Terms of Service

Last updated: March 16, 2026

Acceptance of Terms

These Terms of Service govern your use of Invest Wisely and its services. By accessing and using our website, 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 platform. We reserve the right to modify these terms at any time, and your continued use of our website constitutes acceptance of any changes. These terms apply to all users, visitors, and anyone accessing our educational content regarding unit trust investments, Amanah Saham funds, and Malaysian investment awareness. We encourage you to review these terms regularly to ensure you understand your rights and responsibilities when using our platform.

User Obligations and Responsibilities

As a user of our platform, you agree to use the website only for lawful purposes and in accordance with these terms. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. We expect users to respect intellectual property rights and refrain from unauthorized access, modification, or distribution of content. You agree not to engage in any conduct that could harm, disable, or impair our services or interfere with other users’ access. When utilizing our educational resources about diversification principles and risk tolerance assessment, you acknowledge that you are responsible for verifying information independently. You must not use our platform to transmit viruses, malware, or any harmful code. We reserve the right to suspend or terminate access for users who violate these obligations or engage in prohibited conduct.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, audio clips, and software, is the exclusive property of our organization or its content suppliers. The compilation, arrangement, and assembly of all content is protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive license to access and use our educational materials for personal, non-commercial purposes only. You may not reproduce, distribute, transmit, display, or perform any content without our prior written permission. This includes all information about unit trust categories, Amanah Saham funds, and investment awareness materials. You acknowledge that you do not acquire any ownership rights by accessing our content. We protect our trademarks, service marks, and brand identity vigorously. Unauthorized use of our intellectual property may result in legal action and damages.

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 that our content is accurate, complete, or suitable for your specific circumstances. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. 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. Our educational materials about risk tolerance and diversification principles are for informational purposes only and should not be construed as financial advice. We recommend consulting with qualified financial advisors before making investment decisions. We are not responsible for third-party content or external links. Your use of our platform is at your own risk and discretion.

Termination of Access

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and without prior notice. Termination may occur if you violate these terms, engage in unlawful activity, or for any other reason at our sole discretion. Upon termination, your right to use our services ceases immediately. We may delete your account and associated data if access is terminated for violation of these terms. You remain responsible for all activities conducted under your account prior to termination. If we terminate your access due to violations, you may not attempt to circumvent restrictions or create new accounts. We will make reasonable efforts to provide notice of termination when possible, though we are not obligated to do so. Termination does not affect your obligations under these terms or any other agreement between you and us.

Amendments and Updates

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or other operational considerations. Any changes will be effective immediately upon posting to our website, and your continued use constitutes acceptance. We recommend checking back regularly for updates to ensure you are familiar with current terms. Material changes may be communicated through email or prominent notice on our website. We are not responsible for notifying you of minor updates or changes. These terms, along with our privacy policy and disclaimer, constitute the entire agreement between you and us regarding your use of our services. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. We appreciate your understanding and cooperation in maintaining a safe and compliant platform for all users.