Terms of Service

Last updated: March 9, 2026

These Terms of Service govern your use of Ringgit Wise and its services. By accessing and using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you should not use our website or services.

Acceptance of Terms

By accessing our website and using our services, 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 website following any changes constitutes your acceptance of the new terms. It is your responsibility to review these terms periodically to ensure you remain informed of any updates or modifications. We recommend that you review this page regularly to stay aware of any changes we make.

User Obligations and Conduct

As a user of our services, you agree to comply with all applicable laws and regulations. You must not use our website for any illegal or unauthorized purposes. You are responsible for maintaining the confidentiality of any account information and passwords you create. You agree not to transmit any harmful, defamatory, or inappropriate content through our platform. Users must not attempt to gain unauthorized access to our systems or engage in any activity that could disrupt our services. We expect all users to conduct themselves in a respectful and lawful manner while using our website.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the intellectual property of our organization and is protected by copyright laws. You may not reproduce, distribute, transmit, or display any content without our express written permission. Our name and logo are registered trademarks, and you may not use them without authorization. Users are granted a limited license to view and print content for personal, non-commercial use only. Any unauthorized use of our intellectual property is strictly prohibited and may result in legal action.

Limitation of Liability

Our website and services are provided on an “as-is” basis without any warranties or guarantees. We are not responsible for any direct, indirect, incidental, or consequential damages arising from your use of our website or reliance on our content. While we strive to provide accurate and helpful information on financial literacy and household money management, we make no representation that the content is completely accurate or current. Users should conduct their own research and consult with qualified professionals before making financial decisions. We shall not be liable for any errors, omissions, or outdated information.

Termination of Access

We reserve the right to terminate or suspend your access to our website at any time, for any reason, without notice or liability. This includes situations where you violate these Terms of Service, engage in harmful conduct, or use our services inappropriately. Upon termination, all rights granted to you are immediately revoked, and you must cease using our website and services. Any provisions that by their nature are intended to survive termination, including intellectual property protections and limitation of liability, shall remain in effect. We may also disable or delete any accounts associated with violating users.