Terms of Use

Effective Date: 17 August 2025

Welcome to VictorOnJourney (“we”, “our”, “us”). By accessing or using our website, newsletter, or AI tools, you agree to these Terms of Use. Please read them carefully.

1. Purpose of This Site

VictorOnJourney is a personal platform for knowledge sharing, thought leadership, and experimentation. Content provided here is for:

• Educational and informational purposes only.

• General awareness on topics such as customer experience, resilience, digital transformation, and AI.

It is not professional, financial, legal, or medical advice.

2. Use of Content

• You may read, share, and reference content from this site for personal or educational purposes.

• You may not copy, resell, or use the content for commercial purposes without written consent.

• AI tools and MVP apps provided here are experimental and for testing/learning purposes only.

3. AI Tools & MVP Applications

• Our AI features are provided “as is” and may not always be accurate or reliable.

• By using these tools, you acknowledge that results are generated automatically and should not be the sole basis for decision-making.

• We are not responsible for outcomes resulting from your reliance on AI-generated outputs.

4. User Responsibilities

By using this site or any associated tools, you agree to:

• Use the content and tools responsibly and lawfully.

• Not upload or input sensitive personal information (e.g. health records, financial data, confidential business information) into any AI tool provided here.

• Respect intellectual property and privacy rights of others.

5. No Employment or Employer Affiliation

VictorOnJourney is an independent personal platform. Content, tools, and opinions expressed are Victor Cheong’s personal views and do not represent the views of Sun Life Malaysia, DRI Malaysia, or any employer, partner, or professional body.

6. Limitation of Liability

• We make no guarantees regarding the accuracy, completeness, or suitability of the content.

• We are not liable for any direct, indirect, incidental, or consequential damages resulting from the use (or inability to use) the website, newsletter, or AI tools.

7. Links to Other Sites

This site may contain referral links or offers to third-party platforms. We are not responsible for their content, practices, or outcomes. Please review their Terms of Use separately.

8. Changes to Terms

We may update these Terms of Use at any time. Continued use of this site after updates means you accept the revised terms.

9. Governing Law

These Terms of Use are governed by the laws of Malaysia, without regard to conflict of law principles.

10. Contact

For questions about these Terms, please contact:
📧 victorcheong@gmail.com
🌐 www.victoronjourney.com/disclaimer