Terms of Service
Last updated: March 9, 2026
Acceptance of Terms
These Terms of Service govern your use of SafetyNet Fund 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 of our platform constitutes acceptance of any changes. These terms apply to all visitors, users, and others who access or use our educational resources about emergency fund building, financial safety nets, fixed deposits, and PIDM insurance in Malaysia.
User Obligations
You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, and disrupting the normal flow of dialogue within our website. You are responsible for maintaining the confidentiality of any account information and password you use to access our platform. You agree to accept responsibility for all activities that occur under your account. We request that you notify us immediately of any unauthorized use of your account or any other breaches of security.
Intellectual Property Rights
All content provided on our website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of us or our content suppliers and is protected by international copyright laws. All trademarks and service marks displayed on our website are our property or the property of their respective owners. You may not reproduce, republish, or distribute content without our explicit permission. Educational materials regarding emergency fund calculation, high-yield savings accounts, fixed deposit laddering, and PIDM deposit insurance are provided for informational purposes only. You may download and print materials for personal, non-commercial use only, provided you retain all copyright and proprietary notices.
Limitation of Liability
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 of or inability to use our website or services. This includes but is not limited to damages for loss of profits, goodwill, use, data, or other intangible losses. Our total liability for any claim arising out of or relating to these terms shall not exceed the amount you paid us, if any. The information provided on our website is for educational purposes only and should not be considered as financial advice. We do not guarantee the accuracy, completeness, or timeliness of information regarding emergency funds, fixed deposits, PIDM insurance, or other financial products and services in Malaysia.
Termination
We may terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason whatsoever, including if you breach these Terms of Service. Upon termination, your right to use our services will cease immediately. We may also terminate or suspend our services at any time in our sole discretion. All provisions of these Terms of Service that by their nature should survive termination shall survive, including intellectual property rights, limitation of liability, and dispute resolution provisions. We will make reasonable efforts to provide notice of any material changes to our services or terms, but your continued use of our platform following any such notice constitutes your acceptance of the changes.
Dispute Resolution and Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions. Any dispute arising out of or relating to these terms shall be subject to the exclusive jurisdiction of the courts located in Malaysia. We encourage you to contact us to resolve any concerns before initiating legal proceedings. In the event of any dispute, you agree to attempt resolution through good faith negotiation before pursuing formal legal action. Nothing in these terms shall prevent you from filing a complaint with relevant Malaysian regulatory authorities or seeking injunctive relief to protect intellectual property rights.
Modifications to Services
We reserve the right to modify, suspend, or discontinue our services or any portion thereof at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of our services. We may add, remove, or modify features of our educational content regarding emergency fund building, fixed deposit strategies, PIDM insurance coverage, and other financial safety net topics. Your continued access to our website following any such changes constitutes your acceptance of the modified services. We recommend reviewing these terms periodically to stay informed of any updates.