Terms of Service

Last updated: March 20, 2026

These Terms of Service govern your use of Fiscal Analytics Malaysia and its services. By accessing and using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please discontinue your use of our services immediately. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Acceptance of Terms

By accessing our website and using our services related to Malaysian public debt management, sovereign credit ratings, and fiscal sustainability analysis, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide information and analytical content regarding government debt-to-GDP ratios, Malaysian Government Securities market data, and credit rating assessments. Your acceptance of these terms is a prerequisite for accessing our platform. We may update these terms periodically, and we encourage you to review them regularly to stay informed of any changes that may affect your use of our services.

User Obligations

Users agree to use our platform responsibly and in compliance with all applicable laws and regulations. You must not engage in any unlawful activities, including but not limited to unauthorized access, data manipulation, or distribution of our proprietary content without permission. We expect all users to maintain respectful conduct and refrain from harassment, fraud, or deception. You are responsible for maintaining the confidentiality of any login credentials and for all activities conducted under your account. Any violation of these obligations may result in immediate termination of your access and potential legal action. We monitor platform usage to ensure compliance and reserve the right to suspend accounts that breach these guidelines.

Intellectual Property Rights

All content on our platform, including articles, analyses, data visualizations, reports on Malaysian fiscal sustainability, government securities market information, and credit rating assessments, is protected by intellectual property laws. We retain all rights to our original content, research methodologies, and analytical frameworks. Users may access and view content for personal, non-commercial purposes only. Unauthorized reproduction, distribution, or commercial use of our materials is strictly prohibited. We actively enforce our intellectual property rights and will pursue legal remedies against infringement. Users may not reverse-engineer our tools, scrape our data, or create derivative works without explicit written consent from our organization.

Limitation of Liability

Our platform provides information and analysis for educational and informational purposes related to Malaysia’s public debt management and sovereign credit ratings. We do not guarantee the accuracy, completeness, or timeliness of all content. To the maximum extent permitted by law, we disclaim liability for any damages arising from your use of our services, including direct, indirect, incidental, or consequential losses. We are not responsible for investment decisions made based on our analysis or for losses resulting from market fluctuations. Users rely on our information at their own risk. We recommend consulting with qualified financial advisors before making any financial decisions based on our content regarding government securities or fiscal sustainability outlook.

Termination of Services

We reserve the right to terminate or suspend user access to our services at any time, with or without cause, and with or without notice. Grounds for termination include violation of these Terms of Service, illegal activities, or breach of our acceptable use policy. Upon termination, your right to access our platform ceases immediately, and all associated accounts and data may be deleted. Users who have been terminated are prohibited from creating new accounts or circumventing access restrictions. We may also discontinue or modify specific services or features without liability. If we terminate your access, we will make reasonable efforts to notify you, though we are not obligated to do so in all circumstances.