Terms of Service

1. Introduction and Service Description

TaxSaverAI ("we," "our," "us," or "Company") operates the TaxSaverAI website and mobile application (collectively, the "Service"). These Terms of Service ("Terms"), along with our Privacy Policy and Cookie Policy, constitute the entire legal agreement between you ("User," "you," or "your") and TaxSaverAI regarding your access to and use of the Service.

TaxSaverAI is a digital tax optimization platform designed to help Malaysian residents and businesses organize, track, and categorize receipts for tax relief purposes. Our Service provides tools for receipt management, tax relief calculations, and referral program participation. The Service is provided on an as-is basis and is intended as a supplementary tool to support tax planning, not as a substitute for professional tax advisory services.

2. User Eligibility and Account Registration

Age and Legal Capacity: By accessing and using TaxSaverAI, you represent that you are at least 18 years of age and possess the legal authority to enter into this agreement. If you are using the Service on behalf of a business entity, you represent that you are authorized to bind that entity to these Terms.

Registration Requirements: To access certain features of the Service, you must create an account ("Account") by providing accurate, current, and complete information. This includes but is not limited to your full name, email address, phone number, country code, and tax bracket. You agree to maintain the accuracy of your account information and promptly update any changes.

Account Responsibility: You are solely responsible for all activity occurring under your Account. You agree to keep your login credentials confidential and to notify us immediately at johnsonpong96@gmail.com if you suspect unauthorized access. You are liable for all activities conducted through your Account, whether authorized by you or not.

3. Acceptable Use Policy

You agree to use TaxSaverAI only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the Service. Prohibited behaviors include:

• Submitting false, misleading, or fraudulent information in receipt uploads or account details
• Using the Service for unlawful tax evasion, money laundering, or any criminal activity
• Attempting to gain unauthorized access to our systems, databases, or accounts
• Disrupting the normal operation of the Service through hacking, denial-of-service attacks, or similar means
• Reverse-engineering, decompiling, or attempting to derive source code from our platform
• Selling, trading, or transferring your Account or access rights to third parties
• Engaging in any form of harassment, abuse, or threatening behavior toward our staff or other users
• Uploading or transmitting malware, viruses, or any harmful code
• Using automated tools, bots, or scripts to access the Service without authorization

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your Account without refund.

4. Receipt Submission and User Content

Responsibility for Content: You retain ownership of all receipts, documents, and information you submit to TaxSaverAI ("User Content"). By uploading receipts to our Service, you represent and warrant that:

• You have the legal right to submit the content and grant us the rights described herein
• The information is accurate, complete, and truthful
• The receipt corresponds to a genuine transaction you participated in
• The receipt does not contain fraudulent, false, or misleading information
• You have obtained all necessary permissions if the receipt involves other parties

License Grant: You grant TaxSaverAI a worldwide, non-exclusive, royalty-free license to use, store, process, and analyze your User Content solely for the purposes of providing the Service, improving our algorithms, and complying with legal obligations.

Deletion of Content: You may delete your User Content at any time through your Account settings. However, we may retain copies for backup, legal compliance, and fraud prevention purposes for up to 90 days after deletion.

5. Payment, Billing, and Subscription Terms

Subscription Plans: TaxSaverAI offers subscription plans (Basic Monthly at RM9/month and Premium Annual at RM49/year) with varying features and receipt upload limits. By selecting a plan, you authorize automatic recurring billing to your payment method on file.

Billing Cycle: For monthly subscriptions, billing occurs on the same date each month. For annual subscriptions, billing occurs annually on the anniversary of your subscription start date. All prices are in Malaysian Ringgit (RM) and exclude applicable taxes and fees, which you are responsible for paying.

Payment Methods: We process payments through Stripe, a third-party payment processor. Your payment information is governed by Stripe's terms and privacy policy. We do not store your complete credit card information on our servers.

Failed Payments: If a payment fails, we will attempt to process it again. If payment continues to fail after multiple attempts, we reserve the right to suspend your Account until payment is received. You remain responsible for any outstanding charges during suspension.

Refund Policy: Monthly subscriptions may be cancelled at any time. Upon cancellation, you will retain access until the end of your billing cycle, after which your Account will revert to limited free tier features. No refunds are issued for partial months. Annual subscriptions may not be refunded once purchased, except as required by applicable law.

6. Cancellation and Termination

User Cancellation: You may cancel your subscription at any time by accessing your Account settings or contacting us at johnsonpong96@gmail.com. Cancellation is effective at the end of your current billing cycle unless otherwise specified.

Company Termination: TaxSaverAI reserves the right to suspend or terminate your Account at any time, with or without cause, with or without notice. Reasons for termination may include but are not limited to: violation of these Terms, fraudulent activity, non-payment, or legal compliance requirements.

Effect of Termination: Upon termination, your right to use the Service ceases immediately. We will retain your User Content for 90 days from termination before permanent deletion, during which you may request a data export. After 90 days, all your data will be deleted from our active systems.

7. Referral Program and Affiliate Commissions

Program Eligibility: Our referral program allows users to earn commissions by referring others to TaxSaverAI. All users with active subscriptions are eligible to participate. Each user receives a unique referral code (visible in Account settings) that they may share with prospective users.

Commission Structure: When a referred user purchases a subscription plan, you earn a commission based on their subscription value. Commission rates are displayed in your Account dashboard and are subject to change at our sole discretion with 30 days' notice.

Commission Payout: Commissions are tracked monthly and paid out via bank transfer or other method as determined by us. Minimum payout threshold may apply. Payouts typically occur within 15 business days of the end of each month.

Commission Forfeiture: Commissions are subject to forfeiture if: (a) the referred customer cancels their subscription within 60 days of sign-up, (b) the referred customer commits fraud or violates these Terms, (c) the referral code was obtained through deceptive or improper means, or (d) any chargeback or payment dispute occurs.

Affiliate Program Restrictions: You may not engage in deceptive promotional practices, such as false advertising, misleading claims about potential earnings, or spamming. Violation of referral program terms may result in immediate disqualification and forfeiture of accrued commissions.

8. Intellectual Property Rights

Ownership: All content, features, and functionality of TaxSaverAI—including but not limited to design, text, graphics, logos, button icons, images, video clips, data compilations, and software—are the exclusive property of TaxSaverAI, its suppliers, or other providers of such material and are protected by international copyright, trademark, and other intellectual property laws.

License to Users: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal or business purposes. This license does not include the right to: (a) copy, reproduce, or distribute any content without permission, (b) modify or create derivative works, (c) use any content for commercial purposes outside your subscription agreement, or (d) use any automated means to access or scrape the Service.

No License for Third Parties: Unless explicitly authorized, you may not provide access to the Service to third parties or allow others to use your Account.

9. Third-Party Services and Links

Third-Party Integrations: TaxSaverAI may integrate with third-party services such as WhatsApp, Stripe, and cloud storage providers. Your use of these third-party services is governed by their respective terms of service and privacy policies. We are not responsible for the performance, reliability, or security of third-party services.

External Links: The Service may contain links to external websites. We do not endorse, monitor, or assume responsibility for the content, accuracy, or practices of external websites. Your use of external websites is at your own risk and subject to their terms of service.

Availability: We are not responsible for the availability or functionality of third-party services. If a third-party service becomes unavailable, we will make reasonable efforts to provide alternative solutions or notify you of any service interruptions.

10. Limitation of Liability and Disclaimers

Service Provided "As-Is": TaxSaverAI is provided on an "as-is" and "as-available" basis. We make no warranties, representations, or guarantees of any kind, whether express or implied, regarding the Service, including warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy.

Tax Advisory Disclaimer: TaxSaverAI is NOT a substitute for professional tax advice, accounting services, or legal counsel. The calculations, categorizations, and estimations provided by our Service are for informational purposes only and do not constitute tax or financial advice. You are solely responsible for verifying all information and consulting with qualified tax professionals before making tax filings, claiming deductions, or making financial decisions.

No Guarantee of Results: We make no representations regarding the accuracy of tax relief calculations, the amount of tax savings you may achieve, or the success of any tax optimization strategies. Individual circumstances vary widely, and results are not guaranteed.

Accuracy of Data: While we strive to maintain accurate information, we do not warrant the accuracy, completeness, or timeliness of any data provided through the Service. You are responsible for verifying all information before relying upon it.

Limitation of Damages: TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL TAXSAVERAI BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, LOSS OF DATA, LOSS OF USE, OR ANY OTHER INDIRECT LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR RM100, WHICHEVER IS GREATER.

Services Interruption: We are not liable for any interruption, suspension, or cessation of the Service due to system failures, maintenance, security breaches, force majeure, or circumstances beyond our reasonable control.

11. Indemnification

You agree to indemnify, defend, and hold harmless TaxSaverAI, its officers, directors, employees, agents, and affiliates from and against any and all claims, demands, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Service, (b) your violation of these Terms, (c) your User Content or statements made about the Service, (d) any infringement of third-party intellectual property rights, (e) fraudulent, false, or misleading information you provide, or (f) any harm caused by your referral activities.

12. Data Security and Privacy

Security Measures: We implement industry-standard security measures, including encryption, firewalls, and secure authentication protocols, to protect your personal information and financial data. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Responsibility: You are responsible for maintaining the confidentiality of your login credentials and for protecting your Account from unauthorized access. Do not share your password or account information with anyone.

Privacy Policy: Your use of personal data is governed by our separate Privacy Policy, which complies with the Malaysian Personal Data Protection Act (PDPA). Please review our Privacy Policy to understand our data handling practices.

13. Modifications to Terms and Service

Changes to Terms: We reserve the right to modify these Terms at any time. Material changes will be communicated via email to your registered address or by posting a notice on our website. Your continued use of the Service after notification constitutes acceptance of the updated Terms. If you do not agree to any modification, you must cease using the Service and cancel your Account.

Service Changes: TaxSaverAI is under continuous development. We may add, remove, or modify features at our sole discretion. We will strive to provide notice of significant changes, but we are not obligated to do so.

14. Dispute Resolution and Governing Law

Governing Law: These Terms and your use of the Service are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles.

Jurisdiction: Any legal action or proceeding arising under or relating to these Terms shall be brought exclusively in the courts located in Kuala Lumpur, Malaysia, and you hereby consent to the personal jurisdiction and venue of such courts.

Informal Resolution: Before initiating any legal action, you agree to attempt to resolve disputes informally by contacting us at johnsonpong96@gmail.com with a detailed description of the issue. We will attempt to resolve your concern within 14 days.

15. Contact Information

For questions about these Terms of Service, or to report violations, please contact us at: