Disclaimer

Last updated: March 21, 2026

General Disclaimer

This Disclaimer applies to the use of RetireWise and its content. We provide information for general educational and informational purposes only. The content on our website, including information about EPF Account 1 and Account 2, KWSP contributions, voluntary top-ups, i-Invest basic awareness, and retirement adequacy estimation, is intended to help you understand Malaysian retirement planning concepts. However, this information should not be construed as comprehensive guidance tailored to your specific financial situation or retirement goals.

We strive to ensure that all information presented is accurate and current as of the publication date. However, we do not guarantee the completeness, accuracy, or timeliness of any information on our website. Retirement regulations, contribution rates, and policy details are subject to change by the Employees Provident Fund Board (KWSP). We recommend verifying all information directly with official KWSP sources before making any decisions based on our content.

No Professional Advice

The content provided on our website does not constitute professional financial, legal, investment, or retirement planning advice. We are not licensed financial advisors, and nothing on our platform should be relied upon as personalized financial guidance. The tools and information we offer, such as our EPF calculator and retirement adequacy estimators, are provided as educational aids to help you understand concepts related to retirement planning in Malaysia.

Every individual’s financial situation, retirement needs, and investment preferences are unique. We strongly encourage you to consult with qualified financial advisors, tax professionals, or KWSP representatives who can assess your personal circumstances and provide tailored recommendations. Your retirement decisions should be made only after careful consideration of your own financial objectives and with appropriate professional counsel.

Liability Limits

To the fullest extent permitted by 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 its content. This includes damages resulting from inaccuracies, errors, omissions, or any loss of data, revenue, or profits, whether or not we have been advised of the possibility of such damages.

We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components. We disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose. Your use of our website and all information contained therein is at your sole risk. We may update this Disclaimer at any time to reflect changes in our services or applicable regulations, and continued use of our website constitutes acceptance of any modifications.