Terms of Service

Last updated: March 9, 2026

These Terms of Service govern your use of MediCost Malaysia and its services. By accessing and using our website, you agree to be bound by these terms and conditions. We provide educational resources on healthcare cost awareness, medical expense planning, and financial preparedness in Malaysia.

Acceptance of Terms

By accessing our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. Your use of our platform indicates your acceptance of all terms, conditions, and notices contained herein. We reserve the right to modify these terms at any time without prior notice. Your continued use of the website following any changes constitutes your acceptance of the new terms. If you do not agree with any part of these terms, you must cease using our services immediately. We encourage you to review these terms regularly to stay informed of any updates or modifications that may affect your use of our educational resources on healthcare planning and medical expense awareness.

User Obligations and Responsibilities

As a user of our services, you agree to use our website in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You agree not to engage in any conduct that could damage, disable, or impair our services, including harassment, illegal activities, or spreading malicious content. You must provide accurate information when using our platform and update it as necessary. We expect users to respect intellectual property rights and not reproduce, distribute, or transmit content without authorization. You agree to use our resources for legitimate educational purposes related to medical expense planning and healthcare cost awareness in Malaysia. Unauthorized access to restricted areas or circumventing security measures is strictly prohibited.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, videos, and educational materials about MySalam, PeKa B40, and healthcare planning, is the exclusive property of our organization or our content providers. We retain all intellectual property rights to our original works and compilations. You are granted a limited, non-exclusive, non-transferable license to access and view content for personal, educational use only. You may not reproduce, modify, distribute, transmit, or commercially exploit any content without our express written permission. This includes information about medical inflation trends, critical illness financial preparedness, and public versus private healthcare cost comparisons. Any unauthorized use of our intellectual property may result in legal action. We respect the intellectual property rights of others and expect the same respect from our users. Third-party content used on our website is used with appropriate permissions and attributions as required.

Limitation of Liability

Our website and educational resources are provided on an “as-is” basis without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of information provided on medical expense planning, healthcare costs, MySalam schemes, or PeKa B40 benefits. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. We are not responsible for third-party content or services linked from our website. Your reliance on any information provided is at your own risk. We strongly recommend consulting with qualified financial advisors or healthcare professionals for personalized medical expense planning and financial decisions. We disclaim all warranties regarding the fitness of our content for any particular purpose. Users acknowledge that healthcare costs and financial planning involve personal circumstances that require professional consultation beyond educational resources.

Termination of Access

We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause and without prior notice. Grounds for termination include violation of these terms, illegal activities, harassment of other users, or any conduct we deem inappropriate. Upon termination, your right to use our services ceases immediately. We may delete your account and associated information following termination. Termination does not relieve you of any obligations or liabilities incurred prior to termination. You may request to delete your account by contacting our support team through the website. We will make reasonable efforts to preserve content during the termination process. Certain sections of these terms, including intellectual property and limitation of liability clauses, will survive termination. We are not obligated to provide reasons for termination decisions, though we will communicate significant actions when appropriate.