Last Updated: 24 April 2026 · Effective Date: 24 April 2026
1. Acceptance of Terms
By accessing or using ringgitwise.co (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service. These Terms form a legal agreement between you and RinggitWise ("we", "our", "us").
2. Description of Service
RinggitWise provides free online financial calculators and educational content covering Malaysian personal finance topics including but not limited to loans, mortgages, insurance, investing, retirement planning, taxation, estate distribution, and Islamic finance. The Service is provided "as is" and is intended for educational and informational purposes only.
3. Not Financial Advice
Important: Nothing on RinggitWise constitutes personalised financial, investment, tax, legal, or insurance advice. We are not licensed financial advisers, tax agents, or insurance brokers. Calculator outputs are estimates based on the inputs you provide and stated assumptions. They may not reflect your actual costs, returns, or tax liabilities. You should consult a licensed professional before making any financial decision.
See our full Disclaimer for details.
4. Use of the Service
You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of others. You may not:
- Scrape, crawl, or systematically extract content beyond reasonable browsing
- Reverse-engineer, decompile, or attempt to extract source code
- Use the Service to harm, harass, or impersonate others
- Upload or transmit malware, spam, or unlawful content
- Interfere with or disrupt the Service or its servers
- Use automated tools (bots, scrapers) without our prior written consent
- Resell, sublicense, or commercially redistribute our content without permission
5. Intellectual Property
All content on RinggitWise — including calculator logic, written articles, graphics, and the RinggitWise name and logo — is the property of RinggitWise or its licensors and protected by Malaysian and international copyright, trademark, and other intellectual property laws.
You may share links to our pages and quote short excerpts (under 100 words) with proper attribution. Wholesale copying, republication, or commercial use requires our prior written consent. Email partner@ringgitwise.co for licensing enquiries.
6. Third-Party Links and Affiliate Disclosure
The Service may contain links to third-party websites, including affiliate links to insurance providers, banks, brokers, and comparison platforms. When you click an affiliate link and complete a qualifying action, we may earn a commission at no additional cost to you. We disclose these relationships clearly. We are not responsible for the content, practices, or terms of third-party sites.
7. Advertising
RinggitWise displays advertisements served by Google AdSense and other ad networks. We do not control the specific ads shown. Some ads may be personalised based on your browsing history. See our Privacy Policy for details on advertising cookies and how to opt out.
8. Accuracy of Information
We strive to keep all rates, formulas, and information accurate and current. However, financial markets, interest rates, tax laws, and bank policies change frequently. We make no warranty that the Service will be uninterrupted, error-free, or always current. Always verify critical figures with the relevant bank, regulator, or licensed professional before acting.
9. Limitation of Liability
To the maximum extent permitted by Malaysian law, RinggitWise, its founders, employees, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages — including but not limited to loss of profit, data, or financial loss — arising from your use of, or inability to use, the Service or any content on it. Your sole and exclusive remedy is to stop using the Service.
10. Indemnification
You agree to indemnify and hold harmless RinggitWise from any claims, damages, liabilities, or expenses (including reasonable legal fees) arising from your violation of these Terms or your misuse of the Service.
11. Termination
We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including breach of these Terms.
12. Governing Law and Jurisdiction
These Terms are governed by the laws of Malaysia. Any disputes arising from or relating to these Terms or the Service shall be resolved exclusively by the courts of Malaysia. If you are based outside Malaysia, you nonetheless agree to the jurisdiction of Malaysian courts for any such disputes.
13. Changes to These Terms
We may revise these Terms from time to time. The "Last Updated" date at the top reflects the latest revision. Continued use of the Service after changes constitutes acceptance of the revised Terms.
14. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
15. Contact
For questions about these Terms, email hello@ringgitwise.co or visit our Contact page.