Disclaimer

Last updated: March 16, 2026

General Disclaimer

This Disclaimer applies to the use of FlowTrack and its content. We provide information for general educational and informational purposes only. The content on our platform, including guides on cash flow management, income tracking, expense reduction, and budgeting frameworks, is intended to help you understand personal finance concepts and develop better financial habits.

We strive to ensure that all information provided is accurate, current, and helpful. However, we do not guarantee the completeness, accuracy, or timeliness of any content. Financial circumstances vary significantly from person to person, and what works for one individual may not work for another. We recommend that you evaluate any information provided against your own financial situation and goals.

Your use of our platform constitutes acceptance of this disclaimer. If you do not agree with any part of this disclaimer, please discontinue use of our services immediately. We reserve the right to modify this disclaimer at any time without prior notice.

No Professional Financial Advice

The information provided through our platform does not constitute professional financial, investment, tax, or legal advice. Our guides and educational materials are designed to promote general financial literacy and awareness of budgeting principles and cash flow management strategies. We are not licensed financial advisors, and nothing on our platform should be interpreted as personalized financial guidance.

Before making significant financial decisions—including changes to your investment strategy, debt management, tax planning, or major purchases—you should consult with qualified professionals such as certified financial planners, accountants, or tax advisors who can evaluate your specific circumstances. Your personal financial situation is unique, and professional guidance tailored to your needs is essential for making informed decisions.

We encourage you to independently verify all information and seek professional advice before implementing any financial strategies discussed on our platform. Past performance or hypothetical examples do not guarantee future results.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform, including but not limited to damages resulting from lost profits, business interruption, data loss, or other intangible losses. This limitation applies regardless of whether we have been advised of the possibility of such damages.

Your use of our educational content is entirely at your own risk. We do not warrant that our services will be uninterrupted, error-free, or secure. We are not responsible for any financial losses, missed opportunities, or adverse outcomes that may result from implementing strategies or information obtained through our platform.

Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. In such cases, our liability will be limited to the fullest extent permitted by applicable law. This disclaimer does not affect your statutory rights as a consumer in Malaysia or other applicable jurisdictions.