General Information and Educational Purpose

The information provided on the Capitalvectors platform is intended solely for educational and informational purposes. Our flexible budgeting tools, financial literacy content, and related materials are designed to help users develop their understanding of personal finance management and budgeting concepts.

All content, including budgeting templates, financial planning guides, and educational resources, should not be construed as professional financial advice. Users are encouraged to seek qualified professional guidance for their specific financial situations and circumstances.

No Professional Advisory Relationship

Use of Capitalvectors services does not create a professional advisory relationship between you and our organization. We do not provide personalized financial advice, investment recommendations, or specific guidance tailored to individual financial situations.

• Financial decisions remain the sole responsibility of the user
• Professional consultation is recommended before making significant financial changes
• Our tools serve as educational aids rather than professional advice
• Individual circumstances may require specialized professional guidance

Users should always consult with qualified financial professionals, tax advisors, or legal experts when making important financial decisions or implementing significant changes to their financial planning strategies.

Accuracy and Information Limitations

While we make reasonable efforts to ensure the accuracy and currency of information provided through our platform, financial regulations, market conditions, and best practices evolve continuously. Information may become outdated or may not reflect the most current developments in financial management practices.

Users acknowledge that financial information and budgeting strategies may vary significantly based on individual circumstances, local regulations, and personal financial goals. What works effectively for one user may not be suitable for another's situation.

Financial markets, regulatory environments, and economic conditions change frequently. Users should verify current information and seek updated guidance when making financial decisions based on our educational materials.

Limitation of Liability

Capitalvectors, its employees, partners, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or special damages resulting from the use of our platform, educational materials, or budgeting tools.

• Financial losses resulting from decisions based on our educational content
• Missed opportunities or unforeseen financial consequences
• Technical issues affecting access to platform features or data
• Errors or omissions in educational materials or calculations
• Third-party content or external resources referenced through our platform

This limitation applies regardless of whether such damages were foreseeable and whether we were advised of the possibility of such damages. Users agree to use our services at their own risk and accept full responsibility for their financial decisions.

Our total liability for any claim related to the use of Capitalvectors services shall not exceed the amount paid by the user for such services during the twelve months preceding the claim.

User Responsibility and Risk Acknowledgment

Users acknowledge and accept full responsibility for their financial decisions and the consequences thereof. By using Capitalvectors services, you confirm that you understand the inherent risks associated with financial planning and budgeting decisions.

You agree to conduct your own due diligence and research before implementing any budgeting strategies or financial management techniques presented through our educational materials. Past performance or theoretical examples do not guarantee future results.

Users are responsible for evaluating the suitability of our educational content for their specific situations and for seeking professional guidance when appropriate. We encourage responsible financial management and informed decision-making based on comprehensive understanding of your personal financial position.

Platform Modifications and Service Availability

Capitalvectors reserves the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may update our educational content, modify platform features, or change service terms as needed to improve user experience or comply with regulatory requirements.

We cannot guarantee uninterrupted access to our platform or the continuous availability of all features. Technical maintenance, system updates, or unforeseen circumstances may temporarily affect service availability.

• Service interruptions may occur for maintenance or technical reasons
• Content updates may result in temporary unavailability of materials
• Feature modifications may change user interface or functionality
• Terms and conditions may be updated to reflect service changes

Users will be notified of significant changes through our platform or via registered contact information. Continued use of our services following modifications constitutes acceptance of updated terms and conditions.

Intellectual Property and Usage Rights

All content, including educational materials, budgeting templates, guides, and platform features, remains the intellectual property of Capitalvectors. Users are granted limited rights to access and use these materials for personal educational purposes only.

Redistribution, modification, or commercial use of our content without explicit written permission is strictly prohibited. Users may not reproduce, publish, or distribute our educational materials through other platforms or channels.

Users retain ownership of personal financial data entered into our platform while granting us necessary rights to provide services effectively. We respect user privacy and handle personal information according to our comprehensive privacy policy.

Regulatory Compliance and Jurisdiction

These terms and the use of Capitalvectors services are governed by Malaysian law. Any disputes arising from the use of our platform or educational materials shall be resolved through Malaysian courts and regulatory frameworks.

Users accessing our services from other jurisdictions are responsible for compliance with their local laws and regulations. Financial regulations vary significantly between countries, and users must ensure their actions comply with applicable local requirements.

If any provision of this disclaimer is found to be unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, while the remainder of the terms shall remain in full effect.

• Malaysian law governs all aspects of service provision and user agreements
• International users must comply with their local financial regulations
• Disputes will be resolved through appropriate Malaysian legal channels
• Partial invalidity does not affect the enforceability of remaining provisions