Disclaimer

Last updated: March 20, 2026

This Disclaimer applies to the use of Proteksi Wise and its content. We provide information for general purposes only and do not guarantee the accuracy, completeness, or timeliness of all materials presented on our platform. Our website serves as an educational resource for insurance planning and takaful awareness in Malaysia, covering life insurance, family takaful comparison, medical card selection, critical illness coverage, and personal accident protection. Users should verify all information independently before making any financial or insurance decisions.

General Disclaimer

We make no representations or warranties regarding the content displayed on our platform. All information, including comparisons between life insurance and family takaful products, medical card selection guidance, and critical illness coverage education, is provided on an “as is” basis. We do not warrant that the content is error-free, secure, or uninterrupted. Your use of our website indicates your acceptance of these terms and conditions.

We are not responsible for any indirect, incidental, or consequential damages arising from your use of our services. This includes losses related to decisions made based on our educational materials. Insurance products and takaful schemes are subject to change without notice. We recommend consulting with qualified insurance professionals before purchasing any coverage.

No Professional Advice

The content on our platform is intended for informational and educational purposes only. We do not provide personalized financial, insurance, or investment advice. Nothing on our website should be construed as a recommendation to purchase specific life insurance policies, takaful plans, medical cards, or critical illness coverage products. We are not licensed financial advisors, and our content does not constitute professional counsel.

Every individual’s insurance needs are unique based on personal circumstances, health status, financial situation, and family requirements. We strongly encourage you to seek guidance from licensed insurance agents, financial planners, or medical professionals before making any decisions regarding insurance planning. Your reliance on any content from our platform is at your own risk, and we assume no responsibility for outcomes resulting from such reliance.

Liability Limits

To the fullest extent permitted by law, we disclaim all liability for any losses, damages, or expenses arising from your access to or use of our platform, including but not limited to direct, indirect, incidental, punitive, and consequential damages. This applies regardless of whether such damages are based on warranty, contract, tort, or any other legal theory.

We do not guarantee that our website will meet your expectations, be uninterrupted, secure, or error-free. We are not liable for any technical failures, interruptions, or delays in service. Any reliance on third-party information or links displayed on our platform is at your sole discretion. We reserve the right to modify, update, or remove content without prior notice. By using our services, you acknowledge these limitations and agree to use our platform entirely at your own risk.