Terms of Service

Last updated: March 20, 2026

Acceptance of Terms

These Terms of Service govern your use of GigFlow and its services. By accessing and using our website, you agree to be bound by these terms in their entirety. If you do not agree with any part of these terms, you must discontinue your use of our platform immediately. We reserve the right to modify these terms at any time without prior notice. Your continued use of our services following any changes constitutes your acceptance of the revised terms. These terms apply to all users, including but not limited to freelancers, gig workers, and individuals seeking financial planning guidance related to irregular income, voluntary EPF contributions, SOCSO obligations, quarterly tax estimation, and business expense documentation.

User Obligations and Responsibilities

As a user of our platform, you agree to use our services lawfully and responsibly. You are solely responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. We require that you provide accurate, current, and complete information when registering and updating your profile. You must not engage in any unlawful activities, including but not limited to fraud, tax evasion, or misrepresentation of income sources. You agree to comply with all applicable Malaysian laws and regulations governing freelance work, gig economy activities, and financial planning. Additionally, you acknowledge that the information provided on our platform is for educational purposes and does not constitute professional financial, legal, or tax advice. You are responsible for verifying all information and consulting with qualified professionals before making financial decisions.

Intellectual Property Rights

All content on our platform, including but not limited to text, graphics, logos, images, guides, and frameworks related to freelancer finances, gig economy strategies, EPF contribution methods, SOCSO registration procedures, quarterly tax estimation, and business expense documentation, is the exclusive property of our organization or its content providers. These materials are protected by Malaysian copyright law and international copyright treaties. You are granted a limited, non-exclusive license to access and view this content for personal, non-commercial use only. You may not reproduce, modify, distribute, transmit, or republish any content without our express written permission. Unauthorized use of our intellectual property may result in legal action. Any trademarks, service marks, or logos displayed on our platform remain our property or the property of their respective owners. You agree not to use any of these marks without prior written consent from the appropriate rights holder.

Limitation of Liability

Our platform is provided on an “as-is” and “as-available” basis without warranties of any kind, either express or implied. We make no guarantees regarding the accuracy, completeness, reliability, or timeliness of any information provided, including frameworks for irregular income budgeting, voluntary EPF and SOCSO contribution guidance, quarterly tax estimation tools, and business expense documentation resources. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages. Your sole remedy for dissatisfaction with our services is to cease using them. To the maximum extent permitted by law, our total liability to you shall not exceed the amount you have paid to us, if any. We are not responsible for any financial losses, missed tax deadlines, or incorrect calculations resulting from reliance on our information without professional consultation.

Termination and Suspension

We reserve the right to terminate or suspend your access to our platform at any time, with or without cause, and with or without notice. Grounds for termination include but are not limited to violation of these terms, unauthorized use of our intellectual property, provision of false information, engagement in unlawful activities, or any conduct we deem harmful to our platform or other users. Upon termination, all rights granted to you under these terms will cease immediately. You remain liable for all obligations incurred prior to termination. We may retain information about your account and activity even after termination for legal, compliance, and record-keeping purposes. If your account is terminated due to violations, you may be prohibited from creating new accounts or accessing our services in the future. Termination does not relieve you of any obligations to comply with Malaysian tax laws, EPF regulations, SOCSO requirements, or other legal obligations related to your freelance or gig work activities.

Governing Law and Dispute Resolution

These Terms of Service are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. Any disputes arising from or relating to these terms or your use of our services shall be subject to the exclusive jurisdiction of the Malaysian courts. You agree to submit to the personal jurisdiction of such courts and waive any objections based on inconvenient forum. Before initiating legal proceedings, you agree to attempt resolution through good-faith negotiation. If negotiation fails, disputes may be escalated to mediation or arbitration as permitted under Malaysian law. We are committed to resolving user concerns fairly and transparently. However, we are not responsible for ensuring compliance with any specific financial planning strategies or tax calculations you implement based on our educational materials. You acknowledge that seeking professional advice from qualified accountants, tax consultants, and financial advisors registered in Malaysia is essential for proper implementation of any financial planning framework.

Updates and Modifications

We may update, modify, or discontinue any aspect of our services, including frameworks, tools, and educational content, at any time without prior notice. We may also update these Terms of Service periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes to these terms, we will provide notice by updating the “Last updated” date at the top of this document. Your continued use of our platform following any modifications constitutes your acceptance of the revised terms. We encourage you to review these terms regularly to stay informed of any changes. If you do not agree with any modifications, you must discontinue your use of our services. We reserve the right to add, remove, or modify any features, content, or services offered on our platform, including guidance on irregular income budgeting, voluntary EPF contributions, SOCSO obligations, quarterly tax estimation, and business expense documentation practices.