Terms of Service

Last updated: March 18, 2026

These Terms of Service govern your use of RetireWise Malaysia and its services. By accessing and using our website, you agree to be bound by these terms and conditions. We are committed to providing clear guidelines for how you interact with our platform dedicated to retirement planning and pension awareness in Malaysia.

Acceptance of Terms

Your use of our website constitutes your acceptance of these Terms of Service in their entirety. If you do not agree with any part of these terms, you must discontinue use of our services immediately. We reserve the right to modify these terms at any time without prior notice. Your continued use of our website following any changes indicates your acceptance of the updated terms. These terms apply to all visitors, users, and individuals who access our website for any reason. By using our services, you acknowledge that you have read, understood, and agree to be bound by all provisions contained herein.

User Obligations and Responsibilities

As a user of our platform, you agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. You must not harass, threaten, abuse, or defame any person or entity through your use of our website. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You agree not to reproduce, duplicate, copy, sell, trade, or resell our content or services without explicit written permission. We expect all users to conduct themselves professionally and respectfully when accessing our retirement planning resources and information about EPF contributions and pension options.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the exclusive property of our organization or its content suppliers and is protected by international copyright laws. You may view and print pages from our website for personal, non-commercial use only. Unauthorized reproduction, modification, distribution, transmission, or republication of any content is strictly prohibited. You may not use our content to create derivative works, and you cannot frame or utilize framing techniques to enclose our intellectual property without our express written consent. All trademarks, service marks, and logos displayed on our website are owned by us or our respective licensors. Your use of our website does not grant you ownership rights to any intellectual property contained herein.

Limitation of Liability

We provide our website and services on an “as-is” basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising from your use of our website shall not exceed the amount you paid to us, if any. This limitation applies regardless of the legal theory upon which the claim is based, whether in contract, tort, or otherwise.

Termination of Services

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and with or without notice. Termination may occur if you violate these Terms of Service or engage in conduct that we deem harmful to our website, other users, or our organization. Upon termination, your right to use our services immediately ceases, and you must cease all use of our platform. We may also discontinue or modify our services at any time without liability to you. Any provisions of these terms that by their nature are intended to survive termination, including intellectual property rights and limitation of liability clauses, shall remain in effect after termination of your access to our website.