
• Compliance: Users must comply with all applicable local, national, and international laws while using our services.

Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy and applicable data protection laws, including Malaysia's Personal Data Protection Act 2010.

Data Collection: We collect information necessary to provide our services, including account details, usage data, and financial information you choose to input into our tools.

Data Usage: Your data is used to deliver our services, improve user experience, and provide customer support. We do not sell personal information to third parties.

Data Security: We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

All content, features, and functionality on the NeoDigitalFlow platform are owned by us and are protected by international copyright, trademark, and other intellectual property laws.

• Platform Content: All text, graphics, logos, images, software, and other materials are our exclusive property or used under proper licensing agreements.
• User License: We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes.
• Restrictions: You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.
• User Content: You retain ownership of data you input into our platform, while granting us necessary rights to process and display such data as part of our service delivery.

Our platform provides educational tools and information. We make no guarantees about financial outcomes or the accuracy of forecasts generated using our tools.

Service Availability: While we strive for continuous service availability, we do not guarantee uninterrupted access. Maintenance, updates, and technical issues may temporarily affect platform functionality.

Accuracy Disclaimer: We make reasonable efforts to ensure information accuracy but cannot guarantee that all content is error-free or current. Users should verify important information independently.

Third-Party Content: Our platform may include links to external websites or reference third-party information. We are not responsible for the accuracy or availability of external content.

Either party may terminate this agreement under the circumstances outlined below. Termination procedures are designed to protect both user rights and platform integrity.

• User-Initiated Termination: You may close your account at any time by contacting our support team or using account closure features within the platform.
• Platform-Initiated Termination: We reserve the right to suspend or terminate accounts that violate these terms, engage in prohibited activities, or pose security risks.
• Data Retention: Following account closure, we may retain certain data as required by law or for legitimate business purposes, in accordance with our Privacy Policy.
• Effect of Termination: Upon termination, your right to access the platform ceases immediately, though certain provisions of these terms may continue to apply.

We may update these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices.

Notification Process: Significant changes will be communicated through platform notifications, email announcements, or prominent notices on our website at least 30 days before implementation.

User Options: If you disagree with updated terms, you may choose to discontinue using our services. Continued use after the effective date constitutes acceptance of the modified terms.

Minor administrative changes, such as contact information updates or clarifications that do not affect user rights, may be implemented without advance notice.