This website or portal (including such services as may be made available on and/or
through this website or portal) ("Website/Portal") is owned and operated by
Persatuan Kredit Komuniti Bersatu Malaysia (PPM-008-10-24092021) ("PKKBM")
and its approved third-party vendors. Your access and/or use of this
Website/Portal are governed by these Terms and Conditions including any
amendments thereto which PKKBM at its sole discretion, may make from time to
time (collectively referred to as the "Terms and Conditions"). PKKBM has the right
at any time, to change or discontinue any aspect or feature of this Website/Portal,
including but not limited to the content and availability. You are advised to refer
to the Terms and Conditions each time you access and/or use this Website/Portal
to ascertain and understand any deletion, modifications, variations and/or
additions that may be made to the Terms and Conditions from time to time and
you shall be deemed to have agreed to and accepted the Terms and Conditions,
including such deletions, modifications, variations and/or additions each time you
access and/or use this Website/Portal.
Some of the services of PKKBM are subject to other applicable terms and
conditions governing the provision of such services. These Terms and Conditions
are meant to govern your access and/or use of this Website/Portal and are to be
read together with the applicable terms and conditions governing any transactions,
products and/or services provided by PKKBM. In the event of conflict between
these Terms and Conditions and the terms and conditions governing the relevant
transactions, products and/or services, the latter shall prevail.
Disclaimer
The content of this Website/Portal (including but not limited to all information,
data, representations, statements, hyperlinks, articles, and documents found
herein) are prepared and provided on an "as is" and "as available" basis for general
information only and are to be used at your own risk. They do not constitute
professional, expert, investment, strategic or management advice or opinion of
any kind. Accordingly, the content of this Website/Portal should not be relied on
as a substitute for doing your own research and seeking your own independent
advice from consultants, professionals or such other persons who are suitably
qualified in the respective fields of expertise.
accuracy, suitability, completeness, or timeliness of use for any purpose
whatsoever of such content:
accuracy or reliability of any of the sources from which such content is derived
(whether credited or otherwise);
title, merchantability or fitness for particular purpose of any product or service
listed on or directed to by this Website/Portal;
non-infringement of intellectual property rights of any third party;
payment and delivery obligations that may arise as a result of the use of the
content of this Website/Portal:
confidentiality of any information disclosed to any party, person or entity listed
on or directed to by this Website/Portal; or
viability or feasibility of any business opportunity, model, or any type of
investment whatsoever.
For the avoidance of doubt, PKKBM hereby expressly disclaims any and all liability
of any nature and does not provide any warranties, express or implied for any loss
or damage howsoever caused in connection with or arising from the browsing,
downloading, uploading or the use of, reliance on or inability to use any of the
content of this Website/Portal, or from any action or decision taken as a result the
browsing, downloading, uploading or the use of or reliance on any of the content
of this Website/Portal.
You acknowledge and agree that PKKBM, its officers, directors, employees,
affiliates, and agents, or any of them, shall in no event or in any manner be liable
to any user of this Website/Portal for any damages or losses of any kind or nature,
including, but not limited to, direct, incidental or consequential damages, loss of
income, loss of profit or anticipated profit, loss of goodwill or reputation, arising
out of the use of, access to or any manner connected with this Website/Portal, it's
content, material or services even if PKKBM, its officers, directors, employees,
affiliates and agents, as the case may be, has been advised of the possibility of such
damages resulting from use of, access to or any manner connected with this
Website/Portal, its content, material or services. Nothing in this Terms and
Conditions shall limit our liability or the liability of our officers, directors,
employees, affiliates, and agents as the case may be for death or personal injury
resulting from our or their negligence.
Cookie/Tracking Technology
This Website/Portal may use cookie and other tracking technologies depending on
the features offered. Cookie and tracking technologies are useful for gathering
information such as browser type and operating system, tracking the number of
visitors to the site, and understanding how visitors use the site. Cookies can also
help customize the site for visitors. The cookies used in this Website/Portal will not
identify the IP address and individual user.
Personal Data Protection
PKKBM's PERSONAL DATA PROTECTION STATEMENT ("STATEMENT") sets out the
general terms regarding the manner in which personal data is processed by PKKBM. If
you provide personal data to PKKBM by accessing and/or using this Website/Portal,
you are deemed to have consented to the processing of the personal data by PKKBM
in the manner set out in the said Statement.
Indemnity
By using and/or accessing this Website/Portal, you agree to indemnify, defend and
hold PKKBM, its officers, directors, employees, vendors, affiliates and agents
harmless of and from any claims, suits, proceedings, demands, damages, costs or
expenses (including, but not limited to, reasonable attorney's fees and costs
(including expert witness costs and other costs of any such suit or proceeding), and
liabilities of any kind or nature, arising out of or related to a violation of these
Terms and Conditions, any content that you use, post or transmit through this
Website/Portal, your conduct on the Website/Portal or violation of any rights of
any third party (including, but not limited to, any assertions of infringement of
intellectual property rights.)
User conduct
You shall use this Website/Portal for lawful purposes only. In this regard, you
further acknowledge and agree not to:
upload, post, publish, e-mail, reproduce, link directly or indirectly, distribute or
otherwise transmit any content that is unlawful, harmful, threatening,
embarrassing, abusive, harassing, tortuous, defamatory, vulgar, obscene,
pornographic, libelous, deceptive, fraudulent, hateful, racially or ethnically
discriminatory, invasive of another's privacy, contains explicit or graphic
descriptions or accounts of sexual acts or violence discriminates , victimizes,
degrades or intimidates an individual or a group of individuals based on religion,
gender, sexual preferences, race, age, or disability, promotes or provides any
instructional information of violence, illegal activities or sexual misconduct or
cruelty to animals;
impersonate any person or entity or misrepresent your affiliation with a person
or entity;
forge or manipulate headers and/or identifiers to disguise the origin of any
context or use any service as storage for remote loading or as a door/signpost
to another homepage or website;
upload, post, publish, e-mail, reproduce, distribute or otherwise transmit any
content that is not yours or which you do not have any right, whether legally,
contractually or through a fiduciary relationship or otherwise, to the said
content;
upload, post, publish, e-mail, reproduce, distribute or otherwise transmit any
content that infringes any patent, trademark, trade secret, copyright or other
proprietary rights of any individual or entity;
upload, post, publish, e-mail, reproduce, distribute, or otherwise transmit any
content or form of solicitation including, but not limited to any advertising,
promotional materials, "junk mail", "spam" "chain-letters", or "pyramid
schemes" UNLESS such form of solicitation is expressly permitted by PKKBM for
such a designated purpose. However, such proviso does NOT apply to any "junk
mail", "spam, "chain-letters", or "pyramid schemes" or other generic forms;
upload, post, publish, e-mail, reproduce, distribute or otherwise transmit any
material that is infected with software viruses, Trojan horses, worms, logic
bombs or any other infections or any other computer code, files or programmes
designed to interrupt, destroy or limit the functionality of any computer
software or hardware or telecommunications equipment or to carry out any
other similarly destructive activity;
act in any manner that negatively affects other users' ability to engage in this
Website/Portal or use any of the services herein;
engage in any activity that is contrary to or which would adversely affect the
purpose or intention of this Website/Portal;
engage in any manner that is interfering and/or disrupting or in breach of the
procedures, policies or regulations of any of the servers or networks connected
to this Website/Portal;
intentionally, in a negligent manner or innocently violate any applicable local,
state, national or international law currently in force (including without
limitation those governing export control, consumer protection, unfair
competition, anti-discrimination, or false advertising) or otherwise create any
liability for PKKBM or its affiliates; and
shall not undertake any scheme to undermine the integrity of the computer
systems or networks used by PKKBM and/or any other user and you shall not
attempt to gain unauthorized access to such computer systems or networks.
