Terms

The terms for a custom build or the Loan Advisory CRM, written so you can read them in one sitting.

Last updated 4 October 2026

These terms apply to custom builds and the Loan Advisory CRM. A signed agreement or quote for your project can add to them.

In these terms, "we" means Dialify Technologies (SSM 202503197904 (003754718-A)), which trades as NexFlows. "You" means the business that buys from us.

What we provide

  • Custom builds. A CRM, app, website or WhatsApp setup, planned and built from a spec we agree with you. Most builds are live in 1 to 2 weeks from the day the spec is agreed. We move your existing data across at no charge and set up your team.
  • The Loan Advisory CRM. A ready-made system for loan advisory teams, sold as a monthly subscription. It includes the autodialer, pipeline, roles and teams, commission and payout, CTOS analysis, DSR checks, a WhatsApp inbox and the AI assistant.
  • Add-ons. The phone app for iOS and Android, extra users and the multi-line dialer, priced under Payment below.

NexFlows is software. We are not a lender, a bank or a licensed financial adviser. Nothing in our systems, estimates or guides is financial, legal or credit advice, and banks make their own decisions.

What you provide

  • Accurate information about your business and your needs, and the access and people we need to finish the work on time.
  • Lawful use. You use NexFlows only for lawful business purposes, and you follow the rules of the services it connects to, including Meta's rules for WhatsApp.
  • Permission from your own customers. Before you load a person's details into NexFlows, or message or call them through it, you make sure you are allowed to, including getting any consent the law requires. You tell people when a call is recorded.
  • Care with logins. Each person uses their own login, and you remove the access of people who leave.

Payment

Invoices are in Malaysian ringgit.

Custom builds

  • Custom builds start from RM 3,500. The price for your project is the one in your quote.
  • You pay 30% to start, and the balance when the system goes live. Enterprise builds are scoped together and billed by milestone.
  • The care plan is optional. It is from RM 250 a month and covers hosting, security updates, fixes and support.

Loan Advisory CRM

  • RM 1,000 a month for 20 users. Extra users are RM 50 a month each.
  • A one-time setup of RM 1,500. It includes your own WhatsApp (WABA) number, data import and training.
  • The phone app is RM 250 a month, on request.
  • The multi-line dialer is RM 5,000 one-time and RM 500 a month for 3 agents on 8 lines.

Other charges and late payment

Your own phone company bills you for call charges. Meta bills WhatsApp message charges to your company directly.

If a monthly invoice is not paid, we may suspend your access after we have told you in writing and given you reasonable time to pay. We turn access back on once the amount is paid.

Adjustments and new work

After a custom build goes live, it comes with 1 month of free adjustments.

An adjustment is a small change to something we have already built, such as a label, a field, a layout or a step in a workflow. New work is anything that adds a new module, a new integration or a large change. We quote new work first and start it only when you agree the quote.

After the free month, small fixes and support are part of the care plan if you have one. Anything bigger is quoted first.

Who owns what, and your data

  • Our software. We keep ownership of the source code and software we write, including what we build for you. You may use the system for your own business.
  • Your data. You own your data: the records, documents and messages your team puts into NexFlows, and the records of your customers. We do not sell it, use it for advertising or use it to train AI models.
  • Taking your data with you. Where the export is switched on for your account, you can download your leads and customers as an Excel file yourself. For anything else, we will give you a copy of your data on request.
  • Our role. For the personal data of your customers, you are the data controller and we are the processor: we handle it only on your instructions. If we find a breach that affects your records, we tell you without delay so that you can meet your own duties. See the privacy policy and How your data is handled.

Confidentiality and availability

We keep your business information, your records and your customer lists confidential, and use them only to provide the service to you. We ask you to treat non-public information about how our systems work in the same way.

We work to keep NexFlows running and to fix problems quickly. We do not promise that it will never be interrupted, and we do not give an uptime figure. Planned maintenance, and problems with services we depend on, such as WhatsApp (Meta), your phone lines, hosting or the internet, can cause interruptions.

Limits of liability

We take reasonable care in our work. We are not liable for loss that we could not reasonably have foreseen, for lost profit or lost business, or for decisions that you or others make using information in NexFlows, such as a bank's decision on a loan. Tools such as the DSR check and the credit report analysis give estimates based on the figures entered or read, and the result is only as good as that input.

Our total liability to you for all claims about one product or service is limited to what you paid us for that product or service in the 12 months before the claim arose. Nothing in these terms limits any liability that the law does not allow us to limit.

Ending the agreement

  • Monthly plans. Either of us can end a monthly plan by giving the other 30 days' notice in writing. You pay for the notice period.
  • Custom builds. The deposit is not refundable once work has started. On a build billed by milestone, milestones already reached stay payable.
  • Serious breach. We can end an agreement straight away if you use NexFlows unlawfully, or do not pay after notice. You can do the same if we seriously fail to do what we agreed and do not put it right after you tell us.
  • Your data afterwards. When an agreement ends, you can ask for a copy of your data and ask us to delete it. The privacy policy explains how long records and backups are kept.

Changes to these terms, and the law

We may update these terms. The date at the top shows when. We tell customers about a change that matters before it applies to them.

If your signed agreement or quote says something different on a point, what it says applies to your project.

These terms are governed by the laws of Malaysia, and the courts of Malaysia can hear any dispute about them.

Questions about this page? Email [email protected].