Legal Disclaimer & Terms of Use

1. General Information Only

The information provided on this website by My Realty 2 You is for general educational and informational purposes only. While our network consists of qualified professionals across various sectors—including insurance, financial planning, banking, accounting, law, and property management—the content on this website does not constitute formal legal, tax, financial, investment, or banking advice.

2. No Professional-Client Relationship

Accessing, reading, or interacting with this website, or sending an inquiry to us via email, does not create a professional-client relationship (such as an attorney-client, accountant-client, or licensed financial advisor-client relationship) between you and My Realty 2 You or any of its individual professionals. A formal relationship is only established once a written engagement agreement or policy contract is explicitly signed by both parties.

3. Specific Product & Investment Risk Disclosure

My Realty 2 You highlights Hong Kong savings insurance plans as part of its financial planning solutions. Please be advised that:

• Non-Guaranteed Benefits: Savings insurance plans often comprise both guaranteed and non-guaranteed components (such as reversionary bonuses, terminal bonuses, or dividends). Projected returns are illustrative and are not guaranteed. Actual performance may vary based on the performance of the underlying funds and the declaring insurance company's discretion.
• Currency Risk: Plans involving foreign currencies are subject to exchange rate fluctuations, which may positively or negatively impact the value of your returns when converted back to your local currency.
• Early Surrender Liquidity: Insurance savings policies are designed as long-term financial commitments. Early surrender or termination of the policy may result in a significant loss of principal.

4. Jurisdictional & Regulatory Compliance

My Realty 2 You operates from Kuala Lumpur, Malaysia. Financial and insurance products mentioned on this website, particularly offshore or cross-border products such as Hong Kong insurance plans, may be subject to specific regulatory frameworks, tax obligations, and compliance laws in both Malaysia and Hong Kong. It is the sole responsibility of the user/client to ensure compliance with their local laws, tax residency requirements, and foreign exchange administration rules before committing to any offshore product.

5. Limitation of Liability

Under no circumstances shall My Realty 2 You, its partners, affiliates, or employees be held liable for any direct, indirect, incidental, or consequential loss or damage arising from the use of, or reliance upon, the information provided on this website. You are strongly encouraged to seek independent, personalized professional counsel tailored to your specific financial situation, legal needs, or tax status before making any financial decisions.

6. Contact Information

If you have any questions regarding this disclaimer, please contact us directly at Email: lc220674@gmail.com