Introduction
MWMC Wealth Planners, inclusive of Mutual Wealth Management Consultant, MWMC Advisory, and any affiliated brands or legal entities under the MWMC Group (collectively referred to as "MWMC Wealth Planners", "the Company", "we", "us", or "our"), provides this website for informational purposes only.
By accessing and using this site, you accept and agree to the terms set out in this Disclaimer. If you do not agree, please discontinue use of this website.
1. General Information Only – Not Professional Advice
All content on this website, including but not limited to articles, tools, charts, financial calculators, service descriptions, blog posts, case studies, and any downloadable resources, are provided for general informational and educational purposes only.
Nothing on this site constitutes, or is intended to constitute:
- Financial advice
- Investment advice
- Legal advice
- Tax advice
- Estate planning or will-writing advice
- Insurance advice (including product recommendations)
No part of this website should be construed as a personal recommendation or a substitute for professional consultation. You are strongly encouraged to seek advice from a licensed and qualified financial advisor, insurance advisor, unit trust consultant, tax agent, legal counsel, or estate planner before making any decision.
Testimonials and Case Studies
Any testimonials, client stories, or case studies featured on this website reflect the individual experiences of specific clients and are not necessarily representative of typical results. Individual outcomes will vary depending on personal financial circumstances, product selection, market conditions, and other factors. These are provided for illustrative purposes only and should not be construed as a guarantee of future results or as financial advice.
2. No Advisor-Client Relationship Established
The use of this website and/or the submission of any form, contact inquiry, or message — including via WhatsApp, Telegram, email, or social media — does not create a client-advisor relationship between you and MWMC Wealth Planners. Any information shared through these channels prior to the establishment of a formal engagement is for general enquiry purposes only and does not constitute professional advice.
A formal client relationship is only established upon the signing of a written service agreement or appointment letter.
3. Regulatory Status
MWMC Wealth Planners operates under applicable licences and authorisations in Malaysia. Our consultants who provide financial advisory and insurance services are registered with the relevant regulatory authorities, which include:
- Bank Negara Malaysia (BNM) — for insurance-related products regulated under the Financial Services Act 2013 and the Islamic Financial Services Act 2013
- Securities Commission Malaysia (SC) — for capital market products including unit trusts regulated under the Capital Markets and Services Act 2007
The scope of our services and products we are authorised to distribute are governed by these licences. Not all products or services described on this website may be available to all individuals or in all states.
You may verify our regulatory status directly with BNM at www.bnm.gov.my or the SC at www.sc.com.my.
4. Investment Risk Disclosure
Any reference to financial products, investment strategies, market performance, or insurance benefits made on this website are general in nature, do not represent actual or implied performance, and may not be suitable for your personal financial situation.
Past performance is not indicative of future results. Investment and insurance products carry inherent risks, including the possible loss of capital. Different products carry different levels of risk:
- Unit trust / mutual funds — market risk, liquidity risk, currency risk (for foreign-denominated funds)
- Life insurance with investment-linked components — investment returns are not guaranteed; premiums may increase
- Trust funds and estate instruments — subject to legal, regulatory, and taxation changes
MWMC Wealth Planners does not guarantee any specific return, benefit, or outcome. You should carefully read all product disclosure sheets (PDS), fund fact sheets, and policy documents before committing to any financial product.
5. Product and Service Disclaimer
Any descriptions of insurance products, financial planning services, unit trust investments, legacy tools (e.g. wills, trusts), or tax-related content on this website are intended for informational purposes only, are subject to changes by the respective providers, may vary by jurisdiction and individual eligibility, and are not comprehensive and should not be relied upon in isolation.
Full and accurate information can only be provided via personalised consultation and official product documentation issued by licensed financial institutions, insurance companies, or legal entities.
Financial Calculators and Illustrative Tools
Any financial calculators, projection tools, or illustrative figures provided on this website are for general estimation purposes only. Results are based on the assumptions and inputs provided and do not account for your full financial situation, tax position, inflation, or changes in applicable law or product terms. Calculator outputs do not constitute financial advice and should not be relied upon as the basis for any financial decision. Please consult a licensed financial advisor for a personalised analysis.
6. Third-Party Links, Tools, and References
This website may include links or references to external websites, calculators, articles, or service providers that are not maintained or controlled by us. MWMC Wealth Planners does not endorse the content or services of these third parties, makes no warranties or representations regarding their accuracy, safety, or reliability, and is not responsible for any damage or loss caused by the use of third-party services or reliance on external information.
It is your responsibility to verify the accuracy and appropriateness of any third-party resource.
7. Accuracy and Currency of Information
While we strive to ensure that the content on our website is accurate and up to date, we do not guarantee the accuracy, completeness, or timeliness of any information, that the website will remain available or free of errors, or that content will be continuously updated to reflect regulatory or market changes.
Projections, forecasts, and illustrations shown on this website are based on assumptions that may not materialise. Actual outcomes may differ materially from those projected. All content is subject to change without notice.
8. Limitation of Liability
To the fullest extent permitted by law, MWMC Wealth Planners and its directors, agents, representatives, or employees shall not be liable for any loss or damage (including without limitation direct, indirect, incidental, consequential, or punitive damages) arising from your access to, use of, or inability to use this website or any information contained herein — including but not limited to financial loss, loss of data, opportunity loss, legal actions, or reputational harm.
Your use of this website and reliance on its content is at your own risk.
This disclaimer does not exclude or limit liability for fraud, death, or personal injury caused by our negligence, or any other liability that cannot be lawfully excluded under Malaysian law.
9. Intellectual Property Rights
All intellectual property on this website (unless otherwise stated) including text, layout, graphics, logos, videos, and downloadable materials are the exclusive property of MWMC Wealth Planners.
You may not reproduce, republish, modify, copy, or distribute any content from this website without obtaining prior written consent.
10. Personal Data Protection
Your use of this website is also subject to our Privacy Policy, which governs how we collect, use, store, and protect your personal data in compliance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.
11. Governing Law and Jurisdiction
This Disclaimer shall be governed by, and construed in accordance with, the laws of Malaysia. Any disputes or claims arising in connection with this Disclaimer or the use of this website shall be subject to the exclusive jurisdiction of the courts of Malaysia.
12. Severability and Waiver
If any provision of this Disclaimer is found by a competent court or authority to be invalid, unlawful, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. All other provisions shall remain in full force and effect.
No failure or delay by MWMC Wealth Planners in exercising any right or enforcing any provision of this Disclaimer shall constitute a waiver of that right or provision. A waiver shall only be effective if made in writing and shall not be deemed a continuing waiver in respect of any subsequent breach or default.
13. Changes to This Disclaimer
We reserve the right to amend or update this Disclaimer at any time without prior notice. Continued use of the website after such changes constitutes your acknowledgment and agreement to the updated terms.
Contact Us
If you have any questions regarding this Disclaimer or the use of our website, please contact us:
- Company: MWMC Wealth Planners
- Address: 02-08, Jalan Austin Perdana 2/23, Taman Austin Perdana, 81100 Johor Bahru, Johor
- Phone: +6011-5787 3322
- Email: admin03@mwmc.com.my