Terms of Use

1. Educational use only — not advice

Every calculator, guide, and data page on this Site is provided for general educational purposes only. Results are estimates produced from published formulas and publicly available rates. Nothing on the Site constitutes financial, tax, legal, medical, or religious advice, and nothing here creates an adviser–client relationship of any kind.

Interest rates, tax brackets, statutory contribution rates, subsidy rules, and thresholds change. Before making any decision — signing a loan, filing a return, settling a debt, planning a withdrawal — confirm the current figures with your bank, LHDN, EPF, PTPTN, the relevant agency, or a licensed professional.

2. Accuracy and availability

We work hard to keep our calculations correct — the underlying math is tested against published worked examples — but we provide the Site "as is" without warranty of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability. Sports data, squad lists, and historical statistics are compiled from public sources and may contain approximations; where we know a dataset is approximate we say so on the page.

3. Acceptable use

• You may use the calculators freely for personal, educational, or internal business purposes.
• You may not scrape, bulk-download, or republish substantial portions of the Site's content as your own, and you may not use the Site in any way that disrupts its operation.
• You may link to any page on the Site. Brief quotation with attribution and a link is welcome.

4. Intellectual property

The Site's original content — its text, guides, design, and code — belongs to us or our licensors. Government rate tables, statutory formulas, and public sports facts are not ours and are not claimed; our compilation and presentation of them is. Third-party trademarks (banks, card issuers, football associations) appear for identification only and remain the property of their owners; their appearance does not imply endorsement in either direction.

5. Advertising and third-party links

The Site displays advertising served by Google AdSense. Advertisers do not influence our calculations or editorial content. The Site also links to external websites (government agencies, banks, reference sources); we are not responsible for their content, accuracy, or privacy practices. See our Privacy Policy for how advertising cookies are handled.

6. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any loss or damage — direct, indirect, or consequential — arising from your use of, or reliance on, the Site or its results. Your sole remedy for dissatisfaction with the Site is to stop using it.

7. Changes to these terms

We may revise these terms from time to time. Changes take effect when posted on this page with an updated effective date. Continued use of the Site after a change constitutes acceptance.

8. Governing law and contact

These terms are governed by the laws of Malaysia. Questions about them? Email hello@icalculator.my or see the Contact page.