Disclaimer
Last updated: March 20, 2026
General Disclaimer
This Disclaimer applies to the use of RetireRight Asia and its content. We provide information regarding EPF retirement planning, KWSP account structures, voluntary contributions, i-Saraan for self-employed individuals, and retirement adequacy awareness for general educational purposes only. The information presented on our website is intended to help you understand Malaysian retirement savings systems and planning concepts. However, we do not provide personalized financial, legal, or investment advice. All content is offered in good faith based on publicly available information and general knowledge about Malaysian retirement schemes as of the current date. We make no guarantees regarding the accuracy, completeness, or timeliness of any information provided. Laws, regulations, and EPF/KWSP policies may change without notice, and our content may not reflect the most recent updates.
No Professional Advice
The content on our website does not constitute professional financial, investment, legal, or tax advice. We are not qualified financial advisors, tax professionals, or legal experts. Any information we provide about EPF accounts, Account 1 and Account 2 structures, voluntary contribution options, or i-Saraan schemes should not be considered as a substitute for professional consultation. Before making any significant financial decisions regarding your retirement planning, you should consult with a qualified financial advisor, tax specialist, or legal professional who can assess your individual circumstances. We do not accept liability for any decisions made based solely on information from our website. Your retirement planning is highly personal and requires individualized assessment based on your unique financial situation, goals, and circumstances.
Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or reliance on its content. This includes loss of income, business profits, data loss, or any other financial losses. We are not responsible for third-party content, external links, or information provided by other sources. We do not warrant that our website will be error-free, uninterrupted, or secure. You use our website at your own risk. While we strive to maintain accurate and up-to-date information about Malaysian retirement planning and EPF/KWSP systems, we do not guarantee the completeness or accuracy of any information provided. Your use of our website implies acceptance of this disclaimer in its entirety.
Changes to This Disclaimer
We may update this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting to our website. Your continued use of our website following the posting of revised terms means you accept and agree to the changes. We encourage you to review this Disclaimer periodically to stay informed of any updates. If you do not agree with any changes made to this Disclaimer, please discontinue your use of our website.
Important: Always seek independent professional advice before making retirement planning decisions. The information provided here is for educational purposes and should not be your sole basis for financial decisions.