MWMC Wealth Planners, inclusive of Mutual Wealth Management Consultant, MWMC Advisory, and any affiliated brands or legal entities under the MWMC Group (collectively referred to as “MWMC Wealth Planners”, “the Company”, “we”, “us”, or “our”), provides this website for informational purposes only. By accessing and using this site, you accept and agree to the terms set out in this Disclaimer.

1. General Information Only – Not Professional Advice

All content on this website, including but not limited to articles, tools, charts, financial calculators, service descriptions, blog posts, case studies, and any downloadable resources, are provided for general informational and educational purposes only.

Nothing on this site constitutes, or is intended to constitute:

• Financial advice
• Investment advice
• Legal advice
• Tax advice
• Estate planning or will-writing advice
• Insurance advice (including product recommendations)

No part of this website should be construed as a personal recommendation or a substitute for professional consultation. You are strongly encouraged to seek advice from a licensed and qualified financial advisor, insurance advisor, unit trust consultant, tax agent, legal counsel, or estate planner before making any decision.

2. No Advisor-Client Relationship Established

The use of this website and/or the submission of any form, contact inquiry, or message does not create a client-advisor relationship between you and MWMC Wealth Planners.

A formal client relationship is only established upon the signing of a written service agreement or appointment letter.

3. Investment Risk Disclosure

Any reference to financial products, investment strategies, market performance, or insurance benefits made on this website:

• Are general in nature
• Do not represent actual or implied performance
• May not be suitable for your personal financial situation

Past performance is not indicative of future results. Investment and insurance products carry inherent risks, including the possible loss of capital. MWMC Wealth Planners does not guarantee any specific return, benefit, or outcome.

4. Product and Service Disclaimer

Any descriptions of insurance products, financial planning services, unit trust investments, legacy tools (e.g. wills, trusts), or tax-related content on this website:

• Are intended for informational purposes only
• Are subject to changes by the respective providers
• May vary by jurisdiction and individual eligibility
• Are not comprehensive and should not be relied upon in isolation

Full and accurate information can only be provided via personalized consultation and official product documentation issued by licensed financial institutions, insurance companies, or legal entities.

5. Third-Party Links, Tools, and References

This website may include links or references to external websites, calculators, articles, or service providers that are not maintained or controlled by us.

MWMC Wealth Planners:

• Does not endorse the content or services of these third parties
• Makes no warranties or representations regarding their accuracy, safety, or reliability
• Is not responsible for any damage or loss caused by the use of third-party services or reliance on external information

It is your responsibility to verify the accuracy and appropriateness of any third-party resource.

6. Accuracy and Currency of Information

While we strive to ensure that the content on our website is accurate and up to date, we do not guarantee:

• The accuracy, completeness, or timeliness of any information
• That the website will remain available or free of errors
• That content will be continuously updated to reflect regulatory or market changes

All content is subject to change without notice.

7. Limitation of Liability

To the fullest extent permitted by law, MWMC Wealth Planners and its directors, agents, representatives, or employees shall not be liable for:

• Any loss or damage (including without limitation direct, indirect, incidental, consequential, or punitive damages)
• Arising from your access to, use of, or inability to use this website or any information contained herein
• Including but not limited to financial loss, loss of data, opportunity loss, legal actions, or reputational harm

Your use of this website and reliance on its content is at your own risk.

8. Intellectual Property Rights

All intellectual property on this website (unless otherwise stated) including text, layout, graphics, logos, videos, and downloadable materials are the exclusive property of MWMC Wealth Planners.

You may not reproduce, republish, modify, copy, or distribute any content from this website without obtaining prior written consent.

9. Personal Data Protection

Your use of this website is also subject to our Privacy Policy, which governs how we collect, use, store, and protect your personal data in compliance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.

10. Governing Law and Jurisdiction

This Disclaimer shall be governed by, and construed in accordance with, the laws of Malaysia.

Any disputes or claims arising in connection with this Disclaimer or the use of this website shall be subject to the exclusive jurisdiction of the courts of Malaysia.

11. Changes to This Disclaimer

We reserve the right to amend or update this Disclaimer at any time without prior notice. Continued use of the website after such changes constitutes your acknowledgment and agreement to the updated terms.

Contact Information

If you have any questions regarding this Disclaimer or the use of our website, please contact us at:

MWMC Wealth Planners

02-08, Jalan Austin Perdana 2/23, Taman Austin Perdana, 81100 JB.

Phone:+6011-57873322

Email: admin03@mwmc.com.my