Joshua Teoh S.Y. 张津瑞Licensed Senior Financial Advisor · Malaysia

Legal

Disclaimer & PDPA notice

About this website

This is the personal website of Joshua Teoh S.Y. (Teoh Sheak Yao, 张津瑞). It is not the official website of YES Financial Berhad or YES Trustees Berhad. Official company information is available at yesfinancial.co and yestrustees.com.

General information only

All content on this website, including articles and guides, is general and educational. It does not take into account any person's objectives, financial situation or particular needs and is not financial, investment, legal, tax or Shariah advice. It is not an offer, recommendation or solicitation to buy or sell any financial product. You should obtain advice specific to your circumstances, and read the relevant product disclosure documents, before making any financial decision.

Investments carry risk, including the possible loss of the amount invested. Past performance is not indicative of future performance. Figures, laws and rules mentioned are correct to the best of our knowledge at the date of writing and may change.

Regulatory disclosures

  • Joshua Teoh S.Y. is a Financial Adviser's Representative and Islamic Financial Adviser's Representative of YES Financial Berhad, and holds a Capital Markets Services Representative's Licence with the Securities Commission Malaysia. He is registered with FIMM as a UTS & PRS consultant of YES Financial Berhad (FIMM No. F01086234).
  • YES Financial Berhad (201601039168 / 1210109-T) is a Bank Negara Malaysia Approved Financial Adviser and Islamic Financial Adviser, and a Capital Markets Services Licence holder (financial planning) with the Securities Commission Malaysia.
  • YES Trustees Berhad (202401004551 / 1550401-U) is a licensed trust company under the Trust Companies Act 1949.
  • Neither Bank Negara Malaysia nor the Securities Commission Malaysia endorses or recommends any person, product or content on this website.
  • Licensed financial advisers do not collect investment monies into personal accounts. If anyone asks you to do so using this name, please report it.

Links to other websites

Links to official and third-party websites are provided for convenience and verification. We are not responsible for their content.

Personal Data Protection Act 2010 (PDPA) notice

If you contact Joshua Teoh S.Y. by phone, WhatsApp, email or an online booking form, the personal data you provide (such as your name, contact details and the matters you wish to discuss) will be processed by YES Financial Berhad and Joshua Teoh S.Y. to respond to your enquiry, arrange and prepare for meetings, provide services you request, and meet legal and regulatory obligations.

  • Your data will not be sold, and will not be disclosed to third parties except service providers needed for these purposes (for example scheduling or cloud storage providers, whose servers may be located outside Malaysia), regulators where required by law, or with your consent.
  • Providing your data is voluntary, but without it we may not be able to respond to you.
  • You may request access to or correction of your personal data, withdraw consent, or ask us to stop contacting you, by emailing joshuateoh485@gmail.com or replying STOP.
  • This website does not use advertising or analytics cookies.

Last updated: 2026-10-19