Terms of Service
Last updated: March 9, 2026
These Terms of Service govern your use of DebtWise Malaysia and its services. By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by these terms. We are committed to providing you with reliable educational resources about debt management, credit understanding, and financial literacy. If you do not agree with any part of these terms, please discontinue using our services immediately.
1. Acceptance of Terms
Your access to and use of our website constitutes your acceptance of these Terms of Service in their entirety. We reserve the right to modify these terms at any time without prior notice. Your continued use of our services following any changes indicates your acceptance of the updated terms. We encourage you to review these terms periodically to stay informed of any modifications. These terms apply to all users, including visitors, browsers, and those who contribute content or information to our platform.
2. User Obligations and Conduct
As a user of our platform, you agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, and disrupting the normal flow of dialogue within our platform. You are responsible for maintaining the confidentiality of any account information you create and for all activities that occur under your account. We are not liable for any unauthorized use of your account. You agree to notify us immediately of any unauthorized access or security breach.
3. Intellectual Property Rights
All content on our website, including text, graphics, logos, images, and educational materials, is the property of our organization or our content suppliers and is protected by international copyright laws. You may not reproduce, distribute, transmit, display, or otherwise use any content without our prior written permission. The educational resources we provide, including information about debt management, credit card interest calculations, and CCRIS interpretation, are provided for informational purposes only. You may download and print materials for personal, non-commercial use only, provided you retain all copyright notices and attributions.
4. Limitation of Liability
Our website and all information provided thereon are offered on an “as is” basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or reliability of any content. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services. This includes loss of data, business interruption, or any financial losses. The educational materials provided about debt-to-income ratios, AKPK programmes, and credit reports are general in nature and should not be considered professional financial advice.
5. Termination of Access
We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and with or without notice. Grounds for termination include violation of these terms, engagement in unlawful activity, or any conduct that we deem harmful to our services or other users. Upon termination, your right to use our website ceases immediately. We are not liable to you or any third party for any termination of your access or use of our services. Any provisions that by their nature should survive termination shall remain in effect, including intellectual property rights and limitation of liability clauses.
These Terms of Service are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from your use of our website shall be resolved through appropriate legal channels. We appreciate your understanding and compliance with these terms as we work to provide valuable educational resources on debt management, credit understanding, and financial literacy in Malaysia. Thank you for using our platform responsibly.