Terms of Use

1. Acceptance of Terms

By accessing or using tehSmartInvestor (tehsmartinvestor.com), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this website.

These terms apply to all visitors, readers, tool users, and anyone else who interacts with this website.

2. Use of This Site

This website is provided for informational and educational purposes. You may use this site to:

• Read articles and guides for personal, non-commercial use
• Use the financial calculators for personal financial planning
• Share links to content on this site
• Quote brief excerpts with attribution and a link to the source

3. No Financial Advice

Nothing on this website constitutes financial advice, investment advice, tax advice, or any other professional advisory service. See the full Disclaimer for complete detail.

By using the calculators or reading articles on this site, you acknowledge that you are using them for informational purposes only and will not hold tehSmartInvestor liable for any financial decisions made based on content found here.

4. Accuracy of Content

We make reasonable efforts to ensure information on this site is accurate and up to date. However, financial rules, tax rates, and regulations change. We cannot guarantee that all information is current at the time you read it.

Calculator results are estimates based on the inputs provided and the assumptions built into the model. They may not reflect your actual tax liability, EPF balance, or any other financial figure. Always verify with official sources: kwsp.gov.my for EPF and iras.gov.sg for Singapore tax.

5. Intellectual Property

All original content on this website — including articles, code, design, tools, and graphics — is the intellectual property of tehSmartInvestor and is protected by copyright law.

You may not reproduce, republish, sell, or distribute substantial portions of this content without prior written permission. Brief quotations with clear attribution and a link are permitted. If you'd like to republish an article or use content commercially, please contact us.

6. Acceptable Use

You agree not to:

• Scrape or systematically extract content from this site for commercial purposes
• Use this site to distribute spam, malware, or fraudulent content
• Attempt to gain unauthorised access to any part of this website or its infrastructure
• Use this site in any way that violates applicable laws or regulations
• Misrepresent tehSmartInvestor content as your own or as professional financial advice

7. Limitation of Liability

To the fullest extent permitted by applicable law, tehSmartInvestor shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or any content, tools, or information provided herein — including but not limited to financial losses resulting from decisions made in reliance on content from this site.

8. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Singapore. Any disputes arising from these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of Singapore.

9. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be reflected in the "Last updated" date at the top of this page. Continued use of the site after changes constitutes acceptance of the revised terms.

10. Contact

For questions about these terms, please reach out via the About page or our GitHub repository.