Terms of Service

Last updated: March 16, 2026

These Terms of Service govern your use of RetireSmart Analytics and its services. By accessing and using our website, you agree to be bound by these terms. We provide comprehensive information and analysis on Malaysia’s public pension system, Employee Provident Fund (EPF) performance, retirement planning, and related financial topics. Your continued use of our platform constitutes your acceptance of these terms in their entirety.

Acceptance of Terms

By using our services, you confirm that you have read, understood, and agree to be legally bound by these Terms of Service. We reserve the right to modify these terms at any time without prior notice. Your continued use of our website following any changes constitutes your acceptance of the updated terms. If you do not agree with any part of these terms, you must discontinue your use of our services immediately. We encourage you to review these terms periodically to stay informed of any updates or modifications that may affect your rights and obligations as a user of our platform.

User Obligations

As a user of our services, you agree to use our platform only for lawful purposes and in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any account information you create and for all activities that occur under your account. We prohibit the use of our services for illegal activities, harassment, or distribution of harmful content. You agree not to attempt to gain unauthorized access to our systems or networks. Additionally, you must not reproduce, duplicate, or exploit any content from our platform without explicit written permission. We hold users accountable for their conduct and reserve the right to investigate and take appropriate action against any misuse or violation of these obligations.

Intellectual Property Rights

All content on our platform, including articles, research, analysis, graphics, and data related to Malaysia’s pension system and EPF, is the exclusive property of our organization or our content providers. We grant you a limited, non-exclusive license to access and view this content for personal, non-commercial purposes only. You may not modify, distribute, transmit, display, or publish any content without our prior written consent. We actively protect our intellectual property rights and will take legal action against unauthorized use or infringement. Your use of our content is restricted to your personal education and reference regarding retirement planning, pension contributions, and dividend distribution trends in Malaysia. Any commercial use, redistribution, or republication of our content is strictly prohibited.

Limitation of Liability

We provide our services and content on an “as-is” basis without warranties of any kind, express or implied. To the maximum extent permitted by law, we disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or reliance on our information. This includes damages for loss of profits, data, or other intangible losses. Our total liability is limited to the amount you paid for accessing our services. While we strive to provide accurate information about EPF sustainability and retirement adequacy projections, we make no guarantees regarding the accuracy or completeness of our analysis. Users should conduct their own research and consult financial advisors before making retirement decisions.

Termination of Access

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and without notice. Termination may occur if you violate these Terms of Service, engage in illegal activities, or misuse our platform. Upon termination, your right to use our services ceases immediately. We may also terminate access due to technical issues, maintenance requirements, or discontinuation of services. Your obligations under these terms survive any termination of your access. We will not be liable for any losses or damages resulting from the termination of your access, except as may be required by applicable law. If we terminate your access, you must immediately cease all use of our platform and delete any content you may have downloaded, subject to our retention of data as permitted by law.