Disclaimer: using Thumbariqo responsibly
A word of caution
Financial choices have long-term impacts.
Seek expert input for decisions affecting your future.
Effective date: This disclaimer is effective as of July 1, 2026.
Last updated: Last reviewed on July 1, 2026.
Before adopting new financial routines, it’s essential to know the boundaries of the guidance we offer. This disclaimer explains how our information should be used and where your own judgment or further advice is required.
General notice
The resources and advice on this site are provided as a general guide. They are not a substitute for tailored, professional advice. Your financial situation is unique, and decisions should be made with care and consideration of personal and legal implications. Always seek guidance from a qualified expert for complex matters.
Limitations of liability
While we make every effort to provide reliable and helpful information, certain risks remain when using any online resource. Please use your judgment when applying ideas from this site.
- We are not liable for direct, indirect, or consequential losses arising from the use of information found on this site.
- No liability is accepted for any disruptions, inaccuracies, or delays in service or content updates.
- Decisions made based on site content are at your own risk and responsibility.
- We do not warrant uninterrupted, error-free, or secure operation of the website at all times.
Accuracy of information
All content on Thumbariqo is intended for general informational purposes and reflects our best understanding at the time of publication. We regularly review and update information to stay relevant, but certain details may become outdated as financial regulations and best practices evolve in Malaysia. Users are encouraged to verify facts and consult appropriate resources before making financial decisions. While we aim for accuracy, we cannot promise all information will remain current or fully applicable to your unique situation.
We strive for accuracy, but errors or omissions may occur. Please use the site at your discretion.
Professional advice recommended
None of the information provided here replaces professional guidance. For decisions involving legal, tax, or complex financial matters, consult a certified expert familiar with your individual situation.
External links
Our site may contain links to third-party websites or resources. We are not responsible for the content, accuracy, or privacy practices of external sites. Please review their terms and policies before engaging with third-party services.
Results may vary
Results and outcomes discussed are illustrative only. Individual circumstances, behaviors, and economic conditions all influence the effectiveness of any financial strategy.
Individual results may differ
Outcomes experienced by one user may not be typical for another. Your financial situation is unique, and results will depend on your own actions and changing circumstances.
Financial information disclaimer
Scenario: You’re considering a new approach to setting up your financial safety net after reading our advice. Here’s what you should know before making decisions based on our resources.
Content found here does not constitute financial, legal, or professional
advice specific to your circumstances.
Before acting on any suggestions, consult with a licensed advisor,
accountant, or legal expert familiar with Malaysian law.
We do not endorse or recommend any particular financial products, tools, or
services. All choices remain your responsibility.
Jurisdiction and governing law
All guidance is presented within the context of Malaysian financial and privacy laws. Users in other jurisdictions must consider local requirements.
Legal disputes or concerns arising from your use of this website will be subject to the exclusive jurisdiction of Malaysian courts. Please ensure your actions comply with local laws.
This website and its content are governed by the laws and regulations of Malaysia. Users are responsible for ensuring that their actions comply with local requirements when accessing or using this site.
Users outside Malaysia must review their local regulations before relying on site information, as rules and requirements may differ.
Indemnification
By using Thumbariqo, you agree to hold the site and its contributors harmless against any claims, damages, or losses resulting from actions taken based on information provided here.
Severability
If any part of this disclaimer is found to be invalid or unenforceable, the remaining sections will remain in effect to the fullest extent permitted by law.
Modifications
We reserve the right to update, modify, or revise this disclaimer at any time without prior notice. Users should revisit this page regularly to stay informed of any changes.
Contact us
If you have questions or concerns about this disclaimer or the way your data is handled, please reach out to our team using the contact form. We are committed to responding promptly and addressing your queries.
content@thumbariqo.sbs
+6013-000 3437
The Starling Mall, Lingkaran SV, Damansara Utama, Selangor 47400 Malaysia