Disclaimer

General Disclaimer

This Disclaimer applies to the use of Credit Wise and its content. We provide information for general educational and informational purposes only. The content on our website, including guides on credit scores, CTOS score interpretation, CCRIS report reading, credit utilization ratios, and responsible borrowing practices, is intended to help you understand Malaysian credit concepts and build financial literacy.

We make no warranty or representation regarding the accuracy, completeness, timeliness, or reliability of any information presented. While we strive to ensure our guides reflect current Malaysian credit practices and regulations as of 2026, credit systems, policies, and lending standards may change. We recommend verifying any critical information with official sources or relevant Malaysian financial institutions before making financial decisions.

Your use of our website and reliance on any information provided is entirely at your own risk. We are not responsible for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our content or inability to access our website.

No Professional Advice

The information provided on our website does not constitute professional financial, legal, investment, or credit advice. Our guides on CTOS scores, CCRIS reports, credit utilization awareness, and responsible borrowing are educational resources designed to increase your understanding of the Malaysian credit system, not personalized financial recommendations tailored to your specific circumstances.

We strongly encourage you to consult with qualified financial advisors, credit counselors, or legal professionals before making significant financial decisions, applying for credit, or taking actions based on information found on our site. Every individual’s financial situation is unique, and what works for one person may not be appropriate for another. Professional advisors can provide guidance specific to your needs and goals.

We do not assess your creditworthiness, provide credit scores, or determine your eligibility for borrowing. Only authorized Malaysian credit agencies and lenders can provide official CTOS scores, CCRIS reports, and credit decisions. Our role is educational only, helping you understand how these systems work and how to manage credit responsibly.

Liability Limits

To the fullest extent permitted by Malaysian law, we disclaim all liability for any damages, losses, or expenses arising from or related to your use of our website, including but not limited to errors in content, service interruptions, or third-party interference. This includes liability for lost profits, data loss, business interruption, or any indirect or consequential damages.

We are not responsible for the content of external websites, resources, or third-party services that may be referenced or linked from our guides. Any links to official Malaysian credit agencies, financial institutions, or regulatory bodies are provided for convenience only. We do not endorse or guarantee the accuracy of external content and recommend visiting official sources directly for verification.

We reserve the right to modify, suspend, or discontinue any part of our website without notice. We also reserve the right to update this Disclaimer at any time. Your continued use of our website following any changes constitutes your acceptance of the updated terms. We encourage you to review this Disclaimer periodically to stay informed of any modifications.

Changes to This Disclaimer

We may update this Disclaimer periodically to reflect changes in our practices, legal requirements, or other operational reasons. The date at the top of this page indicates when it was last updated. We recommend checking back regularly to ensure you are aware of any changes. Your continued use of our website after any updates indicates your acceptance of the revised terms.