Control and monitoring
You acknowledge and agree that, where any material in any form or manner is
created, maintained, uploaded, posted, published, e-mailed, reproduced,
distributed, or otherwise transmitted by any third-party user, PKKBM will not prescreen, control, monitor, guarantee, review or edit any such material. However,
PKKBM has the discretion, for any reason whatsoever and without providing any
reason, to modify, add, delete, or refuse, in whole or in part, any material in any
form or manner, if PKKBM is of the opinion that such material is in breach of the
spirit of any of the Terms and Conditions or is undesirable, inaccurate, or untrue.
You acknowledge and agree that PKKBM may disclose and inform any authorities
of any material in any form or manner created, maintained, uploaded, posted,
published, e-mailed, reproduced, distributed or otherwise transmitted by you if, in
the sole and absolute discretion of PKKBM and without reference to you or any
person(s) whatsoever, it be necessary or compulsory to comply with any
authorities, legal or otherwise, or necessary or compulsory to comply with any
valid claims that such material has violated any third party rights, property or the
personal safety of PKKBM, its affiliates, directors, officers, employees, agents,
successors and assignees, or of the general public.
Copyright
Unless otherwise stated, all content within this Website/Portal including but not
limited to, the rights to the look and feel of this Website/Portal, any headers and
titles, text, graphics, images, audio and video clips, software, title, logo, trademark,
marks, patents and legend or any other proprietary rights are either owned by
PKKBM or have been licensed to PKKBM by the respective owners of those rights
for use in the Website/Portal and are protected in accordance with the applicable
intellectual property laws. You hereby acknowledge and agree that PKKBM shall
have the exclusive rights conferred to it under law and shall be entitled to institute
any legal action or proceedings for any infringement, breach, or default of its rights.
You hereby agree that PKKBM shall be indemnified for any damages, costs of
solicitors and any interest charged for the defense of PKKBM, its affiliates, directors,
officers, employees, agents, successors, or assignees, against any other individual
or entity arising from your violation of any of the Terms and Conditions.
Linked sites
This Website/ Portal may contain links to third party websites. You acknowledge
and agree that PKKBM will not be held liable, directly, or otherwise, or is in any
way responsible of the content of the third-party websites you access to since
PKKBM does not review, control, or examine the content of the third-party
websites. Further, PKKBM's linking to such third-party websites or posting of
materials or advertising of such third-party websites is not an endorsement of or
representation concerning these third-party websites, materials, products, or
services. All title, logo, trademark, and intellectual property rights in the content
of any third-party websites is the property of the respective owner of such linked
websites and may be protected by applicable copyright or other intellectual
property laws or treaties. You are hereby advised to read the terms and conditions
and any policy that governs the third-party website. PKKBM has the right and the
sole discretion to add, change, decline or remove, without any notice, any feature
or link to any of the linked sites from this Website/Portal. You may only link
another website to this Website/Portal with PKKBM's prior permission. PKKBM's
agreement to link with any other website should not be interpreted or represented
to be an endorsement by PKKBM of any product, position, entity, or organization.
Registered Users / Contributors
Usage of certain products and services in this Website/Portal may require
registration. In such case where registration is required, you are identified as a
"Registered User" upon the completion of the applicable registration process, and
you shall agree as follows:
You shall be responsible for the confidentiality of the user account established for
you, including the user ID and password assigned to and/or created for the user
account.
You shall be responsible for all uses and the content of your user account.
If you have registered as a business entity, you represent that:
you have the authority to bind the entity to the Terms and Conditions of
this Website/Portal:
the address you use when registering is the principal place of business of
such business entity; and
all other information submitted to the PKKBM and this Website/Portal
during the registration process is true, accurate, current, and complete.
PKKBM reserves its right to suspend or terminate a Registered User's account at
any time.
You as a Registered User may not sell, attempt to sell, offer to sell, give, assign or
otherwise transfer a user account, ID or password to a third party without the prior written
consent of PKKBM. PKKBM may suspend or terminate the account of a Registered User or the
transferee of a Registered User in the event of a sale, offer to sell, gift, assignment,
or transfer in violation of this section.
