Last Updated: 1st January 2021

These Terms of Use (“Terms”) govern your access to and use of www.fintech.my (“the Website”). By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you should discontinue use of the Website immediately.

1. Acceptance of Terms
By using the Website, you agree to comply with and be legally bound by these Terms and any additional guidelines or policies that may be posted from time to time.

2. Educational and Informational Purpose Only
All content provided on the Website is for General information and Educational purposes only. The Website does not provide financial, investment, legal or professional advice.

You acknowledge that:
-No content on this Website is intended to constitute regulated advice.
-You remain solely responsible for your decisions and actions.

3. No Regulatory Affiliation
You acknowledge and agree that the Website is NOT affiliated with, endorsed by, or licensed by:
–Bank Negara Malaysia (BNM)
–Securities Commission Malaysia (SC)

Any government regulator or licensed financial institution.
The Website does NOT engage in activities requiring registration or licensing under the FSA, IFSA, CMSA or any other Malaysian financial regulatory legislation.

4. User Obligations
By using the Website, you agree that you will:
-Use the Website only for lawful purposes.
-Not interfere with or disrupt the Website’s operation.
-Not attempt to gain unauthorised access to systems, data, or accounts.
-Not use any automated tools (e.g., bots, scrapers) without permission.
-You agree not to use the Website in any manner that may:
-Damage the Website’s functionality or security
-Violate any applicable laws or regulations

5. Intellectual Property Rights
All content on the Website including text, graphics, logos, icons, images, design and layout is the property of www.fintech.my or its content providers and is protected under applicable intellectual property laws.

You may not:
-Reproduce, modify, distribute or republish content.
-Use any trademark, logo or proprietary material without express written permission.

6. Third-Party Links
The Website may contain links to third-party websites for convenience. The Website:
-Does not control or endorse third-party content
-Is not responsible for the accuracy, security or legality of external resources.
You access third-party sites at your own risk.

7. Privacy and Data Protection
Your use of the Website is also governed by the Privacy Policy, which outlines how personal data is collected, processed, and protected in accordance with the Personal Data Protection Act 2010 (PDPA Malaysia). By using the Website, you consent to the processing of your personal data in accordance with our Privacy Policy.

8. Disclaimer of Warranties
The Website and its content are provided on an “as is” and “as available” basis. The Website makes no warranties, express or implied, regarding:
-accuracy
-completeness
-timeliness
-reliability
-suitability
The Website does not guarantee uninterrupted or error-free operation.

9. Limitation of Liability
To the fullest extent permitted by law, www.fintech.my and its operators shall not be liable for any losses or damages arising from:
-Use or inability to use the Website
-Reliance on any content
-Errors, omissions, or inaccuracies
-Any third-party links or services
This includes indirect, incidental, special, or consequential damages.

10. Indemnification
You agree to indemnify and hold harmless the Website and its operators from any claims, liabilities, damages, losses or expenses (including legal costs) arising out of your:
-Use of the Website
-Violation of these Terms
-Infringement of any rights of a third party

11. Modification of Terms
The Website reserves the right to amend or update these Terms at any time.
Revised Terms will be posted with an updated revision date.
Continued use of the Website constitutes acceptance of the revised Terms.

12. Suspension or Termination
The Website reserves the right to suspend or terminate your access, without notice, for any conduct that violates these Terms or is otherwise harmful to the Website or its users.

13. Governing Law
These Terms are governed by and construed in accordance with the laws of Malaysia.

Any disputes shall be subject to the exclusive jurisdiction of the courts of Malaysia.

14. Contact Information
For questions regarding these Terms, please contact:
Email: admin@fintech.my
Website: www.fintech.my