Disclaimer

1. General Information Only

The information provided on the MalayForRetire website ("Website") is for general information and educational purposes only. The content is not intended to be and should not be considered as financial, tax, legal, or other professional advice.

You should not act or refrain from acting based on any content included in this Website without first obtaining appropriate professional advice.

2. Not Financial Advice

MalayForRetire is NOT a registered financial advisor, certified financial planner, or licensed financial institution in Malaysia. The information we provide:

• Does not take into account your personal financial situation
• Is not tailored to your individual needs
• Should not be considered as investment advice
• Should not be used as a basis for making financial decisions

3. Seek Professional Advice

We STRONGLY ENCOURAGE you to consult with a certified financial advisor, accountant, or other appropriate professional before making any important financial decisions. Every financial situation is unique, and what is suitable for one person may not be suitable for another.

For advice on EPF and retirement, you may contact:

• Employees Provident Fund (EPF) - www.kwsp.gov.my
• Securities Commission Malaysia - www.sc.com.my
• Bank Negara Malaysia - www.bnm.gov.my
• Licensed financial advisors registered with SC

4. Information Accuracy

Although we strive to ensure the information on the Website is accurate and up-to-date, we make no warranties or representations, express or implied, about:

• The accuracy, completeness, or reliability of the content
• The suitability of information for any particular purpose
• The availability of the Website or its content
• That the Website is free from viruses or other harmful components

5. Investment Performance

PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE RETURNS.

Any information about investment returns, EPF dividends, or other financial performance stated on the Website is based on historical data and does not guarantee the same results in the future.

All investments carry risk, including the risk of loss of capital. The value of investments and income from them can fluctuate and you may not get back the amount invested.

6. Calculators and Tools

Retirement calculators and other financial tools provided on the Website are for illustrative purposes only. Results generated:

• Are based on assumptions and estimates that may not be accurate
• Do not take into account all factors affecting your finances
• Should not be used as a basis for actual financial planning
• Are subject to changes in regulations and laws

7. External Links

The Website may contain links to external websites not controlled by MalayForRetire. We are not responsible for:

• Content of third-party websites
• Their privacy policies or security practices
• Any damages arising from the use of such websites

8. Limitation of Liability

To the extent permitted by Malaysian law, MalayForRetire, its directors, employees, partners, and agents will not be liable for any loss or damage, including but not limited to indirect or consequential loss, or any loss arising from the use of or reliance on information provided on this Website.

9. Regulatory Changes

Regulations relating to EPF, taxes, and retirement in Malaysia are subject to change by the government. Information on the Website may not always reflect the latest changes. Please refer to official sources for the most current information.

10. Contact Us

If you have any questions about this Disclaimer, please contact us at:

MalayForRetire
Email: [email protected]
Phone: +60 12-277 5412
Address: 14, Jl. USJ 6/2j, Usj 6, 47610 Subang Jaya, Selangor, Malaysia