Terms of Service
Last updated: March 20, 2026
Acceptance of Terms
These Terms of Service govern your use of RetireRight Asia and its services. By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by these terms and all applicable laws and regulations. We provide comprehensive information about EPF retirement planning, KWSP structures, and voluntary contribution options for Malaysian residents. Your continued use of our platform constitutes your acceptance of these terms. If you do not agree with any part of these terms, you must discontinue using our services immediately. We reserve the right to modify these terms at any time, and your continued use following such modifications indicates your acceptance of the updated terms.
User Obligations and Responsibilities
When using our services, you agree to provide accurate and complete information about your retirement planning needs and personal circumstances. You are responsible for maintaining the confidentiality of any account credentials and for all activities conducted through your use of our platform. We require that you use our services solely for lawful purposes and in accordance with these terms. You agree not to engage in any conduct that could disrupt or interfere with our website’s functionality or security. You acknowledge that information provided about EPF Account 1, Account 2, i-Saraan programs, and retirement adequacy is for educational purposes. You must not misuse our content or attempt to circumvent any security measures. Your compliance with these obligations ensures a safe and reliable experience for all users.
Intellectual Property Rights
All content on our platform, including text, graphics, logos, images, and educational materials about EPF, KWSP, and retirement planning, is the property of RetireRight Asia or its content providers and is protected by applicable copyright and intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to access and use this content for personal, non-commercial purposes only. You may not reproduce, distribute, transmit, display, or perform any content without our prior written permission. This restriction applies to all materials including guides on voluntary contributions, i-Saraan for self-employed individuals, and retirement adequacy awareness resources. Any unauthorized use of our intellectual property is strictly prohibited. We actively protect our proprietary information and will pursue legal remedies for infringement.
Limitation of Liability
Our services and all content provided are offered 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 EPF retirement planning, KWSP account structures, or voluntary contribution options. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services. We recommend consulting with qualified financial advisors or official EPF representatives for personalized retirement planning advice. Your reliance on any information provided is at your own risk. We make no representations regarding the suitability of our content for your specific financial circumstances or retirement goals. This limitation applies regardless of the legal theory on which such damages are claimed.
Termination of Service
We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Grounds for termination include violation of these terms, misuse of our platform, or any conduct we deem harmful to our services or other users. Upon termination, your right to use our services immediately ceases, and you must discontinue all access to our website and content. We may also terminate services for maintenance, updates, or other operational reasons. Termination does not relieve you of any obligations incurred prior to the effective date of termination. We will make reasonable efforts to provide notice when terminating services for non-compliance, but such notice is not required in cases of emergency or severe violations. The provisions of these terms that are intended to survive termination shall remain in effect following any termination of service.
Important: These terms are intended to govern your use of our educational platform. We strongly advise consulting with qualified financial professionals, official EPF representatives, or authorized KWSP officers for personalized retirement planning advice specific to your circumstances. Information about Account 1, Account 2, voluntary contributions, i-Saraan programs, and retirement adequacy is provided for general educational awareness purposes only and should not be considered financial or investment advice.