Terms of Service
Service terms and conditions
Effective Date: December 19, 2025
These Terms of Service ("Terms") govern your use of Zelt Digital's digital accounting and tax services platform ("Service") operated by Ibn Zelt (SSM: 201403253913 / IP0418148-M) ("we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms.
1. Acceptance of Terms
By creating an account, accessing, or using our Service, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree to these Terms, you may not use our Service.
These Terms constitute a legally binding agreement between you and Zelt Digital. You must be at least 18 years old and have the legal capacity to enter into this agreement.
2. Description of Service
Zelt Digital provides digital accounting, bookkeeping, and tax services specifically designed for Malaysian businesses and individuals. Our services include:
- Digital bookkeeping and financial record management
- Tax preparation, planning, and compliance services
- Financial statement preparation and analysis
- Document management and e-signature solutions
- AI-powered financial insights and reporting
- Automated reminders and notification systems
- Client portal and dashboard access
3. User Accounts and Registration
Account Creation
- You must provide accurate and complete information during registration
- You are responsible for maintaining the confidentiality of your account credentials
- You must notify us immediately of any unauthorized access to your account
- You are solely responsible for all activities under your account
Account Security
- Use strong passwords and enable two-factor authentication when available
- Do not share your login credentials with unauthorized persons
- Log out of your account when using shared or public devices
- Report any security concerns or suspicious activity immediately
4. User Responsibilities and Conduct
Information Accuracy
- Provide accurate, complete, and timely financial information
- Ensure all uploaded documents are legitimate and unaltered
- Notify us promptly of any changes to your business or financial situation
- Maintain proper business records and documentation
Prohibited Activities
You agree not to:
- Use the Service for any illegal or fraudulent activities
- Upload malicious software, viruses, or harmful code
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the Service or its security features
- Use automated systems to access the Service without permission
- Share confidential information belonging to other users
- Violate any applicable laws or regulations
5. Service Availability and Modifications
We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We may:
- Perform scheduled maintenance and updates
- Temporarily suspend service for technical reasons
- Modify features and functionality with reasonable notice
- Discontinue certain services or features
We will provide reasonable notice of significant changes or service interruptions whenever possible.
6. Payment Terms and Billing
Fees and Payment
- Service fees are as specified in your service agreement or pricing page
- Payment is due according to the billing cycle selected (monthly/annual)
- All fees are in Malaysian Ringgit (MYR) unless otherwise specified
- Late payment may result in service suspension or additional charges
Payment Processing
Payment processing is handled by our authorized payment service provider:
- We use Curlec (a subsidiary of Razorpay) for secure payment processing
- Accepted payment methods include FPX (Online Banking), credit/debit cards, and e-wallets
- All payment transactions are secured with bank-level encryption
- Recurring payments may be set up for subscription services with your consent
- Payment confirmations will be sent via email upon successful transactions
- Failed payments may result in service suspension until resolved
Refunds and Cancellation
- We offer a 30-day money-back guarantee on subscription services
- Full refund policy details are available on our Refund Policy page
- You may cancel your subscription at any time; cancellation takes effect at the end of your billing period
- Completed work and delivered services are generally non-refundable
- Refunds are processed to the original payment method within 5-14 business days
7. Professional Services and Limitations
Professional Standards
Our services are provided in accordance with:
- Malaysian accounting standards and principles
- Malaysian tax laws and regulations
- Professional ethics and industry best practices
- Applicable regulatory requirements
Service Limitations
- We provide accounting and tax services, not legal or investment advice
- Final responsibility for tax filings and compliance remains with you
- We rely on information you provide and cannot verify all details
- Services are subject to our professional capacity and expertise
8. Intellectual Property Rights
Our Rights
Zelt Digital retains all rights to:
- Platform software, code, and technology
- Service methodologies and processes
- Trademarks, logos, and brand elements
- Proprietary tools and applications
Your Rights
- You retain ownership of your business data and financial information
- You grant us limited rights to use your data to provide services
- You may export your data upon reasonable notice
- We will return or destroy your data upon service termination
9. Data Protection and Confidentiality
We are committed to protecting your confidential information in accordance with our Privacy Policy and applicable law:
- Professional confidentiality standards apply to all client information
- Data is encrypted and stored securely using industry best practices
- Access is limited to authorized personnel on a need-to-know basis
- We comply with Malaysian Personal Data Protection Act (PDPA)
- Third-party service providers are bound by confidentiality agreements
10. Limitation of Liability
To the fullest extent permitted by Malaysian law:
- Our liability is limited to the fees paid for the specific service
- We are not liable for indirect, consequential, or punitive damages
- We are not responsible for errors in information you provide
- You are responsible for reviewing all work product before use
11. Termination
Termination by You
- You may cancel your subscription at any time through your dashboard or by contacting us
- Cancellation takes effect at the end of your current billing period
- You remain responsible for all outstanding fees and obligations
- You may request data export before termination
Termination by Us
We may terminate your account if you:
- Violate these Terms or our policies
- Fail to pay fees when due
- Engage in fraudulent or illegal activities
- Breach confidentiality or security requirements
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of Malaysia. Any disputes will be resolved through:
- Good faith negotiation as the first step
- Mediation if direct negotiation fails
- Arbitration or Malaysian court proceedings as appropriate
- Jurisdiction in the courts of Malaysia
13. Changes to Terms
We may update these Terms periodically to reflect changes in our services or legal requirements. We will provide reasonable notice of material changes via email or platform notifications. Continued use of our Service after changes constitutes acceptance of the updated Terms.
14. Contact Information
For questions about these Terms or our services, please contact us:
Zelt Digital
A service of Ibn Zelt (SSM: 201403253913 / IP0418148-M)
Email: [email protected]
Phone: 1-700-81-9747
Address: No. 8, Kampung Tengku Hussien Lama, 30020 Ipoh, Perak, Malaysia