Disclaimer

Last updated: 3 July 2026

In short: Our calculators provide estimates only. All figures are subject to change. Always confirm the most up-to-date figures with your bank or loan provider before making any decision.

1. General information only

The calculators, tools and content on KiraDuit.my are provided for general informational and educational purposes only. They are intended to give you a rough guide, not an exact or binding quotation.

2. Estimates and figures are subject to change

All results, amounts and rates shown by our calculators are estimates only and are subject to change. Actual figures depend on many factors outside our control, including your bank or loan provider's approved interest rate, fees, insurance, eligibility, rounding methods and current promotions. The figures shown may differ from what you are actually offered.

3. We keep up with Malaysian laws where we can — but always verify

We make reasonable efforts to keep our calculators aligned with current Malaysian laws and regulations (for example, the Hire-Purchase (Amendment) Act 2026). However, laws, rates and government policies change frequently, and there may be delays, errors or omissions in our tools. It is always best that you check with your bank or loan company for the most up-to-date figures.

4. No liability

KiraDuit.my cannot be held liable for any errors, omissions, or inaccuracies, nor for any loss, damage or expense of any kind arising from the use of, or reliance on, our calculators, figures or content. You use this website and its tools entirely at your own risk.

5. Not financial, legal or tax advice

Nothing on this website constitutes financial, legal, tax or professional advice. Before making any financial decision, please consult a licensed financial adviser, your bank, or the relevant professional.

6. No affiliation

KiraDuit.my is an independent website. We are not affiliated with, endorsed by, or acting on behalf of any bank, financial institution, or government body (such as LHDN, Bank Negara Malaysia, or KWSP). Any names or trademarks mentioned are used for identification and informational purposes only.

7. External links

Our website may contain links to third-party sites. We have no control over, and accept no responsibility for, the content, accuracy or practices of those external sites.

8. Contact

If you have questions about this Disclaimer, contact us at hello@kiraduit.my.