Disclaimer
Last updated: March 9, 2026
General Disclaimer
This Disclaimer applies to the use of RetireMY and its content. We provide information for general purposes only and do not constitute financial, legal, or professional advice of any kind. The content on our platform is designed to educate and raise awareness about EPF contribution structures, retirement savings strategies, Account 1 and Account 2 allocations, voluntary contributions, and the i-Saraan self-employed programme in Malaysia.
We make no representations or warranties about the accuracy, completeness, or timeliness of the information presented. While we strive to ensure our content is current and helpful, retirement planning regulations and EPF guidelines may change. We encourage you to verify all information with official sources and seek personalized guidance from qualified professionals before making any financial decisions related to your retirement savings.
Our platform serves as an educational resource to help individuals understand their retirement options. The information provided reflects general knowledge about KWSP, EPF Account structures, and available retirement savings mechanisms, but should not be relied upon as professional advice for your specific circumstances.
No Professional Advice
We do not provide financial advice, investment recommendations, tax guidance, or legal counsel. All content on our platform is provided for informational and educational purposes to increase awareness about retirement savings options available in Malaysia. Nothing we provide should be interpreted as a substitute for professional financial planning, legal advice, or tax consultation.
Every individual’s retirement situation is unique. We strongly recommend consulting with qualified financial advisors, tax professionals, or legal experts who can assess your personal circumstances, income level, employment status, and long-term goals. This is particularly important when considering voluntary contributions, choosing between Account 1 and Account 2 allocations, or exploring self-employed savings options through i-Saraan.
We do not take responsibility for any decisions made based solely on information from our platform. Your use of our resources is at your own risk, and we encourage independent verification of all facts and figures related to EPF regulations, contribution rates, and withdrawal conditions that may affect your retirement planning.
Liability Limits
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform, reliance on our content, or inability to access our services. This includes losses related to financial decisions, investment outcomes, missed contribution opportunities, or any other consequences stemming from the information we provide.
We do not guarantee that our website will be uninterrupted, error-free, or secure. While we maintain our platform with reasonable care, we are not responsible for technical failures, data loss, or service disruptions. Your use of our platform is entirely at your own risk, and we disclaim all warranties, whether express or implied, regarding the fitness of our content for your particular purposes.
We may update this Disclaimer at any time without prior notice. Continued use of our platform following any changes constitutes your acceptance of the updated terms. We encourage you to review this Disclaimer regularly to stay informed of any modifications that may affect your use of our services and the information we provide regarding EPF contributions, retirement savings strategies, and long-term financial planning in Malaysia.