Terms of Service

Last updated: March 3, 2026

These Terms of Service govern your use of RinggitGuard 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. If you do not agree with these terms, please discontinue use of our services immediately.

Acceptance of Terms

By using our website and educational resources, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. Our platform provides educational information about currency risk, ringgit fluctuations, exchange rates, and foreign currency exposure for informational purposes only. We are not liable for any decisions you make based on the information provided. Your use of our services is entirely at your own risk, and we strongly recommend consulting with qualified financial advisors before making any investment or currency-related decisions based on our educational content.

User Obligations

As a user of our platform, you agree to comply with all applicable laws and regulations. You must not use our services for illegal activities, harassment, or any purpose that violates third-party rights. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. We reserve the right to suspend or terminate access to users who violate these obligations. You agree not to reproduce, distribute, or transmit any content from our website without prior written permission. Additionally, you must not engage in automated access, data scraping, or any activities that could compromise the integrity of our platform.

Intellectual Property

All content on our website, including text, graphics, logos, images, and educational materials, is the property of our organization or our content licensors and is protected by international copyright laws. You are granted a limited, non-exclusive license to access and view our educational resources for personal, non-commercial purposes only. You may not modify, copy, distribute, transmit, or create derivative works from any content without express written consent. Our trademarks, service marks, and logos may not be used without prior authorization. We actively protect our intellectual property rights and will take legal action against unauthorized use. The information provided about currency risk, exchange rates, and hedging concepts is for educational purposes and may be subject to updates and modifications.

Limitation of Liability

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 our services or reliance on our educational content. Our liability for direct damages is limited to the extent permitted by applicable law. We do not guarantee the accuracy, completeness, or timeliness of information regarding currency risk, ringgit fluctuations, or exchange rate factors. Your use of our platform is at your own risk, and we are not responsible for financial losses or decisions made based on our educational materials. We strongly advise consulting with professional financial advisors before making any investment decisions.

Termination of Service

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and without notice. Termination may occur if you violate these Terms of Service, engage in illegal activities, or for any other reason at our sole discretion. Upon termination, all rights granted to you shall immediately cease, and you must comply with all obligations. We are not liable for any consequences resulting from termination of service. You may discontinue your use of our platform at any time by ceasing to access our website. Even after termination, certain provisions of these terms, including limitations of liability and intellectual property rights, shall continue to apply indefinitely.