Terms of Service

Last updated: March 17, 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. If you do not agree to comply with any part of these terms, you are prohibited from using our services.

Acceptance of Terms

By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We reserve the right to modify these terms at any time without prior notice. Your continued use of our services following any changes constitutes your acceptance of the new terms. We recommend reviewing this page regularly to stay informed of any updates. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Your use of our services is also subject to our Privacy Policy and other guidelines published on our website.

User Obligations

You agree to use our website and services only for lawful purposes and in a manner that does not violate the rights of others or restrict their use and enjoyment. Prohibited behavior includes harassing or causing distress to any person, transmitting obscene or offensive content, disrupting normal flow of dialogue within our website, and attempting to gain unauthorized access to our systems. 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, resell, or exploit any portion of our services without our express written permission. We reserve the right to terminate or restrict access to our services for users who violate these obligations.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of or is licensed to us and is protected by international copyright laws. You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes only. You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute any content without our prior written consent. We respect the intellectual property rights of others and expect our users to do the same. Any unauthorized use of our content may result in legal action. If you believe your intellectual property rights have been infringed, please contact us with details of the infringement.

Limitation of Liability

Our website and services are provided on an “as is” and “as available” basis. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or other harmful components. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose. 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. Your sole remedy for dissatisfaction with our services is to stop using them. Some jurisdictions do not allow limitations on liability, so this limitation may not apply to you.

Termination of Service

We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause, and with or without notice. Termination may occur if you violate any provision of these Terms of Service or for any other reason at our sole discretion. Upon termination, your right to use our services immediately ceases. We are not liable to you or any third party for any claims arising from termination of your access. Any provisions of these terms that by their nature should survive termination, including but not limited to intellectual property rights and limitations of liability, shall survive termination. After termination, we may retain your information in accordance with our Privacy Policy and applicable laws.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. You agree that any legal action or proceeding arising out of or relating to these terms shall be brought exclusively in the courts located in Malaysia. By using our services, you consent to the jurisdiction and venue of these courts. We make no representation that our website is appropriate or available for use in all locations. If you access our website from outside Malaysia, you are responsible for complying with local laws.