Disclaimer
Last updated: March 9, 2026This Disclaimer applies to the use of Ringgit Wise and its content. We provide information for general educational and informational purposes only. The content presented on our platform is designed to help Malaysian families understand financial literacy fundamentals and household money management principles. However, we make no warranties or representations regarding the accuracy, completeness, or reliability of any information provided.
General Disclaimer
Our website and all materials, guides, articles, and resources are provided on an “as is” basis without any guarantees. We do not warrant that our services will be uninterrupted, error-free, or secure. While we strive to provide accurate and helpful information about personal budgeting, expense tracking, and savings habits, we cannot guarantee that all content is current, accurate, or applicable to your specific circumstances.
The information we provide should be considered general guidance only. Every household’s financial situation is unique, and what works for one family may not work for another. We encourage you to review all information carefully and adapt recommendations to suit your individual needs and circumstances. We are not responsible for any decisions made based on our content or guides.
No Professional Advice
The content on our platform does not constitute professional financial, legal, tax, or investment advice. We are not licensed financial advisors, accountants, or legal professionals. While we provide educational resources about budget creation methodology, needs versus wants distinction, and expense tracking basics, this information should not be relied upon as a substitute for professional advice from qualified experts.
If you require specific financial, legal, or tax guidance related to your household money management, we strongly recommend consulting with qualified professionals such as financial advisors, accountants, or lawyers. Your personal circumstances may have unique considerations that require professional assessment and tailored recommendations. We disclaim all liability for any reliance you place on general educational content provided through our platform.
Limitation of Liability
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 our website, content, or services. This includes but is not limited to loss of profits, data, business opportunities, or other intangible losses, even if we have been advised of the possibility of such damages.
Our total liability to you for any claims arising from or related to your use of our platform shall not exceed the amount you paid to us, if any. Some jurisdictions do not allow the limitation or exclusion of liability, so some of the above limitations may not apply to you. In such cases, our liability shall be limited to the maximum extent permitted by applicable law.
Third-Party Links and Content
Our website may contain links to external websites, resources, or references for your convenience. We do not endorse, approve, or assume responsibility for the content, accuracy, or practices of third-party websites. Your use of external links is entirely at your own risk, and we are not liable for any damages or losses resulting from your access to or reliance on third-party content.
Changes to This Disclaimer
We may update this Disclaimer from time to time to reflect changes in our practices, applicable laws, or other factors. Your continued use of our website following any modifications constitutes your acceptance of the updated Disclaimer. We encourage you to review this page periodically to stay informed of any changes.
User Responsibility
You are solely responsible for your use of our website and content. You agree not to use our platform for any unlawful, harmful, or malicious purposes. You also agree not to attempt to gain unauthorized access to our systems or interfere with the normal operation of our services. We reserve the right to restrict or terminate access to our platform for users who violate these terms.