Terms of service

About: UWM OS (the product) is a digital personal finance education toolkit from Urus Wang Mudah (we, us). By buying or using the product you agree to these terms.

What you get: After payment we email you a one time unlock code. The code unlocks the package you bought (Basic, Master, or Ultimate) for your personal use, including future updates to that package.

Licence: Your unlock code is for your own personal use. Please do not share, resell, or publish your code. Each code is unique and tied to your order.

Not financial advice: UWM OS provides financial education only. We are not a licensed financial adviser, and the product does not recommend specific banks, insurance, takaful, or investment products. Decisions about your money are your own, and you may wish to consult a licensed professional for your situation.

Payment: Prices are in Malaysian Ringgit (RM). Refunds follow our Return and Refund Policy.

Availability: We aim to keep the product and the unlock service available, but we do not guarantee uninterrupted access.

Changes: We may update these terms or the product from time to time. Continued use means you accept the current terms.

Contact: Email uruswangmudah@gmail.com.