Terms of Service

Last updated: March 21, 2026

These Terms of Service govern your use of RetireWise and its services. By accessing and using our website, you agree to be bound by these terms and conditions. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes.

Acceptance of Terms

By accessing our website and using our retirement planning tools, EPF calculators, and educational resources, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide information about EPF Account 1 and Account 2, KWSP contributions, i-Invest options, and retirement adequacy planning. Your use of these services indicates your acceptance of all terms outlined herein. If you do not agree with any part of these terms, you should discontinue your use of our platform immediately.

User Obligations

Users are responsible for maintaining the confidentiality of any account information and for all activities that occur under their account. We expect all users to comply with applicable laws and regulations, particularly those governing retirement savings in Malaysia. You agree not to use our platform for unlawful purposes, including but not limited to spreading misinformation about EPF regulations or KWSP policies. Users must provide accurate information when using our calculators and tools. We are not responsible for any errors resulting from incorrect data entry or misuse of our retirement planning resources.

Intellectual Property

All content on our platform, including text, graphics, logos, images, and software related to EPF education and retirement planning, is the intellectual property of our organization or our content partners. You are granted a limited license to access and use this material for personal, non-commercial purposes only. Reproduction, distribution, or transmission of any content without our express written permission is strictly prohibited. This includes our unique retirement adequacy frameworks, EPF calculator methodologies, and i-Invest educational materials. You may not modify, translate, or create derivative works based on our content.

Limitation of Liability

We provide our retirement planning tools, EPF calculators, and educational content on an “as-is” basis without warranties of any kind. While we strive to ensure accuracy in our information about KWSP contributions and retirement strategies, we are not liable for any errors, omissions, or inaccuracies. We do not guarantee specific retirement outcomes or investment returns. Your use of our tools is at your own risk, and we are not responsible for financial decisions made based on our educational content. Users should consult with qualified financial advisors before making significant retirement decisions.

Termination

We reserve the right to terminate or suspend access to our services at any time, with or without cause, and with or without notice. Reasons for termination may include violation of these Terms of Service, misuse of our platform, or unlawful conduct. Upon termination, all rights granted to you will immediately cease. We may also discontinue or modify specific features, tools, or services, including our EPF calculator or i-Invest resources, at our discretion. Termination does not relieve you of any obligations incurred before the termination date.