Terms of Service
Last updated: March 9, 2026
Acceptance of Terms
These Terms of Service govern your use of PolicyRate Malaysia and its services. By accessing and using our website, 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 are prohibited from using or accessing our site. We reserve the right to modify these terms at any time, and your continued use of the platform following any changes constitutes your acceptance of the new terms. We recommend reviewing this page periodically to stay informed of any updates. Your use of our services indicates your complete understanding and acceptance of the monetary policy information and educational content we provide.
User Obligations
As a user of our platform, you agree to comply with all applicable laws and regulations governing the use of financial information and monetary policy resources. You are responsible for maintaining the confidentiality of any account information you may create and for all activities that occur under your account. You agree not to use our services for any unlawful purposes or in any way that could damage, disable, or impair our platform. You commit to providing accurate and truthful information when interacting with us and acknowledge that you will not engage in harassment, abuse, or threatening behavior toward other users or our team. We require that you respect intellectual property rights and do not attempt to circumvent any security measures or gain unauthorized access to restricted areas of our site.
Intellectual Property Rights
All content available on our platform, including but not limited to text, graphics, logos, images, audio clips, and video content related to Bank Negara Malaysia monetary policy, interest rates, and the Overnight Policy Rate mechanism, is the property of PolicyRate Malaysia or our content providers and is protected by international copyright laws. You are granted a limited, non-exclusive license to access and view this content for personal, educational purposes only. You may not reproduce, distribute, transmit, display, perform, or publish any content without our prior written consent. We reserve all rights not explicitly granted to you. Any unauthorized use of our intellectual property is prohibited and may result in legal action. Your use of our materials constitutes acceptance of these intellectual property restrictions and your commitment to respecting our proprietary information.
Limitation of Liability
Our services are provided on an “as is” basis without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or timeliness of the monetary policy information, inflation targeting data, or economic stability guidance provided on our platform. To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services. We will not be held responsible for financial decisions made based on information accessed through our website. You acknowledge that you use our educational resources at your own risk and that you should consult with qualified financial advisors before making any investment or monetary policy-related decisions. We strongly encourage you to verify all information independently.
Termination of Access
We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Termination may occur if we determine that you have violated these Terms of Service, engaged in unlawful activity, or posed a threat to our platform or other users. Upon termination, your right to access our services ceases immediately. We may also discontinue or modify our services or any portion thereof at any time without notice or liability. If you wish to cease using our services, you may do so by simply discontinuing your access to the platform. Upon termination, whether voluntary or involuntary, all provisions of these terms that by their nature should survive termination will continue in effect, including intellectual property rights, limitations of liability, and dispute resolution clauses.