Terms of service

Last updated: [date]. Golden Benchmark Advisory [SSM registration no.], Bayan Lepas, Pulau Pinang, Malaysia. Contact: goldenbenchmarkadvisory@gmail.com

1. The service

BankLens is an online tool that reads bank statements you upload and calculates figures such as DSCR, FCC, DSR and LCR to help you prepare SME financing applications. It is provided by Golden Benchmark Advisory ("we", "us").

2. Not financial or credit advice

BankLens is a preparation and screening tool. Its results depend on the statements and figures you provide, and may differ from a bank's own assessment. Financing decisions are made solely by the financial institution. You remain responsible for checking results before relying on them or sharing them with clients or banks.

3. Your account

You must give accurate details when you sign up and keep your password safe. A subscription is for one named user, who may be signed in on up to two devices at a time. You may not share, resell or sublicense access.

4. Client data and consent

You confirm you have your clients' consent, as required under the Personal Data Protection Act 2010, to process their bank statements. Statements are read inside your browser and are not uploaded to our servers. Cases you save are kept on your own device; you are responsible for that device and for any copies you export.

5. Free trial and subscription

New accounts receive a free trial for the period shown at sign-up. After the trial, continued use requires a paid monthly subscription at the price shown on our website. Subscriptions renew automatically each month through our payment provider, Curlec, until cancelled. Prices may change with at least 30 days' notice by email.

6. Cancellation

You can cancel at any time from your account page. Access continues until the end of the month already paid for. See our refund policy.

7. Acceptable use

Do not use BankLens to create, alter or misrepresent bank statements or financial information, to deceive any financial institution, or for any unlawful purpose. We may suspend accounts that break these terms.

8. Availability and changes

We aim to keep BankLens available and accurate but do not guarantee uninterrupted service or that every statement format will be read correctly. We may improve or change features over time.

9. Liability

To the extent permitted by law, our total liability to you for any claim relating to BankLens is limited to the subscription fees you paid in the three months before the claim. We are not liable for indirect or consequential losses, including lost business or financing outcomes.

10. Governing law

These terms are governed by the laws of Malaysia, and the courts of Malaysia have jurisdiction.