1. Acceptance of Terms

By accessing or using the AddOriginFlowMatrix platform at addoriginflowmatrix.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and AddOriginFlowMatrix regarding your use of our goal budget planning services.

If you do not agree with any part of these terms, you must discontinue use of our platform immediately. Your continued use of our services following any modifications to these terms constitutes acceptance of those changes.

2. Description of Services

AddOriginFlowMatrix provides digital financial planning tools designed to assist users in budget planning and goal setting. Our platform offers educational resources, planning templates, and tracking capabilities to support personal financial management.

Service Limitations

• Our platform provides educational tools and information for personal financial planning
• We do not provide personalized financial advice or investment recommendations
• Results may vary based on individual circumstances and commitment to planning processes
• Platform availability is subject to maintenance schedules and technical requirements

3. User Obligations and Responsibilities

As a user of our platform, you agree to maintain the confidentiality of your account information and accept responsibility for all activities that occur under your account. You must provide accurate and complete information during registration and keep your account information updated.

Prohibited Uses

• Using the platform for any unlawful purpose or in violation of applicable regulations
• Attempting to gain unauthorized access to system resources or user accounts
• Transmitting viruses, malware, or other harmful code through our platform
• Interfering with or disrupting the integrity or performance of our services
• Creating multiple accounts or sharing account credentials with others

4. Intellectual Property Rights

All content, features, and functionality on the AddOriginFlowMatrix platform, including but not limited to text, graphics, logos, software, and design elements, are owned by AddOriginFlowMatrix and protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal financial planning purposes. This license does not permit you to reproduce, distribute, modify, or create derivative works from our content without express written permission.

5. Privacy and Data Protection

We are committed to protecting your personal information and financial data. Our collection, use, and protection of your information is governed by our Privacy Policy, which forms an integral part of these Terms of Use.

By using our platform, you consent to the collection and processing of your information as described in our Privacy Policy. We implement appropriate security measures to protect your data, though we cannot guarantee absolute security of information transmitted over the internet.

6. Disclaimers and Limitations

AddOriginFlowMatrix provides its services on an "as is" and "as available" basis. We make no warranties or representations about the accuracy, completeness, or suitability of our platform for any particular purpose.

• We disclaim all warranties, express or implied, including merchantability and fitness for specific purposes
• We are not liable for any direct, indirect, incidental, or consequential damages arising from platform use
• Our liability is limited to the maximum extent permitted by applicable law
• We do not guarantee uninterrupted or error-free operation of our services

7. Account Termination

You may terminate your account at any time by contacting our support team or using the account closure feature in your user dashboard. We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited activities.

Upon termination, your access to the platform will cease, and we may delete your account data in accordance with our data retention policies. You remain responsible for any charges incurred prior to termination.

8. Modifications and Updates

We reserve the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated through email notification or prominent notice on our platform.

Your continued use of our services following the posting of revised terms constitutes acceptance of those changes. We encourage you to review these terms periodically to stay informed of any updates.

9. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Malaysia, without regard to conflict of law principles. Any disputes arising from these terms or your use of our platform shall be subject to the exclusive jurisdiction of the courts in Kuantan, Pahang, Malaysia.

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.