Privacy Policy (PDPA), Legal Disclaimer & AdSense Disclosures
1. Non-Financial & Non-Legal Advice Notice
Home Loan Calculator Malaysia provides general educational estimates only. We do not offer licensed financial advice under the Financial Services Act 2013 or Islamic Financial Services Act 2013. Final loan terms depend on official bank credit checks.
2. Bank Negara Malaysia (BNM) Non-Affiliation & Trademark Fair Use
This website operates independently. We are unaffiliated with Bank Negara Malaysia (BNM), LHDN, KWSP, PERKESO, or any Malaysian bank listed. All bank names and trademarks belong to their respective owners and are used for comparative reference.
3. Malaysian PDPA Privacy Policy (Client-Side Processing)
We comply with the Personal Data Protection Act 2010 (PDPA). All salary, commitment, and property inputs run locally inside your browser. We never collect, transmit, or store your personal financial numbers on any server.
4. Google AdSense & Cookie Policy
Third-party vendors, including Google, use cookies to serve ads based on prior visits to this website or other websites. Users can opt out of personalized advertising at Google Ads Settings or aboutads.info.