Terms of Service

The service

IZ Finance is a personal budgeting and net-worth tracking app. It's provided free of charge, as-is, and we may add, change, or remove features over time.

Not financial advice

IZ Finance is a tool to help you organise your own money. It does not provide financial, investment, tax, or legal advice, and nothing in the app — including AI-generated reports, splits, or projections — should be relied on as such. Decisions about your money are yours; consider a licensed professional for advice specific to your situation.

Your responsibilities

• Keep your login credentials secure; you're responsible for activity on your account.
• The figures and reports are only as accurate as the data you enter.
• Use the app lawfully and don't attempt to disrupt or abuse it.

Your data

Your use of the app is also governed by our Privacy Policy. You retain ownership of the data you enter.

Availability & liability

We aim to keep the app running but can't guarantee uninterrupted or error-free service. To the fullest extent permitted by law, IZ Finance is not liable for any loss arising from use of, or inability to use, the app. The service is provided without warranties of any kind.

Termination

You may stop using the app and request deletion of your account at any time. We may suspend access if these terms are breached.

Changes & governing law

We may update these terms; material changes will be reflected by the "last updated" date above. These terms are governed by the laws of Malaysia.

Contact

Reach us at hello@iz-finance.app.