Terms & Conditions

General

Payungku.my currently provides its customers access to a rich collection of information and materials on financial products and services of Payungku.my as is made available only in Malaysia.

All the products and services of Payungku.my are subject to the terms, conditions, rules or regulations of the applicable agreement governing their use. These terms are to be read by you together with such other terms, conditions, rules or regulations. In the event of any conflict, the terms, conditions, rules or regulations applicable to the specific products or services shall prevail over these terms.

The contents of this website are merely for information purposes only and are subject to change at the discretion of Payungku.my.

Links

Links from or to websites outside this website are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of Payungku.my. Therefore, Payungku.my shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Furthermore, the links provided in this website shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and Payungku.my will not be responsible or liable for any damages in connection with therefrom. It is advisable for you to read the privacy policy statements (if any) of any websites which are linked to this website.

Copyright

Copyright in the information contained in this site subsists under the Copyright Act and, through international treaties, the laws of many other countries. It is owned by Payungku.my unless otherwise stated. Customers may download a single copy of a document and, where necessary for its use as a reference, or make a single hard copy. Except as permitted under the Copyright Act or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of Payungku.my.

Trademarks

All trademarks, service marks, and logos displayed in this website are the property of Payungku.my and/or their respective third-party proprietors as identified in the website.

Unless the prior written consent of Payungku.my or the relevant third-party proprietor of any of the trademarks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trademarks, services marks or logos.

Similarly, unless the prior written consent of Payungku.my or the relevant proprietor has been obtained, no such trademark, service mark or logo may be used as a link or to mark any link to the Payungku.my’s website or any other site.

Exclusion of Liability

Payungku.my and/or its partner herein shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or in direct, special, incidental, consequential or punitive damages, or loss profits, or savings arising in connection with your access or use or the inability to access or use this website (or any third party link to or from Payungku.my's website) reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise. This exclusion clause shall take effect to the fullest extent permitted by law.

Indemnity

You hereby agree to indemnify and keep fully indemnified Payungku.my, its employees, agents, cobranders and affiliates against any action, claim, demand, expenses (including legal fees on a full indemnity basis) suffered or incurred by Payungku.my arising from any use or misuse of the Content on this Website and other websites linked to this Website and the services provided therein; breach or non-observance of the Terms; and infringement of rights of any third party in conjunction with your use or access to this Website.

Termination

Payungku.my reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, Payungku.my may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of Payungku.my, of any other user, or of any third party.

Governing Law and Jurisdiction

Materials, information, insurance/takaful products and services provided and offered on this Website are strictly made available for use and/or access of Payungku.my's customers in Malaysia and shall not be construed as having been made available outside Malaysia.

This agreement shall be governed by and construed in accordance with the laws of Malaysia. By accessing this Website and/or using the services offered through this Website, you hereby consent to submit to the exclusive jurisdiction of the courts in Malaysia.