Terms of Use

Last Updated: January 15, 2025

Welcome to ventariscapevia's budget forecasting platform. These Terms of Use govern your access to and use of our services, including our website, mobile applications, and related financial planning tools. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing ventariscapevia.sbs or any of our associated services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please discontinue use of our services immediately.

Important Notice:

These terms constitute a legally binding agreement between you and ventariscapevia. Your continued use of our services after any modifications to these terms constitutes acceptance of the updated terms.

Eligibility Requirements

You must be at least 18 years of age to use our services

You must have the legal capacity to enter into binding agreements

You must provide accurate and complete information during registration

You must not be prohibited from using our services under applicable laws

2. Description of Services

ventariscapevia provides comprehensive budget forecasting and financial planning services designed to help users manage their personal and business finances effectively. Our platform offers tools for expense tracking, income projection, and financial goal setting.

Service Components Include:

Budget creation and management tools, financial forecasting algorithms, expense categorization systems, income tracking features, goal-setting frameworks, and educational resources for financial literacy improvement.

Service Limitations

Our services are intended for informational and educational purposes. While we strive to provide accurate financial tools and insights, we do not guarantee specific financial outcomes or provide professional financial advice. Users should consult with qualified financial advisors for personalized financial planning.

3. User Responsibilities and Conduct

As a user of our services, you agree to use our platform responsibly and in accordance with these terms. You are solely responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

Prohibited Activities

Using our services for any illegal or unauthorized purpose

Attempting to gain unauthorized access to our systems or other users' accounts

Transmitting viruses, malware, or other harmful code

Interfering with or disrupting the integrity or performance of our services

Creating multiple accounts to circumvent restrictions or limitations

Using automated systems or bots to access our services without permission

Reproducing, duplicating, or copying any part of our services without authorization

Account Security:

You are responsible for maintaining the security of your login credentials. Notify us immediately if you suspect unauthorized access to your account. We are not liable for losses resulting from unauthorized use of your account.

4. Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information responsibly. Our data collection and processing practices are detailed in our Privacy Policy, which forms an integral part of these terms.

Data Collection and Use

We collect information necessary to provide our services, including personal details, financial information, and usage data. This information is used to deliver personalized budget forecasting, improve our services, and communicate with you about your account.

Data Security Measures:

We implement industry-standard security measures to protect your data, including encryption, secure servers, and regular security audits. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Intellectual Property Rights

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

License Grant

Subject to these terms, we grant you a limited, non-exclusive, non-transferable license to access and use our services for personal or business purposes. This license does not include the right to resell, distribute, or create derivative works based on our services.

User-Generated Content

By submitting content to our platform, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content solely for the purpose of providing our services. You retain ownership of your content and may delete it at any time.

6. Payment Terms and Billing

Our platform offers both free and premium services. Premium features require a subscription, and payment terms vary based on the selected plan. All fees are stated in Malaysian Ringgit (MYR) unless otherwise specified.

Subscription fees are billed in advance on a monthly or annual basis

Payment is due immediately upon subscription activation

We accept major credit cards and electronic payment methods

Refunds are handled according to our refund policy

Price changes will be communicated with 30 days' notice

Automatic Renewal:

Subscriptions automatically renew unless cancelled before the renewal date. You can cancel your subscription at any time through your account settings or by contacting our support team.

7. Disclaimers and Limitations

Our services are provided "as is" without warranties of any kind. We do not guarantee that our services will be uninterrupted, error-free, or completely secure. Financial projections and forecasts are estimates based on provided data and should not be considered as guaranteed outcomes.

Limitation of Liability

To the maximum extent permitted by law, ventariscapevia shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claims shall not exceed the amount you paid for our services in the twelve months preceding the claim.

Financial Advice Disclaimer:

Our tools and services are for educational and informational purposes only. We do not provide personalized financial advice, and our projections should not be considered as professional financial recommendations. Always consult with qualified financial advisors for important financial decisions.

8. Termination

Either party may terminate this agreement at any time. You may terminate your account by canceling your subscription or deleting your account through the platform settings. We may terminate or suspend your access for violations of these terms or for any other reason at our discretion.

Effects of Termination

Your access to premium features will cease immediately upon termination

Your data may be retained according to our data retention policy

Outstanding fees remain payable after termination

Certain provisions of these terms survive termination

9. Governing Law and Disputes

These terms are governed by the laws of Malaysia. Any disputes arising from these terms or your use of our services will be resolved through binding arbitration in accordance with Malaysian arbitration procedures, except where prohibited by law.

Dispute Resolution Process

Before initiating formal dispute resolution, we encourage users to contact our support team to resolve issues informally. If informal resolution fails, disputes will be handled through arbitration, which provides a faster and more cost-effective alternative to court proceedings.

10. Changes to Terms

We reserve the right to modify these terms at any time. Significant changes will be communicated through email notifications or prominent notices on our platform. Your continued use of our services after changes take effect constitutes acceptance of the updated terms.

Notification Process:

We will provide at least 30 days' notice for material changes to these terms. Minor updates may be implemented with shorter notice periods. We recommend reviewing these terms periodically to stay informed of any changes.

Contact Information

If you have questions about these Terms of Use, please contact us:

Address: Lot 1214, Seksyen 40, Batu 10, Lebuhraya Persekutuan
Off Jalan SS7/2, 47300 Petaling Jaya, Selangor, Malaysia

Phone: +60377273200

Email: info@ventariscapevia.sbs