Terms of Use

Last Updated: May 9, 2025

Welcome to Smartfocusrer. These Terms of Use govern your access to and use of our website, services, and platform. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By creating an account, accessing our website at smartfocusrer.info, or using any of our 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, you must not use our services.

2. Description of Services

Smartfocusrer provides financial data integration and synchronization services, enabling users to connect, manage, and analyze their financial information through our platform. Our services include data aggregation, synchronization tools, reporting features, and related functionalities as described on our website.

3. Account Registration and Security

3.1 Account Creation

To access certain features of our services, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Credentials

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3.3 Account Responsibility

You are solely responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to maintain account security.

4. Acceptable Use Policy

4.1 Permitted Use

You may use our services only for lawful purposes and in accordance with these Terms of Use. You agree to use our services in a manner consistent with applicable laws and regulations.

4.2 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Violating any applicable local, national, or international law or regulation
• Transmitting any material that is defamatory, obscene, fraudulent, or otherwise objectionable
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity
• Interfering with or disrupting the services or servers or networks connected to the services
• Attempting to gain unauthorized access to any portion of the services or any other systems or networks
• Using automated systems or software to extract data from our services without our express written permission
• Reverse engineering, decompiling, or disassembling any aspect of our services
• Uploading or transmitting viruses, malware, or any other malicious code
• Collecting or harvesting any personally identifiable information from the services
• Using the services for any commercial purpose without our prior written consent

5. Intellectual Property Rights

5.1 Our Content

All content, features, and functionality of our services, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and the compilation thereof, are the exclusive property of Smartfocusrer or our licensors and are protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License

Subject to these Terms of Use, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our services for your personal or internal business purposes. This license does not include any rights to reproduce, distribute, modify, or create derivative works from our content.

5.3 Trademarks

The Smartfocusrer name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Smartfocusrer or our affiliates. You may not use such marks without our prior written permission.

5.4 User Content

You retain all rights to any content you submit, post, or display on or through the services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in connection with providing and promoting our services.

6. Data Integration and Financial Information

6.1 Third-Party Connections

Our services may allow you to connect to third-party financial institutions, platforms, and services. You acknowledge that such connections are subject to the terms and conditions of those third parties, and we are not responsible for the availability, accuracy, or reliability of third-party services.

6.2 Data Accuracy

While we strive to ensure the accuracy of data synchronization and integration, we do not guarantee that all data will be complete, accurate, or current. You are responsible for verifying the accuracy of any financial data obtained through our services.

6.3 Authorization

By connecting third-party accounts to our services, you represent and warrant that you have the authority to access and share data from those accounts and that you have obtained any necessary consents or permissions.

7. Fees and Payment

7.1 Service Fees

Certain aspects of our services may require payment of fees. All fees are stated on our website and are subject to change with reasonable notice. You agree to pay all applicable fees as described at the time of purchase or subscription.

7.2 Payment Terms

Payment for services must be made in accordance with the payment terms presented to you at the time of purchase. You authorize us to charge your designated payment method for all fees incurred.

7.3 Refunds

All fees are non-refundable except as required by law or as expressly stated in our refund policy. We reserve the right to modify our refund policy at any time.

7.4 Automatic Renewal

Subscription-based services may automatically renew at the end of each subscription period unless you cancel your subscription before the renewal date. You will be charged the then-current subscription fee upon renewal.

8. Term and Termination

8.1 Term

These Terms of Use remain in effect while you use our services or maintain an account with us.

8.2 Termination by You

You may terminate your account at any time by following the account closure procedures available through our services or by contacting us at [email protected].

8.3 Termination by Us

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, with or without notice, effective immediately. We may terminate your account for violation of these Terms of Use, fraudulent activity, or any other reason we deem appropriate.

8.4 Effect of Termination

Upon termination, your right to use our services will immediately cease. All provisions of these Terms of Use that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Disclaimers and Warranties

9.1 No Warranty

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

9.2 Service Availability

We do not warrant that our services will be uninterrupted, timely, secure, or error-free. We do not warrant that the results obtained from the use of our services will be accurate or reliable.

9.3 No Financial Advice

Our services are designed to provide data integration and synchronization tools only. We do not provide financial, investment, tax, or legal advice. You should consult with qualified professionals before making any financial decisions.

9.4 Third-Party Services

We are not responsible for any third-party services, content, or websites that may be accessed through our services. Any reliance on such third-party services is at your own risk.

10. Limitation of Liability

10.1 Exclusion of Damages

To the fullest extent permitted by law, Smartfocusrer, its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use our services
• Any conduct or content of any third party on our services
• Any content obtained from our services
• Unauthorized access, use, or alteration of your transmissions or content

10.2 Liability Cap

In no event shall our aggregate liability for all claims relating to our services exceed the amount you paid to us, if any, in the twelve months preceding the event giving rise to liability, or one hundred dollars, whichever is greater.

10.3 Basis of Bargain

The limitations of liability set forth in this section reflect a reasonable allocation of risk and are fundamental elements of the basis of the bargain between you and Smartfocusrer. Our services would not be provided without such limitations.

11. Indemnification

You agree to defend, indemnify, and hold harmless Smartfocusrer, its affiliates, and their respective officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to:

• Your violation of these Terms of Use
• Your use of our services
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations
• Any content you submit, post, or transmit through our services

12. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

13. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. We will notify you of any material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after any such changes constitutes your acceptance of the new Terms of Use. If you do not agree to the modified terms, you must stop using our services.

14. Modifications to Services

We reserve the right to modify, suspend, or discontinue our services or any portion thereof at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of our services.

15. Communications

By using our services, you consent to receive electronic communications from us, including emails, notices, and messages through our platform. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

16. Dispute Resolution

16.1 Informal Resolution

If you have any dispute with us, you agree to first contact us at [email protected] and attempt to resolve the dispute informally. We will attempt to resolve any dispute through good faith negotiations.

16.2 Binding Arbitration

If we cannot resolve a dispute informally, any dispute arising out of or relating to these Terms of Use or our services shall be resolved through binding arbitration in accordance with the rules of a recognized arbitration organization. The arbitration shall be conducted by a single arbitrator and shall take place in a mutually agreed location or remotely.

16.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You expressly waive your right to participate in a class action lawsuit or class-wide arbitration.

17. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws applicable to contracts entered into and performed entirely within the jurisdiction where Smartfocusrer operates, without regard to conflict of law principles.

18. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its intent.

19. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices or agreements published by us on our services, constitute the entire agreement between you and Smartfocusrer regarding your use of our services and supersede all prior or contemporaneous understandings and agreements, whether written or oral.

20. Assignment

You may not assign or transfer these Terms of Use or your rights and obligations hereunder without our prior written consent. We may assign or transfer these Terms of Use or our rights and obligations hereunder to any third party without restriction or notification.

21. Waiver

No waiver of any term or condition of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

22. Force Majeure

We shall not be liable for any failure or delay in performance of our obligations under these Terms of Use due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

23. Export Control

You agree to comply with all applicable export and re-export control laws and regulations in connection with your use of our services. You represent and warrant that you are not located in a country subject to embargo and that you are not listed on any list of prohibited or restricted parties.

24. Contact Information

If you have any questions, concerns, or complaints regarding these Terms of Use or our services, please contact us:

Smartfocusrer
Suria Mutiara, 6, Jalan Grik
Green Lane, 31350 Jelutong
Pulau Pinang, Malaysia

Phone: +60168122000
Email: [email protected]
Signal: https://signal.me/#p/+60168122000

25. Acknowledgment

By using our services, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by them. If you do not agree to these terms, you are not authorized to use our services.