本网站与社交媒体平台上的所有内容，仅供一般教育与参考之用，不构成任何证券、基金、保险或税务的个别化投资建议。基金/投资单位价格可能上涨或下跌，投资涉及风险，过往表现不代表未来结果。投资者在作出任何决定前，应仔细阅读相关基金招股说明书、产品披露文件（PHS）、以及其他官方文件，并根据自身财务状况向合格顾问寻求建议。
All content on this website and related social media platforms is for general educational and informational purposes only. It does not constitute individualized investment, insurance, unit trust, or tax advice. The value of units and investments may rise or fall, and past performance is not indicative of future results. Investors should read and understand the relevant prospectus, product highlight sheet (PHS), and other official documents before making any investment decisions, and seek advice from qualified professionals.
本人提供的课程、讲座、线上分享以及免费任何资讯仅用于一般性财务教育与初步分析，不能取代完整的财务规划。若需个别化建议，应透过正式财务顾问流程进行。
The courses, workshops, online sharing sessions, and any free consultations provided are intended solely for general education and preliminary analysis. They are not substitutes for a full financial plan. For individualized advice, a formal financial advisory engagement is required.
本网站或相关社交平台可能包含课程、工具、书籍、理财软件、网站资源或其他产品/服务的分享与推荐。这些均为本人个人经验或观点，并不保证适合所有人。若用户因使用相关产品或服务而遭受任何损失，本人概不负责。部分推荐可能包含推广连结（affiliate links），如用户通过连结购买，本人可能会获得佣金，但不会增加用户的额外费用。
This website or related social media may contain reviews, recommendations, or promotions of courses, tools, books, financial software, websites, or other products/services. These are personal opinions or experiences only and are not guaranteed to suit everyone. The author shall not be held liable for any loss or inconvenience resulting from the use of such products or services. Some recommendations may include affiliate links, through which the author may earn commissions, at no additional cost to the user.
本网站及相关平台所发布的文章、视频、音频或评论，可能包含对社会、家庭、教育、宗教或政治等议题的观点。这些内容仅为个人意见、娱乐或交流用途，不代表任何机构或组织立场。如有敏感之处，纯属个人观点分享，并无冒犯之意。
Articles, videos, audios, or comments published on this website and related platforms may include views on social, family, education, religion, or political topics. These are personal opinions, entertainment, or discussion only and do not represent the stance of any organization or institution. Any sensitive content is purely personal sharing and is not intended to offend.
本人承诺遵守《马来西亚个人资料保护法 (PDPA) 2010》。用户在本网站或表格中提供的个人资料，仅用于联系、理财咨询、课程通知或相关服务，不会出售或泄露给未授权的第三方。用户有权要求查阅、更正或删除其个人资料。
I comply with the Personal Data Protection Act (PDPA) 2010 of Malaysia. Any personal information provided through this website or forms will only be used for communication, financial consultation, course notifications, or related services. It will not be sold or disclosed to unauthorized third parties. Users have the right to request access, correction, or deletion of their personal data.
本网站内容力求准确，但不保证其完整性、时效性或适用性。使用本网站即表示您同意：本人不对任何因使用或依赖本网站内容而造成的损失负责。
While efforts are made to ensure the accuracy of information on this website, no guarantee is given as to its completeness, timeliness, or applicability. By using this website, you agree that the author shall not be held responsible for any losses incurred through reliance on the content.
