Legal Disclaimer
Important information about using followmsg's budget strategy educational materials and services
This disclaimer applies to all content, materials, and services provided by followmsg through our website at followmsg.com. By accessing or using our budget strategy educational resources, you acknowledge that you have read, understood, and agree to be bound by these terms.
The information presented here is meant to clarify the scope and limitations of our educational offerings. Please read this carefully before engaging with our materials or enrolling in any programs.
Educational Purpose Only
All content provided by followmsg, including articles, courses, tutorials, videos, and downloadable resources, is intended strictly for educational and informational purposes. Our materials are designed to help individuals develop knowledge and skills related to budget strategy and financial planning.
Our educational content should not be considered as professional financial advice, investment recommendations, or personalized financial planning services. We do not provide specific guidance tailored to your individual financial situation.
The budget strategies, techniques, and methodologies discussed in our materials represent general educational concepts. Your personal financial circumstances, risk tolerance, income level, and goals differ from others, and what works as a learning example may not suit your specific situation.
No Professional Advice Provided
followmsg does not provide professional financial advisory services, tax guidance, legal counsel, or investment recommendations. We are an educational platform focused on teaching budget strategy concepts and skills.
- We do not offer personalized financial planning or portfolio management services
- Our content does not constitute tax advice or guidance on tax-related matters
- We do not provide legal advice regarding financial contracts, regulations, or compliance
- Our materials should not replace consultation with qualified professionals in finance, tax, or law
- We are not licensed financial advisors, CPAs, or attorneys
Before making significant financial decisions, we strongly encourage you to consult with qualified professionals such as certified financial planners, tax advisors, or legal counsel who can assess your specific circumstances and provide appropriate guidance.
Information Accuracy and "As Is" Provision
While we make reasonable efforts to ensure our educational content is accurate and current as of the date of publication, financial information, regulations, and best practices evolve over time. We cannot guarantee that all information remains completely up-to-date or applicable to current market conditions.
All materials and services are provided "as is" without warranties of any kind, either express or implied. This includes but is not limited to:
- Warranties of accuracy, completeness, or currency of information
- Warranties of merchantability or fitness for a particular purpose
- Warranties regarding uninterrupted or error-free access to our platform
- Warranties that our content will meet your specific learning needs
Financial markets, tax laws, and economic conditions change frequently. Information that was accurate when published may become outdated. We recommend verifying current information with authoritative sources and qualified professionals before making financial decisions.
Limitation of Liability
To the maximum extent permitted by applicable law in Malaysia, followmsg and its directors, employees, instructors, and affiliates shall not be liable for any damages arising from your use of our educational materials or services.
This limitation applies to all types of damages, including but not limited to: direct damages, indirect damages, incidental damages, consequential damages, financial losses, lost profits, or any other losses resulting from your use or inability to use our content.
Specifically, we are not responsible for:
- Financial losses resulting from decisions made based on our educational content
- Investment outcomes or budget implementation results
- Consequences of applying strategies without professional guidance
- Technical issues, data loss, or interruptions in service access
- Errors, omissions, or inaccuracies in content despite our quality efforts
- Third-party content, links, or resources referenced in our materials
Your use of our educational platform and materials is entirely at your own risk. You assume full responsibility for evaluating the suitability of our content for your learning needs and any decisions you make based on knowledge gained through our resources.
Results and Outcomes Disclaimer
Educational achievement and the application of budget strategy skills vary significantly among individuals. We do not make promises or guarantees regarding specific outcomes, financial improvements, or career advancement resulting from completing our programs.
Any examples, case studies, testimonials, or success stories shared in our materials represent individual experiences and should not be interpreted as typical results. Your results may differ based on numerous factors including your current knowledge, dedication to learning, time invested, personal circumstances, and market conditions.
We specifically do not guarantee:
- Specific financial improvements or savings amounts
- Employment opportunities or career advancement
- Income increases or earning potential
- Debt reduction within certain timeframes
- Investment returns or financial outcomes
Success with budget strategy depends on consistent effort, personal discipline, individual circumstances, and factors beyond our control or the scope of educational content.
Third-Party Resources and External Links
Our educational materials may reference or link to third-party websites, resources, tools, or services for supplementary learning purposes. These references are provided for convenience and educational context only.
followmsg does not endorse, control, or assume responsibility for third-party content. We make no representations regarding the accuracy, quality, legality, or safety of external resources. Your interactions with third-party sites are governed by their own terms and policies.
We are not liable for any damages, losses, or issues arising from your use of third-party resources, even if referenced in our educational materials. Always exercise caution and conduct your own research when engaging with external sites or services.
Compliance with Malaysian Regulations
followmsg operates as an educational platform based in Malaysia. While our content may have international applicability, specific financial regulations, tax laws, and legal requirements vary by jurisdiction.
Our educational materials may discuss concepts, strategies, or examples that reference different regulatory environments. It is your responsibility to understand and comply with the laws and regulations applicable in your specific location.
If you are accessing our content from outside Malaysia, be aware that financial regulations, tax structures, and legal frameworks differ. Always consult with professionals familiar with your local jurisdiction before implementing strategies discussed in our educational materials.
Changes to This Disclaimer
We reserve the right to modify, update, or revise this disclaimer at any time to reflect changes in our services, legal requirements, or operational practices. Material changes will be posted on this page with an updated effective date.
Your continued use of followmsg's educational materials and services after changes are posted constitutes acceptance of the revised disclaimer. We encourage you to review this page periodically to stay informed about our current terms and limitations.