PKKBM also reserves the right to refuse registration and deny the issuance of an
account and/or any other related account and associated user ID and password to
any user for any reason.
By submitting any idea, suggestion, feedback, comment, proposal, materials,
information and/or document ("Contributions") through this Website/Portal, you
acknowledge and agree that:
The Contributions do not contain any confidential or proprietary information
and PKKBM is not under any confidentiality obligation, express or implied, with
respect to the Contributions: and
The Contributions automatically become the property of PKKBM without any
obligation of PKKBM to you, unless provided otherwise by the law.
No sales agency relationship is created between you and PKKBM, our affiliates,
directors, officers, agents, or employees by virtue of PKKBM's display of any of your
information on this Website/Portal or its relevant micro-site.
You hereby represent, warrant, and agree to:
provide PKKBM with true, accurate, current, and complete information to be
displayed on this Website/Portal and/or the relevant micro-site; and
maintain and promptly amend all information to keep it true, accurate, current,
and complete.
You hereby represent, warrant, and agree that you have obtained all necessary
third-party copyright, trademark, trade secrets or patent licenses and permissions,
or such other licenses or permissions as may be required in connection with any
other personal or proprietary rights of any third party, for any material or
information you post on this Website/Portal and/or the relevant micro-site or
provide to PKKBM or authorize PKKBM to display. Third party copyrights,
trademarks, trade secret rights, patents and other personal or proprietary rights
affecting or relating to material or information displayed on this Website/Portal
and/or the relevant micro-site or affecting or relating to the products and services
that are made available or displayed on this Website/Portal and/or the relevant
micro-site, are hereafter referred to as "Third Party Rights." You hereby represent,
warrant and agree that you shall be solely responsible for ensuring that any
material or information that you post on this Website/Portal and/or the relevant
micro-site or provide to PKKBM or authorize PKKBM to display does not, violate
any Third-Party Rights, or is posted with the permission of the owner(s) of such
rights.
You hereby represent, warrant and agree that information which you have
submitted to PKKBM for display on this Website/Portal and/or the relevant microsite
shall be in accordance with the User Conduct stated in this Terms and Conditions.
You hereby grant an irrevocable, perpetual, paid-up in full, worldwide and royaltyfree,
sub-licensable (through multiple tiers) license to PKKBM to display and use all
information provided by you in accordance with this Terms and Conditions and to
exercise the copyright, publicity, and database rights you have in such material or
information, in any media now known or not currently known.
PKKBM reserves the right in its sole discretion to remove any material displayed
on the relevant micro-site which it reasonably believes is unlawful, could subject
PKKBM to liability, violates this Terms and Conditions or is otherwise found
inappropriate in PKKBM's sole and absolute discretion. PKKBM reserves the right
to cooperate fully with governmental authorities, private investigators and/or
injured third parties in the investigation of any suspected criminal or civil
wrongdoing. You agree that PKKBM shall have no liability to you, including no
liability for consequential or any other damages, in the event PKKBM takes any of
the actions mentioned in this section, and that you agree to bear the risk that
PKKBM may take in connection with any such actions.
Miscellaneous
PKKBM retains the right, at any time and without any notice or cause, to
discontinue this Website/Portal and any services made available on and/or
through this Website/Portal.
You acknowledge and agree that the laws of Malaysia shall govern the Terms and
Conditions, and the courts of Malaysia shall have jurisdiction in connection to any
claim and dispute involving PKKBM, its affiliates, directors, officers, employees,
agents, successors, or assignees. Users who choose to access this Website/Portal
from other locations other than Malaysia shall do so on their own initiative and are
personally responsible to comply with all applicable local laws affecting or being
applicable to the particular user.
If any of the provisions of these Terms and Conditions are deemed to be illegal,
void, or unenforceable for any reason, then such offending provision shall be
deemed to be severed from these Terms and Conditions and the remaining
unaffected Terms and Conditions shall remain in full force and effect. Any failure
by PKKBM to enforce any Term and Condition shall not be deemed to be a waiver
of any right to enforce such Term and Condition in the future.