Using this website.
These terms explain how you may use the Raizen Champion Group website, run by Raizen Champion Group Sdn. Bhd. (Registration No. 202301025518), and how to read the information and tools on it. By using the website, you agree to them.
General information, not advice
The information and tools on this website are general. They help you understand a topic and prepare for a conversation with us. They aren't financial, investment, insurance, tax or legal advice, and they don't take your own situation into account.
Before you decide on any product, please read the provider's documents and speak with an RCG representative who is authorised for that product. Product features, availability and recommendations depend on your needs, your eligibility and the provider's terms.
Who provides the products
We are an authorised agency working with FWD Insurance Berhad, FWD Takaful Berhad and Principal Asset Management Berhad. Products and services are provided by FWD Insurance Berhad, FWD Takaful Berhad, Principal Asset Management Berhad, Rockwills and Createwills, subject to their respective terms.
Our representatives can only discuss and arrange products within the scope they're authorised for. Not every product or service on this website is available through every representative.
Provider documents come first
If anything on this website differs from a provider's policy, certificate, prospectus, product highlights sheet, product disclosure sheet or other official document, the provider's document applies.
Enquiries do not create cover
Sending us an enquiry, using a tool or messaging us doesn't create insurance or takaful cover, a policy, an investment, a will, an agency contract or approval for any programme. Cover depends on the provider's application, acceptance and policy terms. A career enquiry starts a conversation only.
Planning tools
- Results are simple estimates for learning, based on your inputs and the assumptions each tool shows.
- Each tool states its assumptions, such as whether inflation, returns or tax are included.
- Results are not a quote, a guarantee, a product recommendation or a decision about eligibility.
- What you type stays in your browser. It isn't sent to us or stored.
No guaranteed returns or income
Nothing on this website guarantees an investment return, income, earnings, promotion or programme approval. Unit trust prices can go up and down, and you may get back less than you invested.
Income and progression in an advisory career depend on your activity, the quality of your business, your contract and the programme rules. Hi-5 is an FWD programme, and its figures depend on FWD's targets and approval.
Legacy information is not legal advice
General content about wills, estates and legacy planning is not legal advice. Wills are prepared by Rockwills or Createwills under their own terms. For your own situation, please get advice from a suitable professional.
Links to other websites
Some links take you to websites and services run by others, such as WhatsApp, the providers' websites and our web developer's website. They have their own terms and privacy policies. We aren't responsible for their content, availability or privacy practices.
Intellectual property
The RCG name and logo, and the text, photographs, films and design of this website, belong to us or are used with permission. Partner names and logos belong to their owners. Please don't copy or reuse any of them without written permission from their owner.
Using the website appropriately
Please use this website lawfully and with care. In particular:
- Don't misuse the website or the enquiry form, for example by sending spam, harmful code or false information.
- Don't try to access parts of the website or its systems that aren't public.
- Don't send an enquiry on someone else's behalf without their permission.
- Don't include identity documents, policy documents, medical information or payment details in an enquiry.
Accuracy and liability
We take care to keep this website accurate and working, but we can't promise that it's always complete, up to date or available. We may change or remove content at any time.
As far as the law allows, we aren't liable for any loss that comes from relying on general information on this website, from using the planning tools, or from the website being unavailable. Nothing in these terms takes away any right you have under Malaysian law that can't be excluded.
Governing law
These terms are governed by the laws of Malaysia. Any dispute about these terms or this website will be dealt with by the courts of Malaysia.
Contact and updates
If you have a question about these terms, you can email us at hello@raizenchampiongroup.com or write to Raizen Champion Group Sdn. Bhd., 18th Floor, Menara Liberty, 1008 Jalan Sultan Ismail, 50250 Kuala Lumpur.
Our Privacy Notice explains how we handle personal data, and our Cookies page explains the technologies this website uses.
We may update these terms from time to time. When we do, we will change the date shown here. These terms are available in English and Bahasa Malaysia. Last updated: 3 November 2026.