Disclaimer

Last updated: March 9, 2026

This Disclaimer applies to the use of FinSmart Malaysia and its content. We provide information for general educational purposes only to help Malaysian consumers understand their financial rights and responsibilities. Our content is designed to raise awareness about consumer protection mechanisms and financial product understanding, not to provide professional financial advice or legal guidance.

General Disclaimer

We make no representations or warranties regarding the accuracy, completeness, or timeliness of the information provided on our platform. All content is offered in good faith to enhance consumer awareness about financial products and banking institutions licensed by Bank Negara Malaysia (BNM). However, financial circumstances vary significantly between individuals, and information that applies to one person may not apply to another.

We do not guarantee that our resources will be error-free or that access will be uninterrupted. While we strive to maintain high-quality educational content about BNM licensed institution verification, disclosure documents, and comparison shopping for savings products, we cannot be held responsible for any omissions or inaccuracies. Consumer needs and financial products evolve, and we encourage users to verify information through official BNM channels.

No Professional Advice

The information presented on our platform should not be construed as professional financial, investment, legal, or tax advice. We are not licensed financial advisors, and our content does not replace consultation with qualified professionals such as financial planners, accountants, or lawyers. Our purpose is to educate consumers about their rights and available resources, including BNM LINK and BNMTELELINK complaint channels.

If you require specific guidance regarding financial products, investment strategies, or consumer rights matters, we strongly recommend consulting with licensed professionals who can assess your individual circumstances. Decisions made based solely on our educational materials are your own responsibility, and we assume no liability for any financial or legal consequences resulting from such decisions.

Limitation of Liability

To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or reliance on our educational content. This includes loss of profits, data loss, or business interruption. Even if we have been advised of the possibility of such damages, we shall not be liable for them.

Your use of our platform is entirely at your own risk. We are not responsible for external links or third-party content, including information from BNM or other regulatory bodies. While we strive to direct you to accurate resources about consumer rights in Malaysia and financial product awareness, we do not control these external sources and cannot guarantee their accuracy or availability at all times.

Changes to Disclaimer

We reserve the right to modify this Disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our platform following any modifications constitutes your acceptance of the updated terms. We recommend reviewing this Disclaimer regularly to stay informed of any changes.

User Responsibility

By accessing and using our educational resources, you acknowledge that you understand and agree to this Disclaimer. You are responsible for evaluating the appropriateness of our content for your specific situation. We encourage all users to conduct independent research, verify information through official sources such as Bank Negara Malaysia, and seek professional advice before making any financial decisions based on the information we provide.