Terms of Service

1. Acceptance of Terms

By accessing and using JustCheck.my ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use the Service.

2. Description of Service

JustCheck.my provides free utility calculators and tools designed to help Malaysians make informed decisions about financial planning, transportation, property, career, health, and cultural events. All calculations are provided for informational and educational purposes only.

3. No Professional Advice Disclaimer

3.1 General Disclaimer

The tools and calculators provided on JustCheck.my are estimation tools only and should not be considered as:

• Professional financial advice
• Legal advice
• Tax advice
• Medical or health advice
• Official guidance from regulatory bodies

3.2 Accuracy of Information

While we strive to ensure all calculations use accurate and up-to-date Malaysian standards (EPF rates, LHDN tax brackets, JPJ roadtax, etc.), rates and regulations may change. We update our tools regularly, but regulations can move faster than we do. Users are responsible for verifying critical information with official sources before making decisions.

3.3 Individual Circumstances

Our calculators provide generalized estimates. Your specific situation may involve unique factors not covered by our tools. Always consult with qualified professionals (financial advisors, lawyers, tax consultants, doctors) for personalized advice.

4. Use of Calculators

4.1 Acceptable Use

You agree to use JustCheck.my calculators:

• For personal, non-commercial purposes
• In accordance with all applicable Malaysian laws
• Without attempting to manipulate, hack, or damage the Service

4.2 Prohibited Use

You agree NOT to:

• Use the Service for any unlawful purpose
• Attempt to reverse-engineer our calculation algorithms
• Scrape or extract data systematically using bots
• Redistribute our tools without written permission
• Claim our calculators as your own work
• Abuse our newsletter subscription system (spam signups, fake emails)

4.3 Results and Calculations

All calculation results are estimates based on inputs you provide. JustCheck.my is not responsible for:

• Errors in data you input
• Decisions made based on calculator results
• Financial losses incurred from using our estimates
• Miscalculations due to outdated regulatory information
• Differences between our estimates and actual quotes from financial institutions

5. Intellectual Property

5.1 Ownership

All content on JustCheck.my, including but not limited to:

• Calculator designs and interfaces
• Calculation methodologies
• Text, graphics, and logos
• Software code and algorithms
• Newsletter content and templates

...are owned by JustCheck.my or its licensors and are protected by Malaysian and international intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal purposes. This license does not include:

• Copying or modifying any materials
• Commercial use without our written consent
• Removing copyright or proprietary notices
• Redistributing our calculators or embedding them on other sites without permission

6. Third-Party Services and Links

6.1 External Links

JustCheck.my may contain links to third-party websites or services (e.g., banks, insurance providers, government portals). These links are provided for convenience only. We do not:

• Endorse or guarantee third-party services
• Control their content or privacy practices
• Accept responsibility for their terms or policies

6.2 Sponsored Content

Some calculators may include contextual sponsorships or affiliate links. These will be clearly labeled. Sponsored content does not influence our calculation accuracy or independence.

7. Data Collection and Privacy

7.1 Local Processing

All calculations are processed locally in your browser. We do not store the exact values you input into our calculators.

7.2 Usage Analytics

We collect anonymized, aggregated data about calculator usage to improve our tools. Instead of storing exact values, we group them into broad ranges (e.g., "RM 50,000–100,000"). This data helps us understand:

• Which calculators are most used
• What value ranges are common
• How to improve our tools

No personally identifiable information is collected from calculator inputs.

7.3 Browser Storage

Our tools may use browser localStorage and cookies to:

• Save your last calculation for convenience
• Remember your preferences
• Maintain site functionality

This data:

• Remains on your device only
• Can be cleared anytime using your browser settings
• Is not transmitted to our servers (except anonymized range data as described in 7.2)

7.4 Newsletter

If you subscribe to our newsletter:

• You provide your email address voluntarily
• You can unsubscribe at any time using the link in every email
• We will only use your email to send updates about new tools and features
• We will never sell or share your email with third parties

7.5 Analytics and Cookies

We use cookies and Google Analytics 4 (GA4) to understand general usage patterns. This tracks:

• Page views and navigation patterns
• General demographics (anonymized)
• Device and browser types
• Time spent on different calculators

GA4 does not capture your exact calculator inputs. For full details about data collection and your privacy rights, see our Privacy Policy.

8. Limitation of Liability

8.1 No Warranties

JustCheck.my is provided on an "AS IS" and "AS AVAILABLE" basis. We make no warranties, expressed or implied, regarding:

• Accuracy of calculations
• Uninterrupted service availability
• Fitness for a particular purpose
• Merchantability
• That the Service will meet your specific requirements

8.2 Liability Cap

To the maximum extent permitted by Malaysian law, JustCheck.my and its operators shall NOT be liable for:

• Direct, indirect, incidental, or consequential damages
• Financial losses from decisions based on our calculators
• Errors or omissions in calculator results
• Service interruptions or technical issues
• Third-party actions or content
• Data loss or corruption
• Any damages exceeding RM 100 (if liability cannot be excluded by law)

8.3 User Responsibility

You acknowledge that:

• Calculator results are estimates, not guarantees
• You are solely responsible for decisions made using our tools
• You should verify critical information with official sources (KWSP, JPJ, LHDN, banks, etc.)
• Professional advice should be sought for major life decisions
• Our calculators cannot account for every unique circumstance

9. Regulatory Information Sources

Our calculators reference the following Malaysian regulatory bodies and standards (subject to change):

Financial:

• Employees Provident Fund (EPF/KWSP)
• Lembaga Hasil Dalam Negeri (LHDN/IRB)
• Bank Negara Malaysia (BNM)
• Securities Commission Malaysia (SC)

Automotive:

• Jabatan Pengangkutan Jalan (JPJ)
• Persatuan Insurans Am Malaysia (PIAM)

Government:

• Malaysian Personal Data Protection Act (PDPA) 2010
• Companies Commission of Malaysia (SSM)
• Ministry of Health Malaysia (MOH)

Users should consult official websites for the most current information. We update our calculators regularly but cannot guarantee real-time accuracy with every regulatory change.

10. User-Generated Content

10.1 Feedback and Suggestions

If you provide feedback, suggestions, or tool ideas to JustCheck.my:

• You grant us a non-exclusive, royalty-free, worldwide license to use them
• We are not obligated to implement your suggestions
• We may use your ideas without compensation or attribution
• You confirm that your suggestions do not violate any third-party rights

10.2 Public Sharing

If you share calculator results publicly (social media, forums, blogs):

• You are responsible for what you share
• Do not share others' private financial information
• JustCheck.my is not liable for your sharing actions
• Please provide proper attribution when sharing our tools

11. Newsletter Subscription

11.1 Voluntary Subscription

Newsletter subscription is entirely optional. By subscribing, you:

• Consent to receive periodic emails about new tools, features, and updates
• Can unsubscribe at any time via the link in every email
• Confirm your email address is valid and belongs to you

11.2 Newsletter Content

Our newsletters may include:

• Announcements of new calculators
• Updates to existing tools
• Malaysian financial tips and insights
• Occasional relevant third-party offers (clearly labeled)

11.3 Unsubscribe Rights

You can unsubscribe at any time by:

• Clicking the unsubscribe link in any newsletter email
• Emailing us at support@justcheck.my with "Unsubscribe" in the subject line

We will process unsubscribe requests within 3 business days.

12. Service Modifications

12.1 Right to Modify

We reserve the right to:

• Modify or discontinue any calculator at any time
• Update calculation formulas to reflect regulatory changes
• Change the Service's features, layout, or design
• Introduce premium features or pricing (with advance notice)
• Suspend access for maintenance or improvements

12.2 No Obligation

We are not obligated to:

• Notify users of every minor change
• Maintain any specific calculator indefinitely
• Provide explanations for all modifications
• Preserve backwards compatibility

12.3 Major Changes

For significant changes that affect core functionality or introduce pricing:

• We will provide reasonable advance notice via website banner
• Newsletter subscribers will receive email notification
• Existing free features will remain free (grandfathered)

12.4 Updates to Terms

We may update these Terms of Service periodically. Changes will be:

• Posted on this page with an updated "Last Updated" date
• Effective immediately upon posting unless otherwise stated
• Notified to newsletter subscribers if changes are material

Continued use of the Service after changes constitutes acceptance of modified terms.

13. Termination

13.1 User Termination

You may stop using JustCheck.my at any time. To remove your data:

• Calculator data: Clear your browser's localStorage and cookies
• Newsletter: Click unsubscribe in any email or contact support@justcheck.my
• Analytics: Opt out of Google Analytics or use browser privacy settings

13.2 Our Rights

We reserve the right to:

• Suspend or terminate access for violations of these Terms
• Block IP addresses engaged in abusive behavior (scraping, hacking attempts)
• Remove or disable tools at our discretion
• Terminate newsletter subscriptions for bounced/invalid emails

13.3 Effect of Termination

Upon termination:

• Your license to use the Service ends immediately
• Any locally saved data remains on your device (we cannot delete it remotely)
• Newsletter subscription ends (we will delete your email per PDPA)
• Sections 5 (Intellectual Property), 8 (Limitation of Liability), and 14 (Governing Law) survive termination

14. Governing Law and Jurisdiction

• Malaysian Law: These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions.
• Dispute Resolution: Any disputes arising from these Terms or use of the Service shall be subject to the exclusive jurisdiction of the courts of Malaysia.
• Informal Resolution: Before initiating legal action, we encourage users to contact us at support@justcheck.my to resolve disputes informally. Most issues can be resolved through friendly communication.

15. Indemnification

You agree to indemnify and hold harmless JustCheck.my, its operators, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Decisions made based on calculator results

16. Severability

If any provision of these Terms is found to be invalid or unenforceable by a Malaysian court, the remaining provisions shall continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and JustCheck.my regarding the use of the Service, superseding any prior agreements or understandings.

18. Force Majeure

JustCheck.my shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

• Natural disasters
• Government actions or regulations
• Internet service failures
• Third-party service outages (hosting, analytics providers)
• Cyberattacks or security incidents

19. Contact Information

For questions about these Terms of Service, please contact us:

• Email: support@justcheck.my
• Website: https://justcheck.my
• Response Time: Within 7 business days for general inquiries

For urgent issues or PDPA-related requests, please mark your email subject line accordingly.

20. Acknowledgment

By using JustCheck.my, you acknowledge that:

• ✅ You have read and understood these Terms of Service
• ✅ You agree to use our calculators as estimation tools only
• ✅ You will verify critical information with official sources
• ✅ You will not hold JustCheck.my liable for decisions based on our tools
• ✅ You accept that calculations may contain errors or become outdated
• ✅ You are responsible for seeking professional advice when needed
• ✅ You understand we collect anonymized usage data to improve our tools
• ✅ You can opt out of newsletters and data collection as described in our Privacy Policy