Halivento - Malaysia’s financial skills blog

Important Notice

No results or outcomes are guaranteed here.

Always base financial decisions on your own judgment. Results may vary for each person.

This finance blog by Halivento is designed to share general knowledge and personal experiences of our expert contributors in Malaysia. It does not serve as professional advice or individualized consultation.

General Information Only

Content is intended for general reading. It is not a substitute for personal or professional advice—please speak to a qualified financial or legal advisor for specific concerns.

Limits of Liability

This site offers suggestions, not guarantees. Use information at your own discretion.

We do not accept responsibility for any loss or action based on our articles or advice.

We do not promise any particular financial outcome. Results differ by user.

References to rates or fees are for illustration, not recommendation.

We are not liable for actions taken based on blog content, including misunderstandings or technical errors.

Accuracy and Timeliness

Every effort is made to keep information accurate and timely, especially regarding APR rates, fees, and regulatory context in Malaysia. Content is updated regularly, but may change as laws or financial products evolve.

Always double-check critical information with a trusted separate source.

Not Professional Consulting

No blog post or response here is formal advice or a substitute for an individualized review with a professional.

External Sites and Resources

Links to external sites are provided for convenience. We do not control or endorse their content or policies.

On Results and Outcomes

Financial results are influenced by many factors. No guarantee of success or specific results is offered.

Individual Variation in Outcomes

Your circumstances, goals, and effort all impact outcomes. Results may vary from person to person.

Financial and Regulatory Disclaimers

All financial representations relate to current laws and rates in Malaysia.

APR rates and fees mentioned serve as examples, not offers.

Repayment terms are subject to change by providers or legal authorities.

Financial decisions carry risks. Consult a licensed advisor as needed.

Legal and Regulatory

Halivento is based in Malaysia and abides by PDPA and local finance laws.

If your issue involves a legal or regulatory dispute, it is governed under Malaysian law. Seek formal advice for specific legal questions.

Malaysian law applies to all blog use, regardless of user location.

Follow your country’s laws; this blog may not comply with non-Malaysian rules.

Indemnification

Users agree to indemnify Halivento for any claims from the use or misuse of information found here.

Severability

If any part of this disclaimer is deemed invalid, the rest remains effective.

Policy Updates

Our disclaimer may be updated without prior notice. Review it regularly for new updates.

Contact Us

For disclaimer or liability questions, contact Halivento as listed below.

Contact Email: content@halivento.pro

Phone Number: +60 6-415 1403

Postal Address: Level 16, Menara UMCity, Iskandar Puteri, Johor 79250 Malaysia

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