Terms of Service

Plain-language summary: MavWise is a personal-finance tracker provided "as-is". You're responsible for your own financial decisions. We're not a licensed financial advisor under the Capital Markets and Services Act 2007. By using MavWise you agree to the terms below.

1. Acceptance

By creating an account or using MavWise (the "Service"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the Service.

2. Eligibility

You must be at least 18 years old and legally capable of entering a contract under Malaysian law (Contracts Act 1950). Trial accounts may be revoked at any time at our discretion.

3. Service description

MavWise provides budgeting tools, AI-generated coaching, debt-payoff simulations, emergency-fund tracking, gamification rewards, and other personal-finance utilities. Outputs are educational and informational only. Nothing in the Service constitutes:

• licensed financial, investment, tax, accounting or legal advice;
• a recommendation to buy, sell, or hold any security or financial product;
• a substitute for professional consultation with a licensed financial planner or accountant.

4. Your responsibilities

• Provide accurate information when signing up.
• Keep your password confidential. You are responsible for activity under your account.
• Do not upload data belonging to other people without their consent.
• Do not attempt to reverse engineer, scrape, or abuse the AI features (e.g. prompt-injection, automated farming of rewards).
• Do not use the Service for any illegal purpose under Malaysian law.

5. Subscriptions, tokens & rewards

During the trial period, the Service is provided free of charge. Reward tokens earned in-app have no monetary value, are not redeemable for cash, cannot be transferred between accounts, and may be revoked at any time to prevent abuse. Partner rewards (vouchers, discounts) are subject to the partner's own terms.

6. Intellectual property

The MavWise name, logo, dashboards, AI prompts and source code are owned by Maverick Intelligence Sdn Bhd. The data you enter (transactions, notes, photos) remains yours. You grant us a limited licence to store, process and analyse that data solely to provide the Service to you.

7. AI-generated content

The Service uses third-party language models (e.g. OpenAI). AI output can be wrong, outdated or hallucinated. Always verify before acting on it. We are not liable for losses arising from reliance on AI output.

8. Privacy & PDPA

Our handling of your personal data is governed by our Privacy Policy, drafted in accordance with the Malaysian Personal Data Protection Act 2010 (Act 709) and its 2024 amendments.

9. Termination

You may delete your account at any time by emailing us. We may suspend or terminate accounts that breach these terms or that show abuse, fraud, or attempt to harm other users. On termination we will delete your personal data within 90 days unless retention is required by law.

10. Disclaimer of warranties

The Service is provided "as-is" and "as-available" without warranties of any kind, whether express or implied. We do not warrant uninterrupted availability, accuracy of AI output, or freedom from bugs.

11. Limitation of liability

To the maximum extent permitted by Malaysian law, our total aggregate liability arising out of or relating to the Service shall not exceed the amount you have paid us in the 12 months preceding the claim, or RM 100, whichever is greater. We are not liable for indirect, consequential, or special damages, including loss of profits or data.

12. Governing law & dispute resolution

These terms are governed by the laws of Malaysia. Any dispute shall be first submitted to good-faith negotiation; failing which, to the Asian International Arbitration Centre (AIAC) in Kuala Lumpur under its Fast Track Arbitration Rules. Either party retains the right to seek injunctive relief in the Malaysian courts.

13. Changes to these terms

We may update these terms from time to time. Material changes will bump the version number above and prompt you to re-accept on next login. Continued use of the Service after a version bump constitutes acceptance.

14. Contact

Maverick Intelligence Sdn Bhd
Email: hello@mavwise.com
Data Protection Officer (DPO): dpo@mavwise.com

Last updated: 1 June 2026. This document is provided as a working draft and should be reviewed by qualified legal counsel before public release.