Money&Duit Terms of Service

Last Updated: 26 December 2025

Welcome to Money&Duit, a financial assessment portal managed by Top Cemerlang Wealth Advisory. By accessing or using our website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use our services.

1. Acceptance of Terms

By creating an account or using the tools provided on the Money&Duit portal, you confirm that you are at least 18 years old and legally capable of entering into binding contracts.

2. Description of Services

Money&Duit provides digital tools for financial health checks, cash flow monitoring, and wealth estimation ("Services").

Informational Purpose Only: The calculations, graphs, and "Safety Factors" generated by this portal are for illustrative and educational purposes only. They are based on the data you input and standard financial formulas.
Not Professional Advice: While this portal is managed by licensed professionals, the automated results do not constitute a formal financial prescription, tax advice, or legal advice. You should consult with one of our planners before making significant financial decisions based on these figures.

3. User Accounts & Security

Registration: You agree to provide accurate email and username information.
Security: You are responsible for maintaining the confidentiality of your login credentials. You accept responsibility for all activities that occur under your account.
Notification: You must notify us immediately at topcemerlanghq@gmail.com if you suspect any unauthorized use of your account.

4. User Responsibilities

You agree not to:

Use the portal for any unlawful purpose.
Input false or misleading financial data intended to deceive regulators or third parties.
Attempt to reverse-engineer, hack, or disrupt the portal's infrastructure.
Reproduce, duplicate, or sell any portion of the Service without express written permission from us.

5. Intellectual Property

All content, design, graphics, code, and "Financial Engineering" methodologies on this site are the intellectual property of Top Cemerlang Wealth Advisory and are protected by Malaysian copyright laws. You retain ownership of the specific financial data you input.

6. Disclaimer of Warranties

The Service is provided on an 'AS IS' and 'AS AVAILABLE' basis.

We do not guarantee that the mathematical projections (e.g., investment returns) will strictly match future market performance.
We do not warrant that the site will be error-free or uninterrupted, though we strive for high uptime and accuracy.

7. Limitation of Liability

To the fullest extent permitted by Malaysian law, Top Cemerlang Wealth Advisory, its directors, and employees shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

Your use or inability to use the portal.
Financial decisions made based on the automated data provided by the portal.
Unauthorized access to or alteration of your transmissions or data.

8. Privacy Policy

Your use of the portal is also governed by our Privacy Notice, which outlines how we collect and use your data. By using the Service, you consent to the practices described in that Notice.

9. Modifications to Terms

We reserve the right to modify these Terms at any time. Significant changes will be communicated via email or a prominent notice on the portal. Continued use of the Service after changes constitutes acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these Terms shall be resolved in the courts of Malaysia.

11. Contact Information

For questions regarding these Terms, please contact us at:

Email: topcemerlanghq@gmail.com