TERMS OF USE

1. WHAT THIS SITE IS

bank.subimpact.net publishes a database of 58 Malaysian savings accounts and 58 credit cards across 48 banks and platforms, each compiled from the institution's own published material, with a verification date and a source URL. It is a research and comparison tool operated independently by subimpact.net. By using the site you accept these terms.

2. NOT FINANCIAL ADVICE

Nothing on this site is financial, investment, tax or legal advice, and nothing here is a recommendation to open, close, switch or apply for any product. We are not licensed to advise, we do not know your circumstances, and using this site creates no advisory or fiduciary relationship. Rankings and calculator outputs are arithmetic on published terms, not a judgement about what suits you. Consider your own situation, and take licensed advice where you need it.

3. ACCURACY — VERIFY WITH THE BANK

Every figure carries the date we checked it and a link to the source we read. Even so, banks change rates, caps, fees and eligibility rules — sometimes without notice, and sometimes between our monthly re-verification passes. Promotional rates expire. Terms differ by customer segment and by state.

Always confirm the current terms directly with the bank before acting. If the bank's page and this site disagree, the bank is right and we are wrong — please tell us so we can fix it.

4. CALCULATORS ARE ESTIMATES

The savings and card calculators apply the modelling rules set out on the methodology page to the numbers you enter. They are estimates: they cannot capture every promotional tier, segment condition, proration rule or exclusion a bank may apply, and they do not know whether you will actually qualify. Your real return will differ. Do not rely on a calculator output as the sole basis for a financial decision.

5. NO LIABILITY

The site is provided "as is" and "as available", without warranty of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and uninterrupted availability. To the fullest extent permitted by law, subimpact.net and its operators accept no liability for any loss or damage — including lost interest, forgone rewards, fees incurred, or any indirect or consequential loss — arising from your use of, or reliance on, anything published here. Your decision, your responsibility.

6. NO AFFILIATION WITH BANKS

We are not affiliated with, endorsed by, or acting for any bank, digital bank or cash-management platform listed on this site. Bank names, product names and logos are the trademarks of their respective owners and are used here for identification and comparison only — nominative use, no endorsement implied or claimed. See the independence & conflicts register.

7. INTELLECTUAL PROPERTY & CITATION

The underlying product terms belong to the banks. Our compilation — the structured dataset, the verification dates, the methodology, the calculator logic, the rankings and the page text — is our work and is protected by copyright.

You may quote us. Journalists, researchers, LLMs and other sites are welcome to cite figures and findings from this site with clear attribution to bank.subimpact.net and a link to the page used. What we ask you not to do: republish the dataset wholesale as your own, strip the verification dates and sources from figures you reuse, or scrape at a volume that degrades the service for others.