Legal
Disclaimer
Keith Wong — advisory practice
Keith Wong is licensed as a Financial Adviser's Representative (FAR) and an Islamic Financial Adviser's Representative under Bank Negara Malaysia, and as a Licensed Financial Planner under the Securities Commission Malaysia.
- FAR registration number: M30014342
- Islamic FAR registration number: M30014342
- SC Licensed Financial Planner / CMSRL number: eCMSRL/C0300/2021
- Licensed under (principal firm): VKA Wealth Planners Sdn Bhd
Insurers and Takaful operators referenced on this Site (including on the Providers page) reflect current panel appointments as at the date above. Appointments can change; confirm active status for any specific insurer directly with Keith Wong before relying on it. This Site does not offer every product from every insurer in Malaysia — only those within Keith Wong's actual appointments.
Nothing published here — including persona guides, the coverage-gap calculator, and general articles — constitutes personalised financial, insurance, or investment advice. Personalised advice is only given after direct engagement and proper needs analysis. Past performance of any investment-linked or unit trust fund referenced is not indicative of future results, and all investment involves risk, including possible loss of capital.
Kira-Kira — loan & financing tools
Kira-Kira is an independent information and referral service operated by Keith Wong. Kira-Kira is not a licensed moneylender under the Moneylenders Act 1951, is not a bank or licensed financial institution, and does not extend credit, approve financing, or act as an agent of any bank named in its content.
All figures produced by Kira-Kira's calculators — debt consolidation, refinancing, SME financing, LPPSA eligibility — are illustrative estimates based on the information you provide and general assumptions stated on each calculator. They are not offers, pre-approvals, or guarantees. The bank, insurer, or institution you're ultimately referred to determines actual eligibility, rate, tenure, and approval, based on their own independent assessment.
Where Kira-Kira references specific banks by name (Maybank, CIMB, Public Bank, RHB Bank, Hong Leong Bank, and others), this is for general informational purposes only, to identify licensed providers operating in the relevant market — it does not imply partnership, endorsement, or agency with any bank named.
Complaints and redress
If something goes wrong, here's where to go, depending on what the issue is:
| Situation | Where to go |
|---|---|
| A concern about Keith Wong's conduct, advice, or this Site directly | Contact wkuankit@gmail.com first — most issues can be resolved directly |
| Service quality or compliance concern regarding a BNM-regulated bank, insurer, or takaful operator | BNMLINK — 1-300-88-5465, or via bnmlink.bnm.gov.my |
| A financial dispute involving compensation — e.g. a rejected insurance claim or disputed fee, up to RM250,000 | Financial Markets Ombudsman Service (FMOS) — 03-2272 2811, fmos.org.my. FMOS was formed on 1 January 2025 from the merger of the former Ombudsman for Financial Services and the Securities Industry Dispute Resolution Center, and now also covers capital markets and financial planning-related disputes. |
| Struggling with existing debt, separate from a specific complaint | AKPK (Agensi Kaunseling dan Pengurusan Kredit) — free, government-backed debt counselling at akpk.org.my |
| A data protection concern | See our Privacy Policy for how to reach us, or the Personal Data Protection Commissioner |
Contact details above were current as of the date of this page's last update. Regulatory bodies occasionally change contact channels — if a number or link above doesn't work, search for the organisation's current details directly.
General
This Site is provided "as is." While we take care to keep information accurate and current, we make no warranty as to completeness, accuracy, or fitness for a particular purpose, and are not liable for decisions made in reliance on this Site without independent verification. Nothing on this Site should be read as a substitute for speaking directly with Keith Wong about your specific situation.