Disclaimer

Last updated: March 18, 2026

This Disclaimer applies to the use of SafeGuard Fund and its content. We provide information for general educational and informational purposes only. The content presented on our website regarding emergency preparedness, financial safety nets, liquid assets, and household financial resilience is intended to help you understand fundamental principles of financial planning in Malaysia.

General Disclaimer

We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or reliability of any information, resources, or tools provided. Our content is based on general financial principles and may not reflect the specific circumstances of your household or financial situation. Market conditions, interest rates, and regulatory requirements in Malaysia change frequently, and the information provided may become outdated without notice.

We are not responsible for any loss, damage, or inconvenience caused by reliance on the information contained on our website. Users should exercise caution and judgment when applying any guidance or calculations to their personal financial situations. The financial landscape in Malaysia is complex, and individual circumstances vary significantly.

No Professional Advice

The content provided does not constitute professional financial advice, investment advice, legal advice, or tax advice. We do not provide personalized recommendations tailored to your specific financial situation, goals, or constraints. Emergency fund calculations, liquid asset selections, and savings vehicle comparisons presented are educational examples only and should not be treated as prescriptive guidance for your personal use.

Before making any financial decisions regarding your emergency fund, selecting savings vehicles, or implementing financial resilience strategies, we strongly recommend consulting with qualified financial advisors, accountants, or legal professionals who understand your complete financial picture and Malaysian regulatory requirements. Professional advisors can provide personalized guidance appropriate to your circumstances.

Liability Limits

To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website, reliance on our information, or inability to access our services. This includes but is not limited to financial losses, missed opportunities, or decisions made based on our content. We are not liable for third-party content, external links, or information obtained through other sources.

Our website is provided on an “as-is” basis without warranties of any kind. We do not guarantee that our website will be error-free, uninterrupted, or free from harmful components. Your use of our website is at your own risk, and you assume full responsibility for any outcomes resulting from reliance on the information provided. We reserve the right to modify, suspend, or discontinue our services at any time.

Changes to This Disclaimer

We may update this Disclaimer periodically to reflect changes in our services, legal requirements, or other circumstances. Please review this page regularly to stay informed of any updates. Your continued use of our website following changes indicates your acceptance of the updated terms. We recommend checking back frequently, as changes may occur without additional notice beyond what is provided on this page.