Terms of Service

Last updated: March 9, 2026

These Terms of Service govern your use of MortgagePro Malaysia and its services. By accessing our website and using our financial planning guides, mortgage calculators, and home ownership resources, you agree to be bound by these terms. We reserve the right to modify these terms at any time, and your continued use of our platform constitutes acceptance of any changes.

Acceptance of Terms

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide practical guides on home ownership planning, debt service ratio calculations, stamp duty estimation, and first-time buyer incentives in Malaysia. Your use of our platform is conditional upon your acceptance of these terms in their entirety. If you do not agree with any part of these terms, you must discontinue use of our website immediately. We reserve the right to refuse service to anyone who violates these terms or engages in unlawful conduct. Your access to our educational content and calculators constitutes a binding agreement between you and us.

User Obligations

Users agree to use our platform responsibly and in compliance with all applicable Malaysian laws and regulations. You must not use our website for any illegal purposes, including attempting to circumvent security measures or access unauthorized areas. When using our mortgage calculators and DSR estimation tools, you agree to provide accurate personal information. We require users to respect intellectual property rights and not reproduce, distribute, or modify our content without authorization. You are responsible for maintaining the confidentiality of any account credentials and for all activities conducted under your account. Misuse of our platform, including spamming, hacking, or spreading malicious content, is strictly prohibited. Users must comply with all applicable regulations regarding personal data protection in Malaysia.

Intellectual Property Rights

All content on our platform, including guides on home ownership planning, mortgage calculators, BNM overnight policy rate analysis, and stamp duty estimators, is protected by copyright and intellectual property laws. We retain all rights to our original content, designs, and educational materials. Users may view and download content for personal, non-commercial use only. Reproduction, distribution, or commercial use of our materials without explicit written permission is prohibited. Our guides on first-time buyer incentives, DSR calculations, and legal fee estimations are proprietary information. You may not modify, translate, adapt, or create derivative works based on our content. Any unauthorized use of our intellectual property may result in legal action. We respect third-party intellectual property rights and expect our users to do the same.

Limitation of Liability

We provide our mortgage planning guides and calculators for informational purposes only and do not constitute financial or legal advice. While we strive to ensure accuracy in our DSR calculations, stamp duty estimations, and home ownership information, we make no warranties regarding the accuracy, completeness, or timeliness of our content. You use our platform at your own risk. We shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our services. This includes losses resulting from reliance on our calculators or educational materials regarding mortgage rates, BNM policy impacts, or legal fees. We are not responsible for third-party content or external links. Users should consult with qualified financial advisors and legal professionals before making home ownership decisions based on information from our platform.

Termination of Access

We reserve the right to terminate or restrict your access to our platform at any time, with or without cause, and without prior notice. Violations of these Terms of Service, including misuse of our mortgage calculators or unauthorized access attempts, may result in immediate termination. Termination may also occur if we determine that your use of our platform poses a security risk or violates applicable laws. Upon termination, your right to use our home ownership planning guides and educational resources ceases immediately. We may retain archived copies of your data in compliance with legal requirements. Any obligations you incurred prior to termination remain binding. We are not liable for any loss of access to our content or services resulting from termination. Your use of alternative financial planning resources following termination is your sole responsibility.