Disclaimer

General Disclaimer

This Disclaimer applies to the use of PolicyRate Malaysia and its content. We provide information for educational and informational purposes only. Our website contains content related to Bank Negara Malaysia’s monetary policy framework, including the Overnight Policy Rate (OPR) mechanism, monetary policy statements, inflation targeting methodology, and the central bank’s role in maintaining economic stability.

The information presented on our platform is compiled from publicly available sources and is intended to help users understand monetary policy concepts and their practical implications. However, we do not guarantee the accuracy, completeness, or timeliness of all information displayed. Market conditions, policy decisions, and economic data are subject to change, and we recommend consulting official Bank Negara Malaysia publications for authoritative guidance.

Our content should not be considered as a substitute for professional financial or economic analysis. Users are encouraged to conduct their own research and consult with qualified professionals before making any financial or investment decisions based on information found on our platform.

No Professional Advice

We explicitly state that nothing on our website constitutes financial, investment, legal, or economic advice. While we strive to explain monetary policy concepts, interest rate mechanisms, and economic principles in an accessible manner, these explanations are for educational purposes only.

Users should not rely solely on our content when making decisions about savings, investments, borrowing, or financial planning. The Overnight Policy Rate and other monetary policy tools have significant implications for financial markets and personal finances, and decisions in these areas should be made with guidance from qualified financial advisors, economists, or legal professionals.

We do not provide personalized recommendations, and our general information may not be suitable for your specific circumstances. Market conditions, inflation trends, and interest rate movements vary based on individual situations and economic contexts. Always seek independent professional advice tailored to your needs before taking any financial action.

Limitation of Liability

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or reliance on its content. This includes but is not limited to financial losses, missed opportunities, investment decisions, or economic misunderstandings resulting from information presented on our platform.

We do not warrant that our website will be error-free, uninterrupted, or free from harmful components. While we make reasonable efforts to maintain accurate and current information regarding Bank Negara Malaysia’s monetary policy framework and OPR mechanisms, we cannot guarantee absolute accuracy given the dynamic nature of monetary policy and economic conditions.

Users access our website at their own risk. We reserve the right to modify, suspend, or discontinue any portion of our services without notice. We will not be responsible for any unavailability of our website or loss of information. By using our platform, you acknowledge these limitations and agree that we are not responsible for any adverse consequences arising from your interaction with our content or services.

Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our practices, technology, or legal requirements. Any modifications will be effective immediately upon posting to our website. Your continued use of our platform following any changes constitutes your acceptance of the updated Disclaimer.

We encourage you to review this Disclaimer periodically to stay informed of how we protect your rights and limit our liability. If you do not agree with any portion of this Disclaimer or any updates made to it, you should discontinue your use of our website immediately.

Governing Law

This Disclaimer is governed by and construed in accordance with the laws of Malaysia. Any disputes, claims, or controversies arising from or relating to your use of our website or this Disclaimer shall be subject to the exclusive jurisdiction of the Malaysian courts.