Legal · Terms

Terms of service.

The agreement that governs your use of the Celik Finance calculator hub.

Last updated 30 September 2026

1. Acceptance of Terms

By accessing and using the Malaysian Finance Calculator Hub ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily use the Service for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • modify or copy the materials
  • use the materials for any commercial purpose or for any public display
  • attempt to decompile or reverse engineer any software contained on the Service
  • remove any copyright or other proprietary notations from the materials

3. Disclaimer

Important notice

The calculators provided are for educational and informational purposes only. They are not intended to provide financial, investment, tax, or legal advice.

The materials on the Service are provided on an 'as is' basis. The Service makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations

In no event shall the Service or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the Service, even if the Service or its authorized representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on the Service could include technical, typographical, or photographic errors. The Service does not warrant that any of the materials on its website are accurate, complete, or current. The Service may make changes to the materials contained on its website at any time without notice.

6. Links

The Service has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by the Service of the site. Use of any such linked website is at the user's own risk.

7. Modifications

The Service may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Malaysia and you irrevocably submit to the exclusive jurisdiction of the courts in that state or location.

9. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

10. Contact Information

If you have any questions about these Terms of Service, please contact us through our feedback page.