Legal
Last updated: May 2026
myendow.co is a financial independence planning simulator operated by XJ Ventures, a sole proprietorship registered in Malaysia. myendow helps users visualise their path to financial independence based on inputs they provide. It is a planning tool only.
myendow is a simulation and planning tool. Nothing on this platform constitutes licensed financial advice, investment advice, or a recommendation to buy or sell any financial product. Always consult a licensed financial advisor before making financial decisions. XJ Ventures is not liable for any financial decisions made based on outputs from this tool.
You must be at least 18 years old and a resident of Malaysia to use myendow. By using this service, you confirm you meet these requirements.
myendow offers one-time purchases for Basic (RM29) and Full (RM49) reports. All payments are processed securely via Stripe. Prices are in Malaysian Ringgit (MYR). Payment is required before your report is generated.
As myendow delivers a digital product (your personalised report), all sales are final once the report has been generated. Refunds may be considered only in cases of verified technical failure on our end. See our Refund Policy for details.
The myendow platform, including its design, code, and methodology, is the intellectual property of XJ Ventures. Your report and the data you input belong to you. You may not reproduce or resell the myendow tool or its outputs for commercial purposes.
To the fullest extent permitted by Malaysian law, XJ Ventures shall not be liable for any indirect, incidental, or consequential damages arising from your use of myendow. Our total liability shall not exceed the amount you paid for the service.
These Terms are governed by the laws of Malaysia. Any disputes shall be subject to the exclusive jurisdiction of Malaysian courts.
We may update these Terms from time to time. Continued use of myendow after changes constitutes acceptance of the new Terms.
For any questions regarding these Terms, contact us at myendow.co@gmail.com.
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