Disclaimer

Last updated: March 9, 2026

This Disclaimer applies to the use of DebtWise Malaysia and its content. We provide information for general educational purposes only and do not offer professional financial, legal, or investment advice. The materials presented on our platform are intended to enhance your understanding of debt management fundamentals, credit concepts, and the services provided by AKPK (Agensi Kaunseling dan Pengurusan Kredit), including debt-to-income ratio calculations, credit card interest rate concepts, CCRIS credit report interpretation basics, and the AKPK Debt Management Programme overview. By accessing and using our resources, you acknowledge that you have read and understood these disclaimers.

No Professional Advice

We provide educational content designed to increase financial literacy and awareness of debt management strategies available in Malaysia. Our resources covering debt-to-income ratio calculations, credit card interest rate understanding, AKPK counseling services, and CCRIS credit report interpretation are informational only. We do not provide professional financial advice, legal counsel, or personalized financial recommendations. The information we present should not be construed as guidance tailored to your specific financial situation, circumstances, or objectives.

Before making any financial decisions regarding debt management, credit applications, or participation in the AKPK Debt Management Programme, you should consult with qualified financial advisors, credit counselors, or legal professionals who can assess your individual circumstances. We strongly encourage users to verify all information with official sources such as AKPK, Bank Negara Malaysia, and the Credit Bureau (CCRIS).

Limitations of Liability

To the fullest extent permitted by applicable 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 the information provided. This includes but is not limited to losses related to financial decisions, credit applications, debt restructuring, or participation in the AKPK Debt Management Programme based on content found on our platform.

We make no warranties, express or implied, regarding the accuracy, completeness, timeliness, or reliability of any information presented. Interest rates, fees, credit terms, and AKPK programme details are subject to change without notice. While we endeavor to maintain current and accurate content, we cannot guarantee that all information reflects the latest updates from financial institutions or regulatory bodies. Your use of our resources is entirely at your own risk and discretion.

No Endorsement

Our provision of educational content about debt management, credit cards, CCRIS, and AKPK services does not constitute an endorsement of any particular financial product, credit institution, or service provider. We do not recommend specific banks, credit card providers, or debt management programs. Any mention of AKPK, CCRIS, Bank Negara Malaysia, or other entities is for informational and educational purposes only.

User Responsibility

You are responsible for evaluating the accuracy, completeness, and usefulness of all information provided on our platform. We recommend independent verification of any financial data, credit calculation methods, or debt management strategies before implementation. Your financial decisions, credit applications, and participation in any debt management programme are your sole responsibility.

We are not responsible for any consequences resulting from your interpretation or application of the educational materials provided, including but not limited to changes in your credit score, rejection of credit applications, or outcomes related to AKPK counseling or debt restructuring programmes.

Changes to Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to our website. Your continued use of our platform following any modifications constitutes your acceptance of the updated Disclaimer. We encourage you to review this page periodically to remain informed of any changes.

Governing Law

This Disclaimer is governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. Any disputes arising from your use of our website or the information provided shall be subject to the exclusive jurisdiction of the courts of Malaysia.