Disclaimer
The information provided on kkasbs.com (the “Site”) by Kantor Konsultan Aktuaria Syamsuddin B. Salam (“we”, “us”, “our”) is for general informational purposes only. All information on the Site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.
1. Not Professional Advice
The content published on this Site, including articles, explanations of actuarial terms, and general descriptions of our services, is intended for general informational and educational purposes only. It does not constitute, and should not be relied upon as, professional actuarial, financial, legal, tax, or investment advice.
Actuarial calculations, valuations, and reserve estimations (including but not limited to employee benefit valuations under PSAK 24, pension fund design, and insurance technical reserve estimation) require a formal engagement, access to complete and verified data, and a signed agreement between our firm and the client. No content on this Site should be used as a substitute for such formal engagement.
Before making any decision or taking any action based on information found on this Site, you should consult a qualified, certified actuary or relevant professional regarding your specific circumstances.
2. No Client Relationship
Your use of this Site, or your communication with us through this Site (including via contact forms or email), does not create an actuary-client relationship. A formal client relationship is only established through a signed engagement letter or service agreement with our firm.
3. External Links Disclaimer
The Site may contain links to other websites or content belonging to or originating from third parties. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us. We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the Site.
4. No Warranties
Under no circumstance shall we be liable for any loss or damage of any kind incurred as a result of the use of the Site or reliance on any information provided on the Site. Your use of the Site and your reliance on any information on the Site is solely at your own risk.
5. Errors and Omissions
While we make every effort to ensure the information on this Site is accurate and up to date, errors or omissions may occur, particularly given that actuarial standards, accounting standards (PSAK/IFRS), and regulations issued by the Financial Services Authority (OJK) may change from time to time. We reserve the right to make changes to the content of this Site at any time without notice.
6. Professional Certifications and Team Credentials
Information regarding the certifications, designations, and professional experience of our team members (including FSAI, AAAIJ, and QCRO designations, and membership in the Persatuan Aktuaris Indonesia / PAI) is presented for informational purposes. Prospective clients are encouraged to independently verify professional credentials as needed.
7. Consent
By using our Site, you hereby consent to this Disclaimer and agree to its terms.
8. Changes to This Disclaimer
We may update this Disclaimer from time to time. Any changes will be posted on this page along with the updated date. We encourage you to review this page periodically.
9. Contact Us
If you have any questions or need further clarification about this Disclaimer, please contact us via the Contact page on this Site.