Terms of Service

Last updated: March 9, 2026

Acceptance of Terms

These Terms of Service govern your use of FinSmart Malaysia 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 must discontinue your use of our platform immediately. We reserve the right to modify these terms at any time, and such modifications become effective upon posting to our website. Your continued use of our services following any changes constitutes your acceptance of the modified terms. We encourage you to review these terms periodically to stay informed of any updates. These terms apply to all visitors, users, and others who access our website and utilize our educational resources on consumer rights awareness and financial product understanding in Malaysia.

User Obligations

When using our services, you agree to comply with all applicable laws and regulations in Malaysia. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. We expect users to engage with our content in good faith and to respect the intellectual property rights of others. You agree not to use our platform for unlawful purposes, including but not limited to distributing malware, engaging in fraud, or harassing other users. Additionally, you commit to providing accurate and truthful information when interacting with our educational resources. You shall not attempt to gain unauthorized access to our systems or bypass any security measures we have implemented. We reserve the right to suspend or terminate accounts that violate these obligations without prior notice.

Intellectual Property Rights

All content provided on our platform, including text, graphics, logos, images, and educational materials about BNM licensed institution verification, financial product disclosure documents, and consumer complaint channels, is the exclusive property of our organization or licensed content providers. This content is protected by Malaysian copyright laws and international copyright treaties. You are granted a limited, non-exclusive license to view and print content solely for your personal, non-commercial use. You may not reproduce, distribute, transmit, modify, or create derivative works of any content without explicit written permission from us. Unauthorized use of our intellectual property may result in legal action. We respect third-party intellectual property rights and expect our users to do the same. Any infringement reports should be directed through appropriate channels.

Limitation of Liability

Our educational resources are provided on an “as-is” basis without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or timeliness of information regarding consumer rights in Malaysia, BNM licensed institutions, or financial product disclosure documents. We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use our services. This includes losses related to data, business interruption, or financial decisions made based on our content. While we strive to provide accurate information about BNMTELELINK and consumer complaint channels through BNM LINK, we cannot be held responsible for errors or omissions. Users are encouraged to verify information through official BNM sources and consult qualified financial advisors before making financial decisions.

Termination

We may terminate or suspend your access to our services immediately and without notice if you violate these Terms of Service or engage in conduct we deem inappropriate. Upon termination, your right to use our platform ceases immediately. You remain responsible for any outstanding obligations incurred prior to termination. We may also terminate services for maintenance purposes or if we discontinue operations. Termination does not relieve you of obligations incurred before the termination date. Upon termination, you must cease all use of our materials and delete any downloaded content unless we permit otherwise. We reserve the right to refuse service to anyone at our discretion. Any content or data associated with your account may be permanently deleted following termination.