Terms of Service

Last updated: March 18, 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. If you do not agree with any part of these terms, please do not use our services. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes.

Acceptance of Terms

Your use of our website constitutes your acceptance of these Terms of Service in their entirety. We provide educational resources on financial planning, budgeting strategies, emergency fund building, and long-term financial goal setting for Malaysian households. By creating an account or accessing our content, you acknowledge that you have read, understood, and agree to comply with all provisions outlined herein. We recommend reviewing these terms periodically as we may update them to reflect changes in our services, legal requirements, or operational practices. Your continued access to our platform following any modifications signifies your acceptance of the updated terms.

User Obligations

As a user of our platform, you agree to use our services only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment. You acknowledge that you are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. You agree not to engage in any conduct that could damage, disable, overburden, or impair our services, including but not limited to distributing malware, launching attacks, or attempting to gain unauthorized access. Users must provide accurate information when registering and updating their profiles. You further agree to comply with all applicable laws and regulations in Malaysia and internationally when using our educational resources.

Intellectual Property Rights

All content on our platform, including text, graphics, logos, images, videos, and educational materials, is the exclusive property of our organization or our content contributors and is protected by copyright and intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to view and use our content for personal, non-commercial educational purposes only. You may not reproduce, distribute, modify, adapt, translate, or create derivative works from any of our materials without prior written consent. This includes our guides on household budgeting strategies, savings account comparisons, and financial goal setting frameworks. Unauthorized use of our intellectual property may result in legal action and the immediate termination of your access to our services.

Limitation of Liability

Our website and services are provided on an “as-is” basis without warranties of any kind, either express or implied. We do not guarantee that our content is always accurate, complete, or error-free. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages. The financial planning information we provide is for educational purposes only and should not be construed as professional financial advice. Users are encouraged to consult with qualified financial advisors before making investment decisions. We are not responsible for any financial losses or decisions made based on information obtained from our platform.

Termination

We reserve the right to terminate or suspend your access to our services at any time and for any reason, including but not limited to violation of these terms, engagement in illegal activity, or breach of user obligations. Termination may occur without notice and without liability to us. Upon termination, your right to access and use our services will immediately cease. Any provisions that by their nature should survive termination, including intellectual property rights and limitations of liability, shall remain in effect. We may also discontinue or modify our services or any portion thereof at any time. If you wish to terminate your account, you may do so by contacting us through the appropriate channels, though some information may be retained for legal or operational purposes in accordance with applicable regulations.