Disclaimer
Penafian RateX.my
Last Updated: February 7, 2026 | Dikemaskini: 7 Februari 2026
IMPORTANT DISCLAIMER
PENAFIAN PENTING
PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING THIS WEBSITE
SILA BACA PENAFIAN INI DENGAN TELITI SEBELUM MENGGUNAKAN LAMAN WEB INI
1 General Disclaimer | Penafian Am
The information provided on RateX.my ("Website") is for GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.
Maklumat yang disediakan di RateX.my adalah untuk TUJUAN MAKLUMAT AM DAN PENDIDIKAN SAHAJA.
Nothing on this Website should be construed as professional financial, investment, legal, tax, or any other form of advice. Always consult with qualified professionals before making any financial decisions.
2 No Warranties | Tiada Jaminan
THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
We make NO WARRANTY that:
- ✗The information is accurate, complete, or current
- ✗The Website will be uninterrupted or error-free
- ✗Any errors or defects will be corrected
- ✗The Website is free from viruses or harmful components
- ✗The results of using this Website will meet your requirements
3 Financial Information | Maklumat Kewangan
3.1 Gold & Precious Metals Prices
Gold prices displayed are indicative only and may differ from actual dealer prices. Prices are sourced from FGJAM and other public sources but may be delayed, estimated, or vary by dealer. Always confirm prices with authorized gold dealers before any transaction.
3.2 Currency Exchange Rates
Currency exchange rates shown are indicative mid-market rates. Actual rates offered by banks and money changers will differ and include spreads, fees, and commissions. Always check with licensed money changers or banks for actual rates.
3.3 Cryptocurrency Prices
Cryptocurrency prices are highly volatile and can change dramatically within seconds. Prices shown are indicative only and sourced from third-party exchanges. We are not responsible for any losses from cryptocurrency trading.
3.4 EPF/KWSP & Tax Calculators
EPF contributions, tax calculations, and retirement projections are ESTIMATES ONLY. Actual amounts may differ based on individual circumstances, policy changes, and KWSP/LHDN regulations. Always verify with official sources.
3.5 Zakat Calculations
Zakat calculations are provided for educational reference only. For accurate zakat obligations, please consult with your state Islamic religious department (MAIN), licensed amil, or qualified religious scholars.
3.6 Insurance Information
Insurance premium estimates and coverage information are general guides only. Actual premiums depend on individual risk assessment, health conditions, and insurer policies. Always consult licensed insurance agents for accurate quotes.
4 Limitation of Liability | Had Liabiliti
WE EXPRESSLY DISCLAIM ALL LIABILITY FOR:
- ✗ Financial Losses: Any financial losses, damages, or expenses arising from your use of or reliance on information from this Website
- ✗ Investment Decisions: Any investment or financial decisions you make based on information from this Website
- ✗ Inaccurate Data: Any errors, inaccuracies, or omissions in the data, rates, or calculations provided
- ✗ Third-Party Actions: Actions taken by third parties, including banks, dealers, or other service providers
- ✗ Technical Issues: Website downtime, data loss, or technical malfunctions
IN NO EVENT SHALL RATEX.MY BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
5 Use at Your Own Risk | Guna Atas Risiko Sendiri
YOUR USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK
PENGGUNAAN LAMAN WEB INI ADALAH ATAS RISIKO ANDA SENDIRI
You are solely responsible for evaluating the accuracy, completeness, and usefulness of any information provided. You should not rely solely on this Website for any financial, investment, or personal decisions.
6 Third-Party Content | Kandungan Pihak Ketiga
This Website may contain information from or links to third-party sources including:
We do not control, endorse, or guarantee the accuracy of third-party content. All trademarks and logos belong to their respective owners.
7 Not Professional Advice | Bukan Nasihat Profesional
RateX.my is NOT:
- ✗A licensed financial advisor
- ✗A registered investment advisor
- ✗A licensed insurance agent
- ✗A tax consultant or accountant
- ✗A legal firm or lawyer
- ✗An authorized gold dealer
- ✗A licensed money changer
- ✗A religious authority for zakat matters
Always seek advice from qualified professionals before making important financial decisions.
8 Governing Law | Undang-undang Terpakai
This Disclaimer is governed by the laws of Malaysia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia.
Acceptance of Disclaimer | Penerimaan Penafian
By using this Website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.
Dengan menggunakan Laman Web ini, anda mengakui bahawa anda telah membaca, memahami, dan bersetuju untuk terikat dengan Penafian ini.
9 Contact Us | Hubungi Kami
If you have any questions about this Disclaimer, please contact us:
RateX.my
📧 Email: feedra@gmail.com
🌐 Website: https://ratex.my