The author and publisher of RinggitFreedom.com (“Website”) and the accompanying materials have used their best efforts in preparing Website materials. The author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents of this Website. The information contained in Website is strictly for educational purposes. Therefore, if you wish to apply ideas contained in Website, you are taking full responsibility for your actions.
By using the Website, you agree to be bound by these Terms of Use ("Terms") and to use the Website in accordance with these Terms of Use, our Privacy Policy and any additional terms and conditions that may apply to specific sections of the Website or to products and services available through the Website or from us.
Accessing the Website, in any manner, whether automated or otherwise, constitutes use of the Website and your agreement to be Intellectual Property Rights bound by these Terms of Use. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, DO NOT USE THE WEBSITE.
The Website reserves the right to change these terms and conditions at any time without prior notice. In the event that any changes are made, the revised Terms of Use shall be posted on this Website immediately. Please check the latest information posted herein to inform yourself of any changes.
All rights reserved for all of the contents published under RinggitFreedom.com. No reuse may be made of any of the contents of this site without the express written permission from the owners.
The information contained on this Website and the resources available for download through this website are for educational and informational purposes only, and do not constitute financial, investment, legal, or tax advice.
I am not an attorney, accountant or financial advisor, nor am I holding myself out to be, and the information contained on this Website is not a substitute for professional financial, investment, legal or tax advice from a qualified and licensed advisor who is aware of the facts and circumstances of your individual situation.
We have done our best to ensure that the information provided on this Website and the resources available for download are accurate and provide valuable information. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not be consulting with a professional to address your circumstances. The Website expressly recommends that you seek advice from a professional.
Neither the Website nor any of its employees or owners shall be held liable or responsible for any errors or omissions on this website or for any damage you may suffer as a result of failing to seek competent financial or tax advice from a licensed professional who are familiar with your situation.
To be explicitly clear and blunt, I am NOT registered or licensed by the Securities Commission Malaysia (SC), the Securities and Futures Commission (SFC) in Hong Kong, the Australian Securities and Investments Commission (ASIC) in Australia, or any other financial regulator anywhere in the world. Everything I share here is based on my personal experience and general knowledge, and is meant purely for education and entertainment. Nothing on this website is intended to influence your decisions about any financial product, nor should it be treated as financial advice, investment advice, or a recommendation of any kind.
Please do not ask me for financial advice. I am not qualified, licensed, or authorised to provide advice tailored to your personal situation, and I will not do so under any circumstances.
By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website.
You agree to use judgment and conduct due diligence before taking any action or implementing any plan or policy suggested or recommended on this Website.
You agree that the Website has not made any guarantees about the results of taking any action, whether recommended on this Website or not. The Website provides educational and informational resources that are intended to help users of this website succeed in life, business, and otherwise. You nevertheless recognise that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of the Website.
You also recognise that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether clients or customers of the Website or otherwise – applying the principles set out in this Website are no guarantee that you or any other person or entity will be able to obtain similar results.
This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. We have taken reasonable steps to ensure that the information contained in this Website is accurate, but we cannot represent that this Website is free of errors.
You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website and/or resources available on it prior to taking any action. You expressly agree not to rely upon any information contained in this website.
While we take reasonable steps to maintain website security and availability, we cannot guarantee uninterrupted access, virus-free content, or third-party server uptime.
From time to time, the Website participates in affiliate marketing and may allow affiliate links to be included on some of our pages. This means that we may earn a commission if/when you click on or make purchases via affiliate links.
As a policy, the Website will only affiliate with products, services, coaches, consultants, and other experts that we believe will provide value to our customers and followers.
The Website will inform you when one of the links constitutes an affiliate link.
You recognise that it remains your personal responsibility to investigate whether any affiliate offers are right for yourself, your business or whether if it will benefit you. You will not rely on any recommendation, reference, or information provided by the Website but will instead conduct your own investigation and will rely upon your investigation to decide whether to purchase the affiliate product or service.
From time to time, the Website will refer to other products, services, coaches, consultants, and/or experts. We may also from time to time share our personal opinions on investment products and/or investment transactions. Any such reference is not intended as an endorsement or statement that the information provided by the other party is accurate.
The Website provides this information as a reference for users. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, and/or expert. Any investment-related information we publish is strictly based on personal opinion and experience, and is intended for educational or entertainment purposes only. It is not intended as a recommendation to buy or sell any investment products.
From time to time, the Website may share personal stories or reports on financial progress. These are honest representations of our own experiences, and do not constitute a promise, prediction, or guarantee of your own results.
As with any investments, your results may vary and will be based on your individual capacity, investments experience, expertise, and level of desire. There are no guarantees concerning the level of success you may experience. There is no guarantee that you will make any income at all and you accept the risk that the earnings and income statements differ by individual. Each individual’s success depends on his or her background, dedication, desire and motivation.
By submitting a guest letter, you hereby agree to grant the publisher RinggitFreedom.com the Creative Commons Attribution 4.0 International License to share and adapt your works to be published within RinggitFreedom.com (and its associated social media accounts) with no additional exceptions or limitations - with full attribution given to you.
We take online impersonation seriously and wish to make it explicitly clear: Ringgit Freedom will never ask for your money under any circumstances. We do not solicit donations, investment participation, or financial contributions of any kind.
While we previously accepted voluntary donations via Ko-Fi, that channel has since been discontinued. If you appreciate our content and wish to support a cause we care about, you may instead consider donating directly to a charity of our choice aimed at supporting the homeless and vulnerable communities.
Our only official social media accounts are as follows:
Instagram, Facebook, Threads, YouTube: @ringgitfreedom
Twitter (X): @ringgit_freedom (note the underscore)
Our official web presence is limited to:
Primary domain: https://ringgitfreedom.com
Backup domain: https://graciefreedom.com, which simply redirects to the primary domain
We disclaim all responsibility and liability for any loss, fraud, or damage resulting from users engaging with fake websites, impersonating accounts, or unauthorized entities claiming affiliation with Ringgit Freedom. If you encounter suspicious profiles or websites attempting to represent us, please report them immediately via one of our verified channels.
By using this website, you acknowledge that you understand and accept that Ringgit Freedom is not liable for any actions taken by third-party impersonators or fraudulent actors. You are solely responsible for exercising due diligence when interacting online.
To the fullest extent permitted by law, you agree to release, indemnify, and hold harmless the Website, its owner, affiliates, and contributors from any and all liability, loss, claims, and damages (actual and consequential) of any kind arising out of your use, misuse, or inability to use this Website, any linked content, products, or services, whether offered for free or for a fee.
You understand and agree that all content provided on this Website is for general informational and personal storytelling purposes only. Nothing on this site constitutes professional, financial, investment, legal, or other regulated advice. You agree that your reliance on any such content is at your own risk, and you are solely responsible for verifying any information before acting on it.
Under no circumstances shall the Website be liable for any direct, indirect, incidental, special, or consequential damages, loss of profits, business interruption, data loss, or personal injury arising from your use of or reliance on this Website or its resources, even if we are expressly advised of the possibility of such damages.
You agree to indemnify and hold harmless the blog owner (“Gracie”) from any and all claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising out of or related to your use of the website, your violation of these terms, or your infringement of any third-party rights.
This website and its contents are provided for personal, non-commercial use only. You may not reproduce, distribute, display, or otherwise use any content from this blog for commercial purposes, including but not limited to training, lead generation, paid newsletter distribution, or affiliate promotions, without prior written consent from the owner.
18 Feb 2026: Updated the following sections for greater clarity:
19 July 2025: Updated the following sections for greater clarity:
19 July 2025: Added a new section: