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OnePlanner Terms of Service

These Terms of Service ("Terms") govern access to and use of the OnePlanner platform (the "Service") provided by ONEPLANNER TECHNOLOGIES (Registration No. 202503272767 (NS0314486-M)) ("we", "us"). By registering for, accessing, or using the Service, the financial planning firm entering into this agreement (the "Firm") and its authorized users (each a "Planner") agree to be bound by these Terms.

Last Updated: July 23, 2026

1. Who These Terms Apply To

The Firm is our customer. Planners are authorized users of the Service acting under the Firm's account, license, and instructions. Nothing in these Terms creates a direct contractual relationship between OnePlanner and any Client whose data a Planner enters into the Service — the Firm remains solely responsible for its relationship with, and obligations to, its Clients.

2. The Service

OnePlanner is a customer relationship management platform that allows Planners to manage Clients' financial profiles, including goals, debt, insurance, investments, retirement planning, tax information, and AI-assisted analysis and reporting. The Service is provided on a software-as-a-service basis; we do not provide financial, investment, tax, or legal advice, and nothing generated by the Service (including AI-generated content) constitutes such advice. The Firm and its Planners remain solely responsible for the advice they give their Clients and for compliance with all licensing and regulatory obligations applicable to their practice.

3. Accounts and Access

  • The Firm's designated Owner(s) are responsible for provisioning and deprovisioning Planner accounts, and for configuring access controls appropriately within the Service.
  • Planners are responsible for keeping login credentials confidential and must notify us promptly at support@oneplannerapp.com of any suspected unauthorized access.
  • The Firm is responsible for ensuring it has a lawful basis and, where required, Client consent, to enter Client personal data into the Service.

4. Data Processing and the PDPA

  • As between the Firm and OnePlanner, the Firm is the data user ("controller") with respect to Client personal data entered into the Service, and OnePlanner is the data processor acting solely on the Firm's instructions, as further described in our Privacy Policy.
  • We will implement appropriate technical and organizational measures to protect Client personal data, as described in our Security Policy.
  • We will notify the Firm without undue delay if we become aware of a personal data breach affecting Client data processed under this agreement, to enable the Firm to meet its own PDPA notification obligations.
  • The Firm shall not enter into the Service any personal data it is not lawfully entitled to process, or any data (e.g. health data beyond what's needed for insurance/financial planning purposes, or other sensitive categories) inconsistent with the intended use of the Service.

5. Fees and Billing

Fees, billing cycles, discount arrangements, and payment terms are as set out in the Firm's order form or account settings, and are further governed by our Refund and Billing Policy, which is incorporated into these Terms by reference.

6. Acceptable Use

The Firm and its Planners will not:

  • Use the Service to store or process data unrelated to legitimate financial planning services for the Firm's own Clients.
  • Attempt to access another Firm's data, circumvent access controls, or probe, scan, or test the vulnerability of the Service without our prior written authorization.
  • Use the Service in a way that violates applicable law, including PDPA, or any professional or regulatory obligation applicable to financial planners in Malaysia.
  • Use automated means to extract data from the Service at scale outside normal product functionality (e.g. scraping).

We may suspend access for a violation of this section, with notice where practicable.

7. Intellectual Property

We retain all rights in the Service, including its software, design, and underlying technology. The Firm retains ownership of Client data it enters into the Service ("Firm Data"). We are granted a limited license to Firm Data solely to provide, maintain, and improve the Service (including AI-assisted features) for the Firm, subject to our Privacy Policy.

8. AI-Generated Content

AI features may generate summaries, analyses, or draft reports based on Firm Data. These outputs are provided as a drafting aid only. The Firm and its Planners are responsible for reviewing, verifying, and taking professional responsibility for any AI-generated content before relying on it or sharing it with a Client. We do not warrant the accuracy or completeness of AI-generated output.

9. Confidentiality

Each party will protect the other's confidential information with at least the same degree of care it uses for its own confidential information of similar nature, and will not disclose it except as permitted by these Terms or required by law.

10. Warranties and Disclaimers

The Service is provided "as is" and "as available." Except as expressly stated in these Terms, we disclaim all implied warranties to the maximum extent permitted by Malaysian law, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free.

11. Limitation of Liability

To the maximum extent permitted by law, our aggregate liability arising out of or relating to these Terms shall not exceed the fees paid by the Firm for the Service in the 12 months preceding the claim. Neither party is liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, data, or goodwill, except in each case for: (a) a party's breach of confidentiality obligations, (b) a party's indemnification obligations, or (c) liability that cannot be excluded under Malaysian law.

12. Indemnification

The Firm will indemnify and hold us harmless from claims arising from: (a) the Firm's or a Planner's breach of these Terms, (b) Client data the Firm was not lawfully entitled to submit to the Service, or (c) the Firm's or its Planners' provision of financial advice to Clients.

13. Term and Termination

These Terms remain in effect for as long as the Firm has an active subscription. Either party may terminate for the other's uncured material breach on 30 days' written notice. Upon termination, the Firm may export Firm Data for 90 days, after which we may delete it, subject to our data retention obligations described in the Privacy Policy.

14. Changes to These Terms

We may update these Terms from time to time. We will notify the Firm of material changes at least 30 days before they take effect. Continued use of the Service after that date constitutes acceptance.

15. Governing Law and Disputes

These Terms are governed by the laws of Malaysia, and the parties submit to the exclusive jurisdiction of the courts of Kuala Lumpur.

16. Contact

ONEPLANNER TECHNOLOGIES (Registration No. 202503272767 (NS0314486-M))
P.O. Box 10251, GPO Kuala Lumpur, 50708 WPKL
Contact: support@oneplannerapp.com

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