Disclaimer

This Disclaimer applies to the use of ProtectWise Malaysia and its content. We provide information for general educational purposes only and do not offer personalised financial or insurance advice. Our platform is designed to enhance insurance literacy and takaful awareness for individuals seeking to understand financial protection options available in Malaysia.

General Disclaimer

The content presented on our platform, including information about life insurance, general insurance, takaful participation fundamentals, medical card coverage, and BNM regulatory framework basics, is intended for educational purposes only. We strive to ensure accuracy and relevance of all materials, but we do not guarantee that all information is current, complete, or error-free. Insurance products and regulations change frequently, and users should verify information with official sources before making decisions.

Our resources are designed to help Malaysian individuals develop insurance literacy and understand the distinction between various protection mechanisms. However, we cannot be held responsible for any inaccuracies, omissions, or updates to insurance policies, regulatory requirements, or product offerings that may occur after publication. Users are encouraged to consult official BNM publications and insurance provider documentation for the most current information.

No Professional Advice

We do not provide professional financial, legal, insurance, or investment advice. Nothing on our platform should be construed as a recommendation to purchase, modify, or cancel any insurance product or takaful plan. Our educational materials are generic in nature and do not account for individual circumstances, financial situations, health conditions, or personal needs. Each person’s insurance and financial protection requirements are unique and depend on numerous factors including age, health status, family situation, income, and risk tolerance.

Any decisions regarding insurance coverage, medical card selection, or takaful participation should be made in consultation with qualified insurance agents, financial advisors, or professionals licensed by Bank Negara Malaysia. We encourage users to seek personalised guidance from regulated practitioners who can assess individual circumstances and recommend appropriate protection strategies aligned with specific needs and regulatory compliance.

Limitation of Liability

To the maximum extent permitted by applicable Malaysian law, we are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from the use of our platform or reliance on our content. This includes but is not limited to losses related to financial decisions, insurance purchases, or actions taken based on our educational materials. We assume no responsibility for third-party content, external links, or information obtained from sources outside our control.

Users access our platform at their own risk. We provide content on an “as-is” basis without warranties of any kind, express or implied. We do not warrant that our platform will be uninterrupted, error-free, or secure. We are not responsible for any technical issues, data loss, or service interruptions. By using our platform, you acknowledge that you understand the limitations of this disclaimer and accept full responsibility for decisions made based on information obtained from our educational resources.

Third-Party Information and Regulatory Compliance

Our platform provides information about Bank Negara Malaysia’s regulatory framework and insurance regulations in Malaysia. While we strive to reflect current regulations accurately, users should always refer to official BNM sources for authoritative guidance on insurance licensing, takaful operations, and financial protection standards. Regulations and guidelines are subject to change, and we cannot guarantee our information reflects the latest updates.

References to specific insurance products, medical card providers, or takaful operators are for educational purposes only and do not constitute endorsements. Insurance companies and takaful operators operating in Malaysia must be duly licensed by Bank Negara Malaysia. Users should verify the regulatory status and legitimacy of any insurance provider before entering into agreements. We encourage consultation of the BNM website and official registers of licensed insurers for verification purposes.

Changes to This Disclaimer

We may update this Disclaimer at any time to reflect changes in our services, applicable laws, or other factors we deem necessary. Updates will be posted on our platform with a revised “Last updated” date. Your continued use of our platform following any changes constitutes your acceptance of the updated Disclaimer. We recommend reviewing this page periodically to stay informed of any modifications that may affect your use of our educational resources and platform services.