The Islamic fintech solutions described in this document are proposed for discussion and evaluation purposes only. They do not constitute financial, investment, legal, tax or Shariah advice, and no Shariah pronouncement or regulatory approval should be inferred from their inclusion. Any implementation remains subject to the client’s own due diligence and to approval by its Shariah committee and the relevant regulatory authorities, including Bank Negara Malaysia and the Securities Commission Malaysia where applicable. Malwealth Specialist and its directors, employees and agents accept no responsibility or liability whatsoever for any loss, cost or damage, whether direct or indirect, arising from the use of or reliance on any part of this document.