Terms of Service

Acceptance of Terms

These Terms of Service govern your use of RealValue Wealth and its services. By accessing, browsing, or using our website and educational resources, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes. These terms apply to all users, including but not limited to browsers, vendors, customers, merchants, and content contributors.

Our website provides educational information regarding inflation, real versus nominal returns, savings erosion, and inflation-adjusted calculations for individuals in Malaysia. We encourage you to review these terms periodically to stay informed of any updates that may affect your use of our services.

User Obligations

You agree to use our website solely for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of our website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, disrupting the normal flow of dialogue within our website, and attempting to gain unauthorized access to our systems.

You are responsible for maintaining the confidentiality of any account information and password if you create an account on our platform. You agree to accept responsibility for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account. We will not be liable for any loss or damage arising from your failure to comply with these security obligations. Users must ensure they provide accurate information when interacting with our educational resources.

• Use our services for legitimate educational purposes only
• Not engage in any form of harassment or abusive behavior
• Not attempt to circumvent security measures or gain unauthorized access
• Respect intellectual property rights and content ownership
• Comply with all applicable laws and regulations in Malaysia

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, audio clips, and software, is the property of RealValue Wealth or its content suppliers and is protected by international copyright laws. The compilation of all content on this website is the exclusive property of us and is protected by international copyright laws. All software used on this website is our property or the property of our software suppliers and is protected by international copyright laws.

You are granted a limited license to access and use our educational materials for personal, non-commercial purposes only. You may not reproduce, distribute, transmit, display, or sell any content without our prior written permission. Any unauthorized use of our content may violate copyright, trademark, and other laws. We reserve all rights not expressly granted herein. Your use of our website does not grant you ownership rights to any intellectual property displayed on or accessible through our platform.

Limitation of Liability

Our website and educational resources are provided on an “as is” and “as available” basis without any representations or warranties, express or implied. We make no representations or warranties in relation to our website or the information and materials provided. We do not warrant that our website will always be available, uninterrupted, or free from errors or viruses. To the fullest extent permissible by law, we exclude all representations and warranties relating to our website and its content.

We shall not be liable to you in relation to the contents of or use of, or otherwise in connection with, our website for any indirect, special, or consequential loss, or for any business losses, loss of revenue, income, profits, or anticipated savings. The information provided is for educational purposes only and should not be construed as financial or investment advice. Always consult with qualified professionals before making financial decisions based on inflation impact calculations or real versus nominal return analyses.

Termination

We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason whatsoever, including if you breach any of the terms or conditions of these Terms of Service. Upon termination, your right to use our website will cease immediately. All provisions of these Terms of Service which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

You may terminate your account and cease using our services at any time by simply discontinuing your use of our website. Upon termination, we may delete your account information unless we are required by law to retain it. Termination will not affect any rights or obligations that accrued prior to termination. We reserve the right to update these Terms of Service from time to time, and we recommend checking back regularly for changes to ensure you remain compliant with our current policies.