Terms of Service

General terms

• Who these terms apply to.
  • These terms govern your use of 27Gems products — Jade, Zeni, CDI, AutoLedger, the LLP Concierge Service, 27Gems' Solopreneur Club, Local Pages, and the Solopreneur Support Group — operated by 27Gems LLP (202004003521), Eve Suite, Jalan PJU 1A/41, 47301 Petaling Jaya, Selangor Darul Ehsan, Malaysia.
  • By using our products, you agree to these terms.
  • CDI (Citizen Digital Interface) may be used anonymously without agreeing to these terms. These terms apply to you when you choose to register a CDI account.
• Refunds. Our refund terms are set out in full in the Refund Policy, which forms part of these terms.
• Your responsibilities. Use the products only for lawful purposes and in accordance with Malaysian law.
• Your data. See our Privacy Policy for full details on what data we do hold and how we use it.
• Our role.
  • We aim to keep Jade and Zeni available and working. We do not guarantee uninterrupted access. We may update, modify, or discontinue features with reasonable notice.
  • To the fullest extent allowed by Malaysian law, 27Gems LLP is not liable for indirect or consequential loss arising from your use of our products — including loss from errors in tax figures, LHDN penalties, or data lost through device failure.
  • Where we are found liable, our total liability is limited to the amount you contributed to us in the twelve months before the claim.
• Governing law. These terms are governed by the laws of Malaysia. Any dispute arising from these terms will be subject to the exclusive jurisdiction of the courts of Malaysia.
• Changes to these terms. We may update these terms from time to time. We will update the "last updated" date above and post material changes on this page at least 30 days before they take effect. Continued use of our products after the effective date constitutes acceptance of the updated terms.

Jade

• Scope.
  • You review everything Jade produces, and you enter your figures into LHDN's e-filing portal yourself — Jade does not file your tax return for you, and nothing is submitted to LHDN on your behalf.
  • Jade is built for sole proprietorships and enterprises. It is not built for incorporated companies, which file Form C with audited accounts.
• Cost.
  • Jade has three plans — Part Time, Full Time, and Super — from RM27 to RM270 a month. Subscribe the annual plan for a bigger Jade Hours quota.
  • Each covers Jade acting on your behalf — bookings, orders, invoicing, expenses, reminders, accounts, and your Form B figures. Full plan details and pricing are on your account page.
  • You can talk to Jade inside the app without a Claude account of your own — chatting draws from your Jade Hours balance as you use it.
  • To connect her to your own AI client instead, you need to be on a paid Jade plan and your own subscription with that provider; that subscription is between you and them. Connecting itself does not draw from your Jade Hours balance.
  • Billing is in advance, in ringgit, through Airwallex — monthly or yearly, depending on the plan.
  • A subscription renews each period until you cancel it; an invoice covers one period and doesn't renew.
  • You can cancel at any time from account.27gems.com; the Refund Policy explains what comes back to you. Every plan runs to the end of its last day in Malaysia time.
  • If the price changes, the change applies from your next billing period and we will tell you before it takes effect.
  • Refunds are covered in the Refund Policy.
• Your responsibilities.
  • Provide accurate information. The quality of Jade's output depends on the accuracy of what you upload and enter.
  • Review the generated Form B figures before filing. Nothing goes into your tax return without you seeing it first — but verifying accuracy is your responsibility.
  • Keep your 27Gems sign-in safe. Jade keeps your books on its own servers under your account, so anyone who can sign in as you can open them.
• Your data.
  • Jade keeps your business records on its own servers, under your 27Gems account. You own them, and you can export them at any time: Menu → Backup gives you a full copy of your data as a database file, plus your trial balance and reports.
  • You can also send backups to a personal server of your own.
  • You get back into your books on a new phone by signing in to the same 27Gems account.
• Our role.
  • Jade is a bookkeeping tool. It is not a tax agent, a licensed tax advisor, or a substitute for professional advice.
  • The figures it produces are based on the data you enter, so the accuracy of your books and your own tax compliance are your responsibility.
  • If your situation is complex — several income sources, significant assets, or LHDN audit risk — speak to a licensed tax professional.

Zeni

• Scope. Zeni does not connect to bank accounts or any external financial system — all spending entries are logged manually by you.
• Your data. Zeni keeps your entries on your own device unless you set up its encrypted backup.
• Our role. Zeni is a personal budgeting tool, not a financial advisory service.

