Disclaimer

General Disclaimer

This Disclaimer applies to the use of SafetyNet Fund and its content. We provide information for general educational purposes only and do not offer personalised financial advice, recommendations, or investment guidance. All content on our platform, including information about emergency funds, financial safety nets, fixed deposits, high-yield savings accounts, and PIDM deposit insurance, is intended to help you understand these concepts better.

We make no representations or warranties regarding the accuracy, completeness, or timeliness of the information provided. Financial markets, interest rates, regulations, and insurance coverage terms change frequently. While we strive to keep our resources current, we cannot guarantee that all information reflects the latest changes in Malaysian financial regulations or banking products. You should verify any information with official sources and current product documentation before making financial decisions.

No Professional Financial Advice

The educational materials we provide, including guidance on three-to-six month expense reserve calculations, fixed deposit laddering strategies, and PIDM insurance coverage limits, are not substitutes for professional financial, legal, or investment advice. We do not know your personal financial situation, risk tolerance, investment objectives, or time horizon. What works for one person may not be appropriate for another.

Before implementing any strategy discussed on our platform—such as opening a high-yield savings account, purchasing fixed deposits, or building an emergency fund—we strongly encourage you to consult with a qualified financial advisor, accountant, or investment professional who understands your complete financial picture. Professional advisors can provide personalised recommendations tailored to your specific circumstances and goals. We are not responsible for any financial decisions you make based on information from our website.

Limitation of Liability

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 platform or reliance on the information provided. This includes losses resulting from market fluctuations, changes in interest rates, bank failures, insurance claim denials, or regulatory changes affecting financial products or PIDM coverage.

• We are not liable for errors, omissions, or inaccuracies in our content
• We do not guarantee that our website or resources will be error-free or uninterrupted
• We do not warrant that any financial product or strategy will achieve your desired results
• We are not responsible for third-party content, links, or recommendations
• Your use of our educational resources is at your own risk and discretion

By accessing and using our platform, you acknowledge that you understand these limitations and accept full responsibility for any financial decisions you make. We encourage you to conduct thorough research and seek professional guidance before taking any financial action.