Disclaimer

Last updated: March 18, 2026

General Disclaimer

This Disclaimer applies to the use of RetireWise Malaysia and its content. We provide information for general educational and informational purposes only. The content on our website, including articles, guides, calculators, and tools related to retirement planning, the Employees Provident Fund (EPF), pension structures, voluntary savings options, retirement income estimation, and age-based financial milestone planning, is intended to help you understand these topics better.

However, the information presented should not be considered comprehensive or exhaustive. Retirement planning is complex and highly individual, depending on your personal circumstances, financial situation, goals, and preferences. We do not guarantee that all information is current, accurate, or applicable to your specific situation. Market conditions, government policies, and regulations regarding the EPF and retirement benefits may change, and we endeavor to keep our content updated, but cannot warrant its accuracy at all times.

No Professional Advice

The information provided on our website does not constitute professional financial, legal, tax, or investment advice. We are not licensed financial advisors, tax consultants, or legal practitioners. Any content, including retirement planning strategies, EPF contribution recommendations, voluntary savings suggestions, or retirement income projections, should not be relied upon as a substitute for professional consultation with qualified experts.

Before making any significant financial decisions regarding your EPF contributions, voluntary savings, or retirement planning, you should consult with a certified financial planner, tax advisor, or other relevant professionals who can assess your individual circumstances. We strongly encourage you to seek personalized advice tailored to your specific needs, goals, and financial situation. Your reliance on any information from our website is at your own risk and discretion.

Liability Limits

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or reliance on our content. This includes but is not limited to losses related to investment performance, retirement planning outcomes, EPF contributions, or financial decisions made based on information from our platform.

We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components. By using our website, you assume all risks associated with your use and agree that we are not responsible for any outcomes resulting from your reliance on our content. We reserve the right to modify or discontinue any part of our website without notice or liability.