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Terms of Use

Please read and understand these terms and conditions of use ("these Terms of Use") carefully before using www.cimb.com/research ("this Website"). Your access to and use of this Website is subject to the following terms and conditions and all applicable laws. Please note that these Terms of Use including any amendments made thereto will govern your access of this Website regardless of whether you register or subscribe to be a user.

By accessing and using this Website, you would be signifying your assent to these Terms of Use. If you do not agree to these Terms of Use, you should immediately discontinue all access of this Website. These Terms of Use may be amended at any time by CIMB Group at its sole discretion. Any such amendments will be reflected by an update of this posting. You are therefore responsible to regularly update or familiarise yourself with the amendments made to these Terms of Use. Please check these Terms of Use periodically for amendments. Your continued access of this Website following the posting of amendments to these Terms of Use shall constitute your agreement and binding acceptance of the same.

1. GENERAL
  1.1  This Website (bearing the domain name www.cimb.com/research) is owned managed and operated by CIMB Group.
  1.2  This Website is solely for your personal use and for information purposes only and shall not at any time whatsoever, be assumed or deemed to be intended for any business or commercial purposes and/or the giving of financial or investment advice. You are therefore advised to obtain independent professional advice at all times and verification of the said content before making any decisions on the same.
  1.3 All content, material, information, data or opinions accessible via this Website are provided by CIMB Group “as is” and without warranties of any kind either express or implied to the fullest extent permissible and subject and pursuant to applicable laws. CIMB Group disclaims all warranties, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose or non-infringement.
2. INFORMATION
  2.1 Information contained in this Website is derived from sources CIMB Group considers to be reliable, but CIMB Group does not warrant the accuracy, correctness or completeness of any information furnished. CIMB Group makes no representation or warranty, express or implied, as to the results to be attained by any person from the use of the information or services found or comprised in this Website. CIMB Group also makes no expressed or implied warranties of merchantability, satisfactory quality, or fitness for a particular purpose or use with regard to such information or services.
  2.2

Any opinions or estimates expressed in this Website whether made by CIMB Group or Third Party constitutes their reasonable judgment as of the date such opinions or estimates are first published and are subject to change without notice. In providing information on this Website, CIMB Group, its employees or agents:

  1. does not give financial or investment advice; and
  2. does not have knowledge of, have not considered, have not given any consideration to and have not made any investigation of the specific investment objectives, financial situation or particular needs of any user, any specific person or group of persons or visitors to this Website.

In the circumstances, you are advised to always make your own assessment or independent investigations as may be necessary in order for you to make an informed and reasoned decision regarding your personal, legal, commercial, or financial matters. In particular please note that:

  1. any forecasts or projections or forward looking statements made whether by CIMB Group or any other party in this Website are not necessarily indicative of future or likely performance, future events or future financial performance of products, countries, markets or companies and these statements are only predictions and actual events or results may differ; and
  2. any opinion or estimate contained in this Website is made without the knowledge, consideration or investigation of the specific investment objectives, financial situation or particular needs of any user, any specific person or group of persons or visitors to this Website and is not to be relied on or considered as advice of any nature whatsoever.
  2.3 With respect to paragraphs 2.1 and 2.2, CIMB Group expressly disclaims all liability for the use or interpretation by others of information contained in this Website or for any loss arising whether directly or indirectly as a result of the visitor, user, any person or group of persons acting on any information, opinion or estimate contained in this Website.
3. INTELLECTUAL PROPERTY
  3.1 Information found or comprised in this Website are the property of CIMB Group, or other information or service providers and are confidential or the subject of copyright or other applicable moral or intellectual property rights. Visitors to this Website may not reproduce, copy, hyperlink to, retransmit, disseminate, sell, distribute, publish, broadcast, circulate, modify, edit, alter or commercially exploit the information found in this Website in any manner whatsoever without the express written consent of CIMB Group, or use such information or services for any unlawful or unauthorised purpose.
  3.2 Permission is granted to electronically copy and/or print hard copies of pages from this Website solely for the visitor's own personal non-commercial purposes only. Any other use of this Website or information or services found in this Website is strictly prohibited, unless the written permission of CIMB Group is first obtained in writing.
4. RESTRICTIONS ON DEEP LINKING/FRAMING
  4.1 CIMB Group is concerned about the integrity of this Website when it is accessed in a manner solely determined by third parties or viewed in a setting solely created by third parties. Specifically, CIMB Group is concerned with activities such as linking to an internal or subsidiary page of this Website that is located one or several levels down from the home page of this Website ("Deep Linking") and the incorporation of any part of this Website as part of your own web page ("Framing"). Deep Linking to or Framing any part of this Website or any similar activity may not be carried out by you unless you have first obtained the express written permission of CIMB Group to do so.
5. LIMITATIONS OF USE
  5.1 You also may not take any action that imposes an unreasonable or disproportionately large load on this Website, or the associated infrastructure supporting this Website (including any computer or software systems supporting this Website).
  5.2 You are prohibited from obtaining or attempting to obtain, through any means, any information, material or content not intentionally made available or provided through this Website.
  5.3 You are prohibited from using any robot, spider, manual and/or automatic device, manual process, software or routine that may interfere with the proper operation of this Website.
  5.4 You are also prohibited from using any robot, spider, manual and/or automatic device, software or routine to access and/or use either the services available on this Website or the Website itself, unless duly approved and authorised by CIMB Group.
6. RESPONSIBILITY AND COMPLIANCE WITH LAW
  6.1  Your use of this Website is subject to all applicable laws and regulations (whether having the force of law or not). You agree that you shall:
(a)  not use this Website for illegal purposes or unauthorised purposes;
(b)  not interfere with or disrupt computer networks or systems connected to, supporting or hosting this Website; and
(c)  comply with all regulations, policies and procedures of networks connected to or which may be hosting this Website.
  6.2 Please also note that it is your responsibility to ensure that you are eligible to use this Website. If the access to this Website by you from your jurisdiction is restricted or prohibited, please do not access or use this Website.
7. PORTFOLIOS
  7.1   CIMB Group may provide one or more model portfolios of investment products or securities that are provided to members as benchmarks of how such a portfolio might be managed. These are provided to help you evaluate your research, and not as recommendations. Action relating to the addition or deletion of any investment product, security, group of investment products and securities, funds or any traded commodity should not be construed as investment advice. CIMB Group's model portfolio decisions are made without any regard to the knowledge, consideration or investigation of the specific investment objectives, financial situation or particular needs of any user, any specific person or group of persons or visitors to this Website.
  7.2 CIMB Group may also provide users with the opportunity to make public their own portfolios via the Website and changes in such portfolios should not be construed as investment advice. You should do your own research before making any investment related decision. You agree that, you and you alone are responsible for your investment decisions, and any gains or losses that may arise accordingly. You are solely responsible for making your own assessment when accessing this Website and you agree that your access and use thereof shall be at all times at your risk.
8. THIRD PARTY SERVICES/INVESTMENT PRODUCTS
  8.1 While certain third party services may be accessible through this Website (the "Third Party Services"), such services are provided by third parties and not CIMB Group. Accordingly, and notwithstanding that:
(a)  any Third Party Services are co-branded with this Website;
(b)  any logos or trademarks of this Website or CIMB Group appears on any web pages relating to or offering the Third Party Services; or
(c)  any Website or web page may be framed with in this Website,

CIMB Group gives no warranty of any kind, implied, express or statutory (including but not limited to warranties of availability, satisfactory quality or fitness for a particular purpose) in conjunction with any Third Party Services or any products (including unit trusts) obtained through such services and your access and use of any Third Party Services is at your own risk.
  8.2 CIMB Group shall also not be liable, (whether under contract or tort or other legal theory), for any damages or expense (including any direct, indirect, consequential or special damages) which you may suffer or incur as a result of using any Third Party Services or in connection with any products (including unit trusts) obtained through such services.
  8.3 Investments in any unit trusts or other securities which may be accessible via the Third Party Services (the "Investment Products") are not deposits or other obligations of, or guaranteed or insured by CIMB Group or its affiliates and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future performance. The value of the Investment Products and the income from them may fall as well as rise. All applications for Investment Products must be made on the application form accompanying the relevant prospectus, if required by applicable law. Investors should read the prospectus for details. Further, if you wish to use any Third Party Services you will have to abide by any terms and conditions imposed by such third parties in respect of such services.
9. FURTHER WARRANTIES AND LIMITATION OF LIABILITIES
  9.1 CIMB Group does not make any representation, recommendation, endorsement, warranty or guarantee the completeness, adequacy, quality, accuracy or timeliness of any content, material, information, data, or opinions that may be obtained or is available via this Website, including but not limited to that provided by any institutions, advertisers, consultants, legal advisors or any Participant.
  9.2  As users of this Website you may encounter other parties who may identify themselves or are identified as other users, staff of CIMB Group or otherwise. These people may or not be associated with CIMB Group. In any event these people are individuals, the opinions they express are their own and not those of CIMB Group. These people may or may not have formal financial training or experience regardless of what they may tell you. Accordingly, you agree to treat with caution anything these people may tell you and not to hold CIMB Group liable for their communications and/or your actions based on them. Please remember, that almost every individual you encounter in this Website will have a financial interest in the investment products or securities they discuss. They may or may not tell you about such holdings.
  9.3 CIMB Group does not warrant that any feature or function comprised or accessible via this Website will be uninterrupted or error-free, that defects will be corrected or that this Website or the computer system supported this Website is free of any virus or other harmful elements. CIMB Group assumes no responsibility for the deletion, mis-delivery or failure to store any user communications, materials, information, data or email. Access and reliance of any content, material, information, data or opinions accessible via this Website by you is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the storage or download of any such content, material, information, data or opinions.
  9.4 Please note that should you choose to access or use this Website, the allocations of liability mentioned in these Terms of Use, including those mentioned in this clause 9, represent the agreed and bargained for understanding of the parties with respect to CIMB Group's liability. You acknowledge that the limitations set out in these Terms of Use (including this clause 9) are integral to the consideration payable to CIMB Group for providing this Website and that were CIMB Group to assume any further liability beyond that set forth in this clause 9, such consideration would be substantially higher.
10. INDEMNITY
  10.1 You agree to fully indemnify and hold CIMB Group, its affiliates, members, directors, officers, employees, agents and servants harmless against all damages, losses, expenses, and costs (including solicitors' fees on a full indemnity basis) which CIMB Group may suffer or incur due to or arising out of or in connection with
(a) your breach of any of the provisions of these Terms of Use,
(b) your infringement of any rights or intellectual property rights, including copyrights, trademarks