Terms of Service

These Terms of Service govern your use of Ringgit Smart and its services. By accessing and using our website, you agree to comply with these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

Acceptance of Terms

Your use of our website constitutes your acceptance of these Terms of Service in their entirety. We reserve the right to modify these terms at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our services following any modifications indicates your acceptance of the updated terms. We encourage you to review these terms periodically to ensure you remain informed of any changes. If you do not agree with modifications, you must discontinue using our website and services immediately. By continuing to access our platform, you acknowledge that you have read, understood, and agree to be bound by these terms and any updates we make to them.

User Obligations

When using our services, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of any account information and passwords. You agree not to use our website for any unlawful or fraudulent purposes, including but not limited to transmitting harmful content, viruses, or engaging in activities that disrupt our services. You must not attempt to gain unauthorized access to our systems or networks. We reserve the right to suspend or terminate access for users who violate these obligations. You acknowledge that you are solely responsible for all activities conducted through your account. Any misuse of our platform may result in immediate account termination and legal action where appropriate.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is owned by or licensed to us and is protected by intellectual property laws. You may not reproduce, distribute, transmit, display, or perform any content from our website without our prior written permission. This includes financial information, educational materials, guides, and resources related to budgeting, emergency funds, and financial goal setting. Limited personal use is permitted for individual reference only. Commercial use, republication, or redistribution of our content is strictly prohibited. We grant you a non-exclusive, non-transferable license to access our services for personal educational purposes. Unauthorized use of our intellectual property may result in civil and criminal liability.

Limitation of Liability

Our website and services are provided on an “as-is” basis without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or timeliness of information provided. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services. This includes financial losses, lost profits, or loss of data. We are not responsible for third-party content or links. While we strive to provide accurate financial education resources, you should consult qualified financial advisors before making investment decisions. Your use of our information is entirely at your own risk and discretion.

Termination of Service

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, engage in fraudulent activity, or misuse our services. Upon termination, your right to use our website immediately ceases. We may retain or delete your information as permitted by law. Termination does not relieve you of obligations incurred prior to the termination date. Sections regarding intellectual property, limitation of liability, and governing law survive termination. If we terminate your access, you may not attempt to re-register or circumvent the termination through other means.

Governing Law and Dispute Resolution

These Terms of Service are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. Any disputes arising from your use of our website shall be subject to the exclusive jurisdiction of the courts of Malaysia. You agree to submit to the personal jurisdiction of such courts and waive any objections to venue. Before initiating legal proceedings, we encourage you to attempt to resolve disputes through informal negotiation. If legal action becomes necessary, both parties agree to bear their own legal costs unless otherwise determined by the court. By using our services, you consent to these dispute resolution procedures.