CDI (Citizen Digital Interface)

• Scope.
  • CDI is its own product and brand, not a feature of Jade.
  • Anonymous use: you may browse menus and place orders on CDI without creating an account. No registration is required, and these terms do not apply to anonymous use.
  • Registered use: if you choose to register, CDI asks only for your email address, verified by a one-time code. By registering, you agree to these terms and to our Privacy Policy.
  • Loyalty stamps: stamps are earned automatically when you make a qualifying purchase at a participating merchant while your CDI account is linked to the transaction. Stamp counts are maintained by Jade (the merchant's tool) as the authoritative ledger — CDI holds a mirror of this count. In any dispute, Jade's sale records are the ground truth.
• Your responsibilities. You must not create multiple CDI accounts to accumulate stamps fraudulently, attempt to manipulate stamp counts or redemption states, or use CDI in any way that harms merchants or other citizens on the platform.
• Your data.
  • You may optionally add profile details afterwards, and share them with individual merchants — how that data is handled is described in our Privacy Policy.
  • You may request account deletion at any time by emailing [email protected].
• Our role.
  • 27Gems operates the CDI loyalty infrastructure. We are not a party to any transaction between you and a merchant. Disputes about orders, payments, or product quality are between you and the merchant directly.
  • The reward (one free eligible item of the merchant's choice) is provided by the merchant, not by 27Gems. We do not guarantee the availability of any specific reward or the continuation of any merchant's loyalty programme.

AutoLedger

• Scope.
  • AutoLedger is built for accounting firms handling many clients' books, not for individual traders.
  • AutoLedger is separate from Jade, which is built for individual sole traders.

LLP Concierge Service

• Scope.
  • We set up and run a properly structured LLP for you, with every filing signed and lodged by a licensed tax agent.
  • It is a tax-structuring service, not software — you reach us through the form on its own page rather than an app.

27Gems' Solopreneur Club

• Scope.
  • 27Gems' Solopreneur Club is free membership open to anyone with a 27Gems account.
  • Sign in with your 27Gems account to claim a handle and set up your card. Handles are given out on a first-come basis.
  • Anyone can send you a message from your card without signing in. It lands in your Club inbox, and we email you an alert.
• Cost. The Club is free.
• Your responsibilities. You must not use a card or the enquiry form to harass, impersonate, defraud, or spam another person.
• Your data.
  • You choose what appears on your card, including whether to show your phone, email, or social links.
  • Your card is hidden from search engines by default. Turning that on is your choice, and you can turn it off again at any time.
• Our role.
  • We do not read, moderate, or vouch for the content of an enquiry before it reaches you — you decide how to respond, if at all.
  • 27Gems operates the Club as infrastructure. We are not a party to any conversation or dealing that starts from a card or an enquiry, and we do not vouch for any member, any business linked from a card, or the accuracy of anything a member or a sender writes.
• Removal.
  • We may refuse or reclaim a handle that impersonates someone else, that isn't yours to use, or that breaks the rules we publish for handles.
  • We may remove a card or restrict an account that breaks the acceptable-use rule above.

Local Pages

• Scope. Listing is your choice, and what you publish is what visitors see, with your location and trust grade.
• Booking. Booking is for 27Gems members. Book on a card sends your request, through CDI, to the business's own Jade, where the business accepts or declines it. Local Pages shows you the status the business has recorded. The work, the invoice and the payment are between you and the business. 27Gems takes no payment and no fee on a booking. The invoices and receipts the business issues for your booking appear in your booking view, and only you can see them.
• Photos and locations. You can add up to 10 photos, each with a short description, and show the places you trade from. They are checked the same way before they appear, and a photo or description with vulgar or offensive content is not shown.
• Messages. Any signed-in member can write to a listed business, and the business answers from its Clubhouse. An automatic check reads each message first. A message with vulgar or offensive language is not sent, and a message the check is unsure about waits until a person at 27Gems has read it.
• Your responsibilities. By listing, you agree that your customers may rate your business.
• Your data.
  • By listing, you agree that your grade and any rating of 3 stars and above are published.
  • By listing, you agree that you receive only aggregated and anonymised analytics, never individual answers.
• Our role. 27Gems does not vouch for any Club member, any listed trader or business, or the contents of any enquiry sent through a card — any dealing you enter into with one is between you and them. On Local Pages, 27Gems passes a booking request to the business and is not a party to the booking.
• Removal. A business that fails to adhere to the Code of Conduct will be removed from Local Pages.

Solopreneur Support Group

• Scope. Cake Clash season prizes: Cake Clash, the game at 27gems.com/support-group/game-theory/, runs in seasons of one calendar quarter, Malaysia time. When a season ends, the top 10 players on each of the three ladders (Free, Easy and Hard) in the highest games-played category that has players are invited to a meet session with 27Gems. Only Ranked games count. One person gets one invitation, and invitations are at 27Gems' discretion.
• Cost.
  • The Solopreneur Support Group is by invitation and costs RM270 a month.
  • It includes the Onyx Bundle: Jade for one of your businesses, with 50 Jade Hours a month, for as long as the subscription is paid.
  • Workshops and events are priced individually on their own pages.
• Our role. The Solopreneur Support Group is peer support and general discussion, not tax, legal, or financial advice.

Contact

[email protected]
011-3730-9419
27Gems LLP (202004003521)
Eve Suite, Jalan PJU 1A/41, 47301 Petaling Jaya, Selangor Darul Ehsan, Malaysia