1. Informational scope
Website guides and calculators provide general information and illustrations. They do not by themselves constitute financial, legal, tax, credit or investment advice, and they do not create a client relationship.
2. Calculator limitations
Results depend on the inputs and stated assumptions. Bank policies, rates, income recognition, fees, tax rules, underwriting, product terms and market conditions can change. A result is not an approval, quotation, guarantee or recommendation.
3. Review requests
Submitting the private review form is an enquiry only. Any formal application, advice engagement, product recommendation or professional referral requires a separate discussion, appropriate fact-finding and the relevant provider documents.
4. Provider decisions and product documents
Banks, insurers, fund managers, trustees, legal providers and other institutions make their own decisions and remain responsible for their products, services and documents. Their current official terms prevail over any website summary.
5. Costs and compensation
Before you proceed with a recommended service or product, Finance Lim will explain any fee payable by you, any provider-paid compensation relevant to the recommendation, and material product charges known at that stage. The exact arrangement depends on the service and provider.
6. Investment and insurance risk
Investment values and income can fall as well as rise, and past performance does not guarantee future results. Insurance availability, premiums, benefits, exclusions and claims remain subject to underwriting, disclosure, the policy contract and the insurer's assessment.
7. External links and availability
Links to external sources are provided for context. Finance Lim does not control their availability or content. The site may be changed, suspended or corrected without notice when errors, outdated information or technical issues are identified.
8. Responsible use
Do not misuse the site, attempt unauthorised access, submit unlawful content or rely on automated results as a substitute for checking source documents and professional advice appropriate to the decision.
9. Governing context
These site terms are intended for a Malaysia-focused service and are interpreted in that context. They do not limit rights or obligations that cannot lawfully be excluded.