Terms of Service

Acceptance of Terms

These Terms of Service govern your use of Ringgit Shield and its services. By accessing, browsing, or using our website and the financial resources, articles, calculators, and educational materials we provide, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you may not use our services.

We reserve the right to modify these terms at any time. Your continued use of our website following the posting of changes constitutes your acceptance of such modifications. We encourage you to review these terms regularly to ensure you remain informed about the conditions governing your use of our platform.

User Obligations and Responsibilities

When using our services, you agree to comply with all applicable laws and regulations related to consumer finance, household budgeting, and economic awareness in Malaysia. You are responsible for maintaining the confidentiality of any account information you may create and for all activities that occur under your account.

You agree not to use our platform for any unlawful purposes, including but not limited to spreading misinformation about economic indicators, price indices, or financial advice. You will not attempt to manipulate, reverse-engineer, or gain unauthorized access to any portion of our website. You agree to use our resources responsibly and in good faith for personal financial education and household expense management.

• Provide accurate information when interacting with our services
• Use our calculators and resources for legitimate household finance planning
• Respect intellectual property rights and copyrighted content
• Not engage in any form of harassment, spam, or abusive behavior

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, articles, calculators, cost-of-living analysis tools, and other materials, are the exclusive property of our organization or our content providers. This content is protected by Malaysian copyright laws and international copyright conventions.

You are granted a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes related to understanding inflation, purchasing power trends, and household financial planning. You may not reproduce, distribute, transmit, or otherwise exploit any content without our prior written permission. Unauthorized use of our intellectual property is strictly prohibited and may result in legal action.

Limitation of Liability

Our website and services are provided on an “as-is” basis without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or timeliness of information regarding inflation rates, consumer price indices, ringgit purchasing power trends, or subsidy rationalization impacts.

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, including damages related to financial losses, missed opportunities, or decisions made based on our content. While we strive to provide accurate information about cost-of-living awareness and economic trends, you acknowledge that financial decisions should be made in consultation with qualified professionals.

Termination of Service

We reserve the right to terminate or restrict your access to our services 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 behavior we deem harmful to other users or the integrity of our platform.

Upon termination, your right to use our website and services immediately ceases. All provisions of these terms that by their nature should survive termination will continue in effect, including limitations on liability, intellectual property rights, and dispute resolution. We will not be liable to you or any third party for termination of your access to our services.