Disclaimer

Last updated: March 9, 2026

General Disclaimer

This Disclaimer applies to the use of BufferWise and its content. We provide information for general educational purposes only and do not offer personalised financial advice, investment recommendations, or professional guidance. The information contained on our website regarding emergency fund planning, financial buffer building, savings reserve calculation, and fixed deposit understanding is intended to help you develop awareness of financial concepts relevant to household stability in Malaysia.

We make no representations or warranties about the accuracy, completeness, or timeliness of any content presented. While we strive to provide reliable information based on current financial practices and methodologies, circumstances change frequently, and the information provided may become outdated without notice. Your use of our educational materials is entirely at your own risk.

We encourage you to verify any information independently and consult appropriate resources before making financial decisions. The three-to-six month reserve calculation methodology we discuss represents general guidance, not a definitive standard applicable to every individual situation.

No Professional Advice

Nothing on our website constitutes professional financial, legal, tax, or investment advice. We are not licensed financial advisors, investment professionals, or legal practitioners. The educational resources we provide about savings accounts, fixed deposits, and financial stability are meant to increase your awareness and understanding of available options in the Malaysian financial landscape.

We do not assess your personal circumstances, financial goals, risk tolerance, or household situation. Any decisions you make regarding emergency fund establishment, savings reserve amounts, or fixed deposit selection must be made independently or with qualified professional advice from licensed advisors in Malaysia. Your unique circumstances require personalised evaluation that we cannot and do not provide.

The information presented should serve as a starting point for your financial education, not as a substitute for professional consultation with accountants, financial planners, or banking specialists who understand your complete situation.

Liability Limits

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website, reliance on our content, or inability to access our services. This includes losses related to emergency fund decisions, savings calculations, fixed deposit selections, or any financial outcomes resulting from information presented on our platform.

We do not guarantee that our website will be uninterrupted, error-free, or free from harmful components. We are not responsible for any technical failures, data loss, or service disruptions that may occur. Your access to and use of our educational materials is at your sole risk and discretion.

By accessing our website, you acknowledge that you have read and understood these limitations and agree to assume full responsibility for any decisions made based on our content. We reserve the right to modify, update, or discontinue any information without prior notice, and such changes do not obligate us to notify you of revisions.