Disclaimer

This Disclaimer applies to the use of Ringgit Smart and its content. We provide educational resources and information for general informational purposes only. The content on our platform is designed to help you understand fundamental financial planning concepts, household budgeting strategies, emergency fund building, savings account comparison, and long-term financial goal setting specific to the Malaysian context.

General Disclaimer

All information, materials, and content provided through our platform are presented on an “as-is” basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or timeliness of the information. While we strive to ensure that our educational resources are current and accurate, financial conditions, regulations, and product offerings change frequently, and we cannot guarantee that all information reflects the most recent updates.

We do not warrant that the content will meet your specific needs, that it is error-free, or that access to the platform will be uninterrupted. We are not responsible for any errors, omissions, or inaccuracies in the content, nor are we liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on the information provided.

No Professional Advice

The educational resources, budgeting guides, and financial planning information available on our platform are not intended to constitute professional financial, legal, tax, or investment advice. We do not provide personalized financial recommendations or advisory services. You should not rely solely on our content for making financial decisions that affect your personal circumstances.

Before making any significant financial decisions regarding emergency funds, savings accounts, investment strategies, or long-term financial goals, we strongly encourage you to consult with qualified financial advisors, accountants, tax professionals, or other relevant specialists. These professionals can evaluate your individual financial situation and provide personalized guidance tailored to your needs, risk tolerance, and objectives.

Liability Limits

To the maximum extent permitted by law, we disclaim all liability for any damages, losses, or expenses arising from your use of our platform or reliance on its content. This includes but is not limited to direct, indirect, incidental, special, consequential, or punitive damages, even if we have been advised of the possibility of such damages.

• We are not liable for financial losses resulting from decisions made based on our educational content
• We do not guarantee the accuracy or suitability of savings account comparisons or product recommendations
• We are not responsible for third-party services, links, or resources referenced on our platform
• We disclaim responsibility for any interruptions, delays, or failures in accessing our platform
• Your use of our platform is at your own risk and discretion

By accessing and using our educational resources, you acknowledge and agree to these limitations of liability. If you do not agree with these terms, please discontinue your use of the platform immediately.

Changes to This Disclaimer

We reserve the right to modify, update, or amend this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting to the platform. Your continued use of our services following any modifications indicates your acceptance of the updated Disclaimer. We recommend reviewing this page periodically to stay informed of any changes.