Terms of Use

1. Acceptance of Terms

By accessing this website (ayshield.com.my), you agree to be bound by these Terms. AY Shield Risk Advisory reserves the right to update these terms at any time.

2. Nature of Information

Content on this website is for general informational purposes only and does not constitute insurance advice or a binding offer. All coverage is subject to the terms and conditions of the applicable policy.

3. Professional Advice

Nothing here constitutes professional legal, financial, or insurance advice applicable to your circumstances. AY Shield Risk Advisory is an insurance advisory practice based in Penang, Malaysia. Its Principal Advisor, Au-Yang Liang-Hin, is a licensed insurance advisor.

4. Intellectual Property

All content — text, design, graphics and materials — is the property of AY Shield Risk Advisory. Reproduction without written consent is prohibited.

5. Limitation of Liability

AY Shield Risk Advisory shall not be liable for any loss arising from reliance on information on this website. Use is at your own risk.

6. Governing Law

These terms are governed by the laws of Malaysia. Disputes shall be subject to the jurisdiction of Malaysian courts.

Questions? Contact us at hello@ayshield.com.my. Last updated: June 2026.