Terms of Use

By using the Site, you confirm that you are at least 13 years of age and agree to comply with these Terms. If you do not agree, please do not use the Site.

SmartCalc MY provides free online calculators for informational and educational purposes, including:

• BMI Calculator: Estimates body mass index using WHO Asia-Pacific guidelines.
• Salary Calculator: Estimates take-home pay using Malaysian statutory rates (EPF, SOCSO, EIS, PCB).
• Loan Calculator: Estimates monthly repayments using reducing-balance amortisation.

All results generated by our calculators are estimates based on standard assumptions and publicly available statutory rates. They are provided for general informational purposes only and:

• Do not constitute financial, tax, medical, investment, or legal advice.
• May not reflect your personal circumstances, declared reliefs, employer arrangements, or bank-specific terms.
• May not be accurate for hire-purchase (flat-rate) loans, civil servants, or non-resident individuals.
• Are not a substitute for professional advice or official correspondence from LHDN, EPF, SOCSO, or your bank.

Always verify results independently and consult a qualified professional before making any financial, health, or legal decision.

We make reasonable efforts to keep our calculators up-to-date with current Malaysian statutory rates and guidelines. However, we do not warrant that the information on the Site is complete, accurate, current, or free from errors. Statutory rates may change and there may be a delay before our calculators reflect such changes.

Use of the Site does not create any professional relationship (financial advisory, medical, legal, or otherwise) between you and SmartCalc MY. We are not licensed financial advisors, tax agents, medical practitioners, or legal practitioners.

To the fullest extent permitted by applicable Malaysian law, SmartCalc MY, its operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your reliance on calculator results or any content on the Site.
• Errors, omissions, or inaccuracies in the calculator outputs.
• Any interruption or unavailability of the Site.
• Any third-party content or advertisements displayed on the Site.

All content on the Site — including text, design, code, and calculator logic — is the property of SmartCalc MY and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any part of the Site without our prior written consent.

The Site displays advertisements served by Google AdSense and potentially other third-party advertising networks. We are not responsible for the content, accuracy, or practices of any advertiser. Clicking on advertisements may take you to third-party websites governed by their own terms and privacy policies.

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law.
• Attempt to access, scrape, or reproduce the Site's content or calculator logic without authorisation.
• Interfere with or disrupt the Site's infrastructure or security.
• Misrepresent the accuracy or authority of our calculator results.

We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms periodically. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

These Terms shall be governed by and construed in accordance with the laws of Malaysia. Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the courts of Malaysia.

For questions about these Terms, contact us at: hello@smartcalc.my. See also our Privacy Policy.