Terms of Service

Who we are

LAP Calculator is operated by the Legacy Advisory Program ("we", "us", "our"). For questions about these terms, your account, or your data, contact your LAP class administrator.

What this is

LAP Calculator is an advisor-facing tool for estimating Malaysian estate administration costs, liabilities, and dependent funding requirements. It includes customer-profile management and PIN-gated share links. Access is bundled with paid enrolment in the Legacy Advisory Program (LAP) class.

Eligibility and access

You must be at least 18 years old. Access is granted by linking your sign-in email to the Agent ID issued through your LAP class. Your continued access depends on your class enrolment being in good standing.

Your account

• You may sign in with Google or with a personal email and password.
• The first time you sign in, you link your email to your Agent ID. This binding is permanent and one-to-one — rebinding requires manual administrator action. Contact us if you need this done.
• You may use the service on up to two devices at the same time. Signing in on a third device signs the oldest one out automatically.
• You are responsible for keeping your sign-in credentials and PINs confidential. Do not share your account.

Informational tool, not advice

LAP Calculator produces estimates for planning and education. It is not financial advice, not legal advice, not tax advice, and not a substitute for a licensed professional — such as a lawyer, licensed financial planner, tax agent, or estate administrator. Any decision made solely on the basis of the calculator's output is taken at your own risk.

What the numbers are based on

Estimates use published Malaysian reference rates — executor / administrator scales, stamp duty tiers, estate duty and Small Estate Distribution (SED) thresholds, court and legal fees under the Solicitors' Remuneration Order — as of the version date shown above. Rates change from time to time and individual providers may quote differently. Verify current figures with the relevant authority or a qualified professional before acting.

Accuracy and limitations

The tool makes simplifying assumptions — for example, that nominated insurance proceeds bypass the estate, that EPF nominee payouts fall outside the estate, and that SED applies below the stated valuation limit. Real situations vary. Foreign assets, trust structures, contested or missing wills, Shariah estates distributed under Faraid, business interests, jointly-held property, and similar complexities may materially change the outcome and are not fully modelled here.

Acceptable use

You agree not to:

• Enter another person's personal data without their consent or other lawful basis.
• Use the calculator to deliver regulated financial advice without your own professional licence and judgment.
• Share your account, credentials, or share-link PINs with anyone other than the intended client.
• Scrape, automate, or attempt to bypass authentication, access controls, or rate limits.
• Use the service for any unlawful purpose.

Personal advisory work and educational use are entirely fine.

Customer profiles and share links

Customer profiles you create are stored under your account and are readable only by you — enforced by strict server-side access controls. See the Privacy Policy for full detail.

Share links expose only the customer's name and summary totals (not your identity, not the raw inputs). Each link is gated by a 4-digit PIN, expires after 3 days, and auto-revokes after 5 incorrect PIN attempts. You are responsible for the PIN you choose and the person you give it to.

Your data, your control

You can save, edit, export, and delete your customer profiles at any time. See the Privacy Policy for what we hold, how long, where, and how to exercise your rights under the Personal Data Protection Act.

Service availability and changes

We aim for high availability but do not guarantee uninterrupted service. We may update calculation logic, fee schedules, and statutory references without notice to reflect changes to underlying Malaysian rates. We may also change features, add limits, or retire features that no longer fit the product.

Suspension and termination

We may suspend or terminate your access if you breach these terms, abuse the service, or end your LAP class enrolment. On termination, you may request an export of your customer profiles before they are deleted — contact us within a reasonable time of being notified.

Intellectual property

The interface, calculation logic, copy, and branding are © Legacy Advisory Program. Underlying fee schedules, statutory rates, and regulatory references are public information and are not claimed.

No warranty; limitation of liability

The tool is provided on an "as is" and "as available" basis, without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. To the maximum extent permitted by Malaysian law, we disclaim liability for any loss or damage arising from reliance on the calculator's output, from unavailability of the service, or from your or any third party's use of the service.

Indemnity

You agree to indemnify and hold us harmless against any claims arising from your misuse of the service or from entering third-party personal data without a lawful basis to do so.

Privacy

How we handle personal data is described in the Privacy Policy, which forms part of these terms.

Changes to these terms

We may update these terms. Material changes will be reflected in the "Last updated" date at the top of this page; continued use of the service after an update constitutes acceptance of the revised terms.

Contact

Questions about these terms can be raised through your LAP class administrator.