Terms of Service

Last updated: March 3, 2026

Acceptance of Terms

These Terms of Service govern your use of Ringgit Retrospect 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, you may not use our services. We reserve the right to modify these terms at any time, and your continued use of our website constitutes acceptance of any changes. Your use of our platform indicates your understanding and acceptance of the historical inflation data, economic resources, and educational content we provide regarding Malaysia’s inflationary periods and policy responses.

User Obligations

You agree to use our website only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, and disrupting the normal flow of dialogue within our website. You must not attempt to gain unauthorized access to our systems or networks, nor may you attempt to interfere with the functioning of our website or its services. As a user, you are responsible for maintaining the confidentiality of any account information and password you may have. You agree to accept responsibility for all activities that occur under your account and to notify us immediately of any unauthorized use.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of our organization or our content suppliers and is protected by international copyright laws. You may view and print pages for personal use only. Reproduction, modification, distribution, or transmission of any content without our prior written permission is strictly prohibited. We retain all rights to our historical inflation data, economic analyses, policy documentation, and educational materials. You may not reverse-engineer, decompile, or disassemble any software or services we provide. Any unauthorized use of our intellectual property may result in legal action and monetary damages.

Limitation of Liability

Our website and services are provided on an “as is” basis without warranties of any kind. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or other harmful components. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website, even if we have been advised of the possibility of such damages. The information regarding historical inflation patterns, policy responses, and economic lessons is provided for educational and informational purposes only and should not be considered financial or investment advice. We make no representations regarding the accuracy or completeness of any historical data presented on our platform.

Termination of Service

We reserve the right to terminate or suspend your access to our website at any time, with or without cause, and without prior notice or liability. Reasons for termination may include violation of these terms, unlawful activity, or abuse of our services. Upon termination, your right to use our website immediately ceases, and you must destroy all copies of any downloaded content. We may also terminate or discontinue any portion of our services at any time. Termination will not affect rights or obligations that accrued prior to the termination date. If your access is terminated, you may not attempt to re-register or access our services through another account without our express written permission.