Terms of Service

Last updated: March 9, 2026

These Terms of Service govern your use of RetireWise Asia and its services. By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by all the terms and conditions outlined below. We are committed to providing you with reliable retirement planning resources and educational content to help you better understand the Malaysian pension system, including EPF accounts and private retirement schemes.

Acceptance of Terms

Your access to and use of our website constitutes your acceptance of these Terms of Service. If you do not agree with any part of these terms, you are not permitted to use our services. We reserve the right to modify these terms at any time without prior notice. Your continued use of the website following any such modifications constitutes your acceptance of the updated terms. We recommend that you review these terms periodically to ensure you remain informed of any changes. These terms apply to all users, including but not limited to browsers, vendors, customers, merchants, and content contributors.

User Obligations and Conduct

As a user of our platform, you agree to comply with all applicable laws and regulations governing the use of our website. You are responsible for maintaining the confidentiality of any account information you may create and for all activities that occur under your account. You agree not to engage in any conduct that is unlawful, threatening, abusive, defamatory, obscene, or otherwise objectionable. You must not use our website to transmit any harmful code, viruses, or malware. We expect all users to treat our content and other users with respect and to use the platform in a manner consistent with its intended purpose of providing retirement planning education and awareness.

Intellectual Property Rights

All content on our website, including but not limited to text, graphics, logos, images, audio clips, and digital downloads, is the exclusive property of our organization or its content suppliers. These materials are protected by international copyright laws and other intellectual property rights. You are granted a limited, non-exclusive, non-transferable license to access and view this content for your personal, non-commercial use only. You may not reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, or sell any content without express written permission. Any unauthorized use of our intellectual property constitutes infringement and may result in legal action.

Limitation of Liability

Our website and all content provided are offered on an “as-is” basis without any warranties or guarantees of any kind, either express or implied. We do not warrant that our website will be error-free, uninterrupted, or free from harmful components. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our website or services. This includes damages arising from retirement planning decisions made based on our educational content. The information provided is for general awareness and educational purposes only and should not be considered as personalized financial advice.

Termination of Access

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 of Service or engage in any unlawful or harmful behavior. Upon termination, your right to use our website immediately ceases, and you must comply with any obligations outstanding at the time of termination. We may also terminate or suspend access to protect the integrity and security of our platform or to comply with legal obligations. In the event of termination, any content you have submitted may be deleted at our discretion.