ffective date: [DD Month 2026] \u00b7 Last updated: [DD Month 2026]<\/p>\n\n
These Terms & Conditions (\u201cTerms\u201d) govern your use of ringgitsihat.my (the \u201cSite\u201d). 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.<\/p>\n\n
The Site is operated by MALAYSIA HUB SIA<\/strong>, registered in the Republic of Latvia (registration number 40203615148), 4a Mednieku Street, Riga, LV-1010, Latvia (\u201cwe\u201d, \u201cus\u201d). 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.<\/p>\n\n 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.<\/p>\n\n 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.<\/p>\n\n 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 <\/span>.<\/p>\n\n You may read, share links to and print content for personal, non-commercial use. You agree not to:<\/p>\n\n The Site\u2019s 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.<\/p>\n\n 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.<\/p>\n\n 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.<\/p>\n\n The Site is provided \u201cas is\u201d and \u201cas available\u201d. 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.<\/p>\n\n 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.<\/p>\n\n 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.<\/p>\n\n 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.<\/p>\n\n MALAYSIA HUB SIA, 4a Mednieku Street, Riga, LV-1010, Latvia \u00b7<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" ffective date: [DD Month 2026] \u00b7 Last updated: [DD Month 2026] These Terms & Conditions (\u201cTerms\u201d) govern your use of ringgitsihat.my (the \u201cSite\u201d). 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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-261","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\n2. Educational content only<\/h2>\n\n
3. No financial services<\/h2>\n\n
4. Accuracy of information<\/h2>\n\n
5. Use of the Site<\/h2>\n\n
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6. Intellectual property<\/h2>\n\n
7. Messages and newsletter<\/h2>\n\n
8. Links to other websites<\/h2>\n\n
9. Disclaimer<\/h2>\n\n
10. Limitation of liability<\/h2>\n\n
11. Changes<\/h2>\n\n
12. Governing law<\/h2>\n\n
13. Contact<\/h2>\n\n