Terms of Service

Acceptance of terms

By accessing and using money.com.my, you agree to be bound by these terms of service. If you do not agree with any part of these terms, please do not use this website.

What this site provides

money.com.my publishes financial data sourced from Bank Negara Malaysia (BNM) and the Department of Statistics Malaysia (DOSM), along with editorial guides, analysis, and interactive tools (calculators, rate trackers, comparison tables).

Our content is designed to help Malaysians understand publicly available financial data and make informed personal finance decisions. We present data and explain options — the decision is always yours.

Not financial advice

Nothing on money.com.my constitutes financial advice, investment advice, tax advice, or any other form of professional advice. The information published on this site is for general informational purposes only.

money.com.my is not a licensed financial advisor, financial planner, or investment advisor under the Capital Markets and Services Act 2007 or any other Malaysian legislation. We do not hold a Capital Markets Services Licence (CMSL) from the Securities Commission Malaysia.

Before making any financial decision — including opening accounts, taking loans, switching investments, or changing your EPF allocation — you should consult a licensed financial advisor or do your own thorough research. We are not responsible for any financial losses or decisions made based on information published on this site.

Data accuracy

We source data from official Malaysian government APIs (BNM, DOSM) and take reasonable steps to ensure accuracy. However, we cannot guarantee that all data displayed on the site is complete, current, or error-free at all times. API outages, delayed updates, or processing errors may occasionally result in outdated or incorrect figures.

You should always verify critical financial figures against the original source at api.bnm.gov.my or api.data.gov.my before making financial decisions. If you find an error, please email hello@money.com.my and we will correct it promptly.

Editorial content

Our guides and analysis articles represent the editorial views of money.com.my. Some content is AI-assisted in its production and is reviewed for accuracy before publication. Analysis pieces may include perspectives from editorial personas (Adam Tan, Daniel Lim, Sarah Abdullah) — these are not real individuals but analytical frames used for editorial purposes, as disclosed on our About page.

All editorial content is fact-checked against primary sources before publication. Opinions expressed in guides and analysis are those of money.com.my and do not represent the views of BNM, DOSM, or any financial institution mentioned.

Affiliate links and commercial relationships

Some links on money.com.my are affiliate links. If you click through and sign up for a product, we may earn a commission at no additional cost to you. Affiliate relationships are disclosed on every page where they appear.

The presence or absence of an affiliate relationship does not influence our editorial coverage. We include products with no affiliate programme (such as EPF, ASNB, and government schemes) whenever they are the appropriate recommendation.

Third-party links

money.com.my contains links to external websites including bank product pages, government portals (BNM, DOSM, LHDN, KWSP), and financial service providers. These links are provided for convenience and reference. We do not control and are not responsible for the content, privacy practices, or availability of any external site. Linking to a third-party site does not imply endorsement of that site or its products.

Intellectual property

The editorial content, guides, analysis, design, and code of money.com.my are the property of money.com.my. You may share links to our content and quote reasonable excerpts with attribution.

The underlying financial data we display is sourced from public government APIs and belongs to the respective government agencies (BNM, DOSM). Our presentation, commentary, and analysis of that data is original work.

Limitation of liability

money.com.my is provided "as is" without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

To the maximum extent permitted by Malaysian law, money.com.my shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site, reliance on any information provided, or any financial decisions made based on our content.

Governing law

These terms are governed by the laws of Malaysia. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the Malaysian courts.

Changes to these terms

We may update these terms from time to time. Changes take effect when published on this page. The "last updated" date at the top will reflect the most recent revision. Continued use of the site after changes constitutes acceptance of the revised terms.

Contact

For questions about these terms: hello@money.com.my