Terms of Service

Last Updated: October 15, 2023

Welcome to MalayFinance. These Terms of Service ("Terms") govern your use of the MalayFinance website and services offered by MalayFinance ("we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services. We reserve the right to modify these Terms at any time. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

2. Description of Services

MalayFinance provides financial advice and educational content specifically tailored for beginners in Malaysia. Our services include but are not limited to:

  • Financial education resources
  • Financial planning guidance
  • Investment advice for beginners
  • Retirement planning guidance
  • Debt management strategies

We may update, change, or discontinue any aspect of our services at any time without prior notice.

3. Financial Disclaimer

The information provided on our website and through our services is for general informational and educational purposes only. It is not intended to be, and should not be construed as, financial, legal, or tax advice. You should consult with qualified professionals before making any financial decisions.

Past performance is not indicative of future results. Investments involve risk, including the possible loss of principal. MalayFinance does not guarantee any specific outcome or profit.

4. Regulatory Information

MalayFinance operates in compliance with Malaysian financial regulations. We are licensed by the Securities Commission Malaysia and adhere to all applicable laws and regulations governing financial advice in Malaysia.

Our advisors hold relevant certifications and qualifications as required by Malaysian regulatory authorities. However, regulations are subject to change, and we strive to maintain compliance with current requirements at all times.

5. User Accounts

Some features of our services may require you to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

6. User Conduct

When using our website and services, you agree not to:

  • Violate any applicable laws or regulations
  • Infringe on the rights of others
  • Use our services to transmit any harmful or malicious code
  • Attempt to gain unauthorized access to our systems or user accounts
  • Use our services for any illegal or unauthorized purpose
  • Interfere with or disrupt the integrity or performance of our services

7. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of MalayFinance or its content suppliers and is protected by Malaysian and international copyright laws.

You may not reproduce, distribute, display, or create derivative works from any content on our website without our explicit written permission.

Our website may contain links to third-party websites or services that are not owned or controlled by MalayFinance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that MalayFinance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

9. Limitation of Liability

To the maximum extent permitted by law, MalayFinance and its directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use our services
  • Any conduct or content of any third party on our services
  • Any content obtained from our services
  • Unauthorized access, use, or alteration of your transmissions or content

10. Indemnification

You agree to defend, indemnify, and hold harmless MalayFinance and its directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms.

11. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use our services will immediately cease. If you wish to terminate your account, you may simply discontinue using our services.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Malaysia.

13. Contact Us

If you have any questions about these Terms, please contact us at:

Email: [email protected]
Phone: +60 3-2345 6789
Address: Level 15, Menara XYZ, Jalan Ampang, 50450 Kuala Lumpur, Malaysia