Terms of Use & Disclaimer

Effective Date: August 21, 2026

Last Updated: August 21, 2026

Welcome to SettleHutang.com (“we,” “us,” or “our”), accessible at https://settlehutang.com. Please read these Terms of Use & Disclaimer carefully before using our website, interactive debt and loan calculators, guides, and related services.

By accessing or using SettleHutang.com, you agree to be bound by these Terms. If you do not agree with any part of these terms, you must discontinue use of this website immediately.

1. Educational & Informational Purpose Only (No Financial Advice)

  • Not a Licensed Advisory Service: SettleHutang.com is an independent educational portal and software tool producer. We are not a bank, financial institution, licensed financial planner, credit counseling agency (such as AKPK), or tax advisor.

  • General Information: All articles, guides, strategies, debt snowball models, and balance transfer analyses published on this website are provided strictly for general informational and self-education purposes.

  • No Professional Relationship: Usage of this website or its interactive tools does not establish a financial planner-client relationship, fiduciary relationship, or professional consulting engagement. You should consult a certified financial planner, licensed financial professional, or your respective banking institutions before making significant financial commitments or debt restructuring decisions.

2. Accuracy & Limitation of Financial Calculators

Our calculators (including Flexi Home Loan, Credit Card Balance Transfer, Car Loan, PTPTN, and Debt Snowball/Avalanche tools) use standard mathematical formulas to generate estimates and projections:

  • Simulations & Estimates: Calculator outputs are estimates intended solely for illustrative comparison. Real-world financial results will vary based on daily compound interest rules, bank handling fees, credit scores (CCRIS/CTOS), promotional eligibility, variable base rates (e.g., Standardised Base Rate / SBR changes), and specific bank terms.

  • No Guarantee of Approval or Rates: SettleHutang.com does not guarantee loan approvals, balance transfer approvals, or exact savings amounts. Bank policies and interest rates are determined exclusively by respective lending institutions.

  • User Data Inputs: You are solely responsible for the accuracy of the financial numbers, interest rates, and loan tenures you enter into our calculation engines.

3. Client-Side Processing & Privacy Assurances

  • No Financial Credential Collection: We do not request, store, or transmit your MyKad / NRIC numbers, bank account details, online banking credentials, or credit card numbers.

  • Local Processing: All calculator computations run directly inside your web browser engine. Any option to save progress uses your browser’s local storage (localStorage) and remains strictly on your local device.

  • For more information on how non-sensitive usage data is handled, please review our separate Privacy Policy.

4. Intellectual Property Rights

  • Website Content & Code: All text, custom code, calculator algorithms, graphics, logos, layouts, and software scripts on SettleHutang.com are the intellectual property of SettleHutang.com and are protected by applicable intellectual property laws.

  • Permitted Use: You may view, download, and print content from this site for personal, non-commercial use only.

  • Prohibited Actions: You may not copy, reproduce, scrape, mirror, reverse-engineer, redistribute, or sell any calculator code, design assets, or original content from SettleHutang.com without prior written consent from us.

5. Third-Party Links & Advertisements

SettleHutang.com may contain links to external third-party websites, including official government portals (e.g., Bank Negara Malaysia, myPTPTN, KWSP, AKPK) or commercial bank promotion pages:

  • External Responsibility: We do not own, operate, or control these external websites and are not responsible for their content, availability, privacy policies, or practices.

  • No Endorsement: Inclusion of external links or discussion of third-party financial products (such as specific credit card balance transfer packages) does not constitute an endorsement, guarantee, or official sponsorship by SettleHutang.com.

6. Limitation of Liability

To the fullest extent permitted by applicable law in Malaysia:

  • “As-Is” Basis: SettleHutang.com and all its tools, content, and features are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied.

  • No Liability for Financial Losses: SettleHutang.com, its operators, authors, or affiliates shall not be held liable for any direct, indirect, incidental, consequential, special, or punitive damages—including monetary loss, debt accumulation, interest charges, lost savings, or business interruption—arising out of your access to, reliance upon, or inability to use this website and its calculators.

7. Indemnification

You agree to defend, indemnify, and hold harmless SettleHutang.com, its owners, developers, and operators from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to your violation of these Terms of Use or your misuse of the website’s tools and content.

8. Modifications to Terms & Website

We reserve the right to modify, suspend, or update these Terms of Use & Disclaimer or alter any calculator features at any time without prior notice. Changes take effect immediately upon being posted to this page. Your continued use of SettleHutang.com following any updates signifies your acceptance of the modified terms.

9. Governing Law & Jurisdiction

These Terms of Use & Disclaimer are governed by and construed in accordance with the laws of Malaysia. Any disputes or legal matters arising out of or in connection with the use of SettleHutang.com shall be subject to the exclusive jurisdiction of the courts of Malaysia.

10. Contact Information

If you have questions, feedback, or concerns regarding these Terms of Use & Disclaimer, please contact us at: