Terms of Service

Last updated: March 9, 2026

These Terms of Service govern your use of OPR Insights and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, please do not use our services.

Acceptance of Terms

By using our website and accessing the information we provide regarding Bank Negara Malaysia monetary policy, the Overnight Policy Rate, interest rate mechanisms, and related financial guidance, you acknowledge that you have read and understood these Terms of Service. Your continued use of our platform constitutes your acceptance of these terms. We reserve the right to modify these terms at any time, and it is your responsibility to review them periodically. Your continued use of our services following any changes indicates your acceptance of the updated terms.

We provide educational content and practical guides designed to help users understand Malaysia’s monetary policy framework. This content is for informational purposes only and does not constitute financial advice, investment recommendations, or professional guidance. Users are solely responsible for their interpretation and application of the information presented.

User Obligations

As a user of our platform, you agree to comply with all applicable laws and regulations. You must not engage in any unlawful activities, including but not limited to harassment, defamation, or distribution of malicious content. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. We are not liable for unauthorized access to your account resulting from your failure to protect your credentials.

You agree not to reproduce, duplicate, copy, or sell any content from our website without explicit permission. You acknowledge that all materials provided, including guides on OPR mechanisms, Statutory Reserve Requirements, monetary transmission channels, and inflation targeting methodology, are provided for personal educational use only. Misuse of this information for unauthorized commercial purposes is strictly prohibited.

Intellectual Property Rights

All content on our platform, including text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of or licensed to us and is protected by international copyright laws. We retain all intellectual property rights to the original content, including our practical guides on Bank Negara Malaysia monetary policy and interest rate mechanisms. Users are granted a limited, non-exclusive license to access and view this content for personal, non-commercial purposes only.

You may not modify, republish, upload, transmit, or distribute any content from our website without our prior written consent. This includes but is not limited to our guides on OPR impact understanding, inflation targeting methodology, and monetary transmission channel awareness. Unauthorized reproduction or distribution of our intellectual property is prohibited and may result in legal action. We actively protect our intellectual property rights and reserve the right to pursue legal remedies against infringement.

Limitation of Liability

We provide our website and content on an “as-is” basis without warranties of any kind, either express or implied. We do not warrant that the information is accurate, complete, or free from errors. While we strive to provide reliable content about Bank Negara Malaysia monetary policy, OPR mechanisms, and related financial frameworks, we make no guarantees regarding the accuracy or timeliness of this information.

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or reliance on our content. This includes losses related to financial decisions made based on our educational materials. Users acknowledge that they use our platform at their own risk and assume full responsibility for any decisions made based on the information provided. We strongly recommend consulting with qualified financial advisors for personal financial matters.

Termination of Access

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and with or without notice. Termination may occur if you violate these Terms of Service, engage in unlawful activity, or for any reason we deem necessary to protect the integrity of our platform. Upon termination, your right to access our content immediately ceases, and you must comply with all obligations under these terms.

If we terminate your access, you may lose all access to content you have saved or accumulated through our platform. We may update this Terms of Service from time to time, and such updates will become effective upon posting to our website. Your continued use following any updates constitutes your acceptance of the revised terms. We encourage you to check back regularly for any modifications to ensure you remain informed of your rights and obligations when using our platform.