ffective date: [DD Month 2026] · Last updated: [DD Month 2026]
These Terms & Conditions (“Terms”) govern your use of ringgitsihat.my (the “Site”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site. The Terms are published in English and Bahasa Melayu; if the two versions differ, the English version prevails.
1. Who operates the Site
The Site is operated by MALAYSIA HUB SIA, registered in the Republic of Latvia (registration number 40203615148), 4a Mednieku Street, Riga, LV-1010, Latvia (“we”, “us”). Ringgit Sihat is a Nimbura publication; MALAYSIA HUB SIA is the parent company of Nimbura Sdn. Bhd. (202001030236 (1386556-P)), a KPKT-licensed moneylender, Licence No. WL7662/10/01-3/110127.
2. Educational content only
The Site provides general information about personal finance for educational purposes. It is not financial, legal, tax or investment advice and does not take your personal circumstances into account. Before making financial decisions, consider your own situation and, where appropriate, seek advice from a qualified professional or an official body such as AKPK.
3. No financial services
The Site does not offer, arrange or recommend loans or other financial products, and does not accept applications. Mentions of financial products, lenders or interest rates are for illustration only. Examples and figures in articles are simplified and may not reflect actual offers.
4. Accuracy of information
We check our content against official sources and review articles regularly, but laws, rates and rules change. We do not guarantee that all content is complete, accurate or up to date at the time you read it. Each article shows the date it was last reviewed. If you find an error, tell us at .
5. Use of the Site
You may read, share links to and print content for personal, non-commercial use. You agree not to:
- copy, republish or sell Site content without our written permission, except for short quotations with a link to the source;
- use the Site for unlawful purposes or to send spam;
- attempt to disrupt, overload or gain unauthorised access to the Site or its systems;
- use automated tools to collect content at scale without our permission.
6. Intellectual property
The Site’s content, design, name and logo belong to us or our licensors and are protected by intellectual property laws. Nothing in these Terms transfers any rights to you except the limited use described above.
7. Messages and newsletter
If you contact us or subscribe to the newsletter, you agree to provide accurate information. You can unsubscribe at any time using the link in each email. How we handle your data is described in our Privacy Policy.
8. Links to other websites
The Site links to third-party websites, including official sources and nimbura.my. We do not control those websites and are not responsible for their content, products or privacy practices. Their own terms apply.
9. Disclaimer
The Site is provided “as is” and “as available”. To the extent permitted by law, we make no warranties about the Site or its content, and we do not guarantee that the Site will be uninterrupted or error-free.
10. Limitation of liability
To the extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, the Site or its content, including financial decisions you make. Nothing in these Terms limits liability that cannot be limited by law, or your rights as a consumer under the mandatory laws of your country of residence.
11. Changes
We may update the Site and these Terms at any time. The updated Terms apply from the date shown above. Continued use of the Site after changes means you accept the updated Terms.
12. Governing law
These Terms are governed by the laws of the Republic of Latvia [to be confirmed by counsel]. If you are a consumer, you keep the protection of mandatory consumer laws of your country of residence and may bring claims in its courts.
13. Contact
MALAYSIA HUB SIA, 4a Mednieku Street, Riga, LV-1010, Latvia ·
