Please read these Terms of Use ("Terms") carefully before using SmarterPik. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site immediately.
1. About SmarterPik
SmarterPik ("we", "us", "our") operates the website at smarterpik.com (the "Site"). SmarterPik is an independent financial comparison and information platform serving users in Malaysia and Southeast Asia. We help users compare financial products including credit cards, personal loans, broadband plans, insurance, and other financial services.
SmarterPik is not a bank, licensed money lender, insurer, securities dealer, financial planner, or licensed financial adviser. We are not registered or regulated as a financial services provider under the Financial Services Act 2013, Islamic Financial Services Act 2013, or any equivalent legislation.
2. Informational Purposes Only — Not Financial Advice
All content, data, comparisons, rankings, reviews, articles, tools, and calculators on this Site are provided for general informational purposes only. Nothing on SmarterPik constitutes, or should be construed as, financial advice, investment advice, legal advice, tax advice, or any other form of professional advice.
Any information you find on this Site is not a substitute for advice from a qualified professional who understands your individual financial circumstances. Before making any financial decision — including applying for a credit card, loan, insurance policy, or any other financial product — you should independently assess your own financial situation and, where appropriate, seek advice from a licensed financial professional.
3. Accuracy, Currency and Completeness of Information
Product information on SmarterPik — including but not limited to interest rates, annual fees, promotional rates, cashback rates, reward points, eligibility criteria, minimum income requirements, processing fees, coverage terms, and any other product details — is sourced from financial service providers, their official websites, publicly available materials, and other third-party sources.
Financial product terms are subject to change at any time by the respective providers, without prior notice to us. SmarterPik makes reasonable efforts to maintain accurate and current information, but we cannot guarantee that all information on this Site is complete, accurate, up to date, or free from errors or omissions at the time you access it. Discrepancies between the information shown on SmarterPik and the information published by the product provider may exist and are beyond our control.
Editorial content, guides, and articles published on this Site are prepared based on information available at the time of writing. Such content reflects conditions as they existed at the time of publication and may no longer be current. We make no warranty or representation that editorial content will be updated on any particular schedule.
You are solely responsible for independently verifying all product information, terms, conditions, and eligibility requirements directly with the relevant financial institution or product provider before making any financial commitment or application. SmarterPik accepts no liability for any decision made in reliance on information found on this Site without independent verification.
4. Affiliate Relationships & Commercial Bias Disclaimer
SmarterPik operates as an independent comparison platform and may earn a referral fee or commission when you click an affiliate link and apply for a financial product through our Site. This is how we fund our operations and keep the Site free to use. Our full Affiliate Disclosure explains how this works.
The existence of affiliate relationships does not influence the factual accuracy of information we present. However, not all products available in the market may be listed or compared on this Site, and our comparisons may not include all features or aspects of a product. Inclusion or exclusion of a product does not constitute an endorsement or rejection of that product.
5. No Warranty — Service Provided "As Is"
This Site and all content, tools, calculators, and services are provided on an "as is" and "as available" basis, without any warranty of any kind, whether express or implied. To the maximum extent permitted by applicable law, SmarterPik expressly disclaims all warranties, including but not limited to:
- Any implied warranty of merchantability, fitness for a particular purpose, or non-infringement;
- Any warranty that the Site will be uninterrupted, error-free, or free of viruses or harmful components;
- Any warranty as to the accuracy, reliability, timeliness, or completeness of any information on the Site;
- Any warranty that results obtained from use of the Site or its tools will be accurate or reliable.
Your use of this Site and any content or tools on it is entirely at your own risk.
6. Limitation of Liability
To the maximum extent permitted by law, SmarterPik, its operators, directors, employees, agents, and affiliates shall not be liable for any loss or damage of any kind arising from or in connection with:
- Your use of, or inability to use, this Site;
- Any reliance you place on information, content, tools, or calculators on this Site;
- Any inaccuracy, error, omission, or outdated information on this Site, including information that has changed due to updates by third-party providers without notice to us;
- Any decision to apply for, acquire, or use any financial product based on information from this Site;
- Any interruption, suspension, or termination of the Site or any service on it;
- Any unauthorised access to or alteration of your data.
This limitation of liability applies to all forms of loss, including direct, indirect, incidental, special, consequential, or punitive loss — even if we have been advised of the possibility of such loss. In jurisdictions where limitations of liability are restricted, our liability shall be limited to the maximum extent permitted by applicable law.
Nothing in these Terms limits or excludes liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be lawfully excluded.
7. Third-Party Links and Content
This Site contains links to third-party websites, including financial institutions, product providers, and other external sites. These links are provided for convenience only. SmarterPik has no control over the content, accuracy, practices, or availability of any third-party website and accepts no responsibility for them. Accessing a third-party site via a link on SmarterPik is entirely at your own risk and subject to the terms and conditions of that site.
8. Intellectual Property
All content on SmarterPik — including text, comparison data, graphics, logos, site structure, and tools — is owned by or licensed to SmarterPik and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, republish, modify, or commercially use any content from this Site without our prior written permission. You may share links to our content or print pages for your personal, non-commercial use.
9. User Conduct
You agree not to use this Site in any way that is unlawful, harmful, or disruptive. Prohibited conduct includes but is not limited to: attempting to gain unauthorised access to any part of the Site, scraping or data-mining content without written permission, transmitting malicious code, or using the Site in a manner that may damage our reputation or the experience of other users.
10. Indemnity
You agree to indemnify, defend, and hold harmless SmarterPik and its operators, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or in any way connected with your use of the Site, your breach of these Terms, or your violation of any applicable law or the rights of a third party.
11. Changes to These Terms
We may revise these Terms at any time by updating this page. Changes take effect immediately upon posting. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically. The "Last updated" date at the top of this page reflects the most recent revision.
12. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
13. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising in connection with these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts of Malaysia.
14. Contact Us
If you have any questions about these Terms of Use, please contact us.