Disclaimer
Last updated: March 9, 2026
This Disclaimer applies to the use of RetireWise Asia and its content. We provide information for general educational and awareness purposes only, designed to help you understand Malaysia’s retirement planning landscape, including the Employee Provident Fund (EPF), Private Retirement Scheme (PRS), and related pension systems.
General Information Disclaimer
The content available on our platform, including guides on EPF Account 1 and Account 2 structures, PRS basics, retirement savings gap calculations, and post-retirement income stream awareness, is provided on an “as-is” basis. We make no warranties or representations regarding the accuracy, completeness, or timeliness of this information. While we strive to ensure all content is current and reflects the latest regulatory requirements as of 2026, retirement planning regulations and pension system rules may change without notice.
We recommend verifying all information with official sources such as the Employees Provident Fund (EPF) website, the Securities Commission Malaysia for PRS-related matters, or the Ministry of Finance for the most current and authoritative guidance on retirement planning in Malaysia.
No Professional Financial Advice
The information provided on our platform does not constitute professional financial, investment, tax, or legal advice. We are not licensed financial advisors, investment professionals, or tax consultants. Our educational guides are intended to increase awareness and understanding of retirement planning concepts and the Malaysian pension system, not to provide personalized recommendations tailored to your individual circumstances.
Before making any decisions regarding your EPF accounts, PRS contributions, retirement savings strategy, or investment choices, you should consult with qualified financial advisors, tax professionals, or legal experts who can assess your specific situation. Your retirement planning decisions should be based on your personal financial goals, risk tolerance, time horizon, and unique circumstances.
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our content or reliance on the information provided. This includes but is not limited to losses related to investment decisions, retirement planning strategies, or financial outcomes resulting from the application of information found on our platform.
We are not responsible for errors, omissions, or inaccuracies in our content, nor for any actions taken based on such information. Your use of our educational materials is entirely at your own risk and discretion. We strongly encourage you to independently verify all information and seek professional guidance before implementing any retirement planning strategies or making financial decisions.
External Links and Third-Party Content
While we may reference official government resources, regulatory bodies, or other educational materials related to retirement planning in Malaysia, we do not endorse or guarantee the accuracy of external sources. We are not responsible for the content, accuracy, or availability of any third-party websites or materials linked to or referenced on our platform.
Changes to This Disclaimer
We may update this Disclaimer from time to time to reflect changes in our services, applicable laws, or other factors. Any changes will be posted on this page with an updated “Last updated” date. Your continued use of our platform following any modifications indicates your acceptance of the updated Disclaimer. We recommend reviewing this page periodically to stay informed of any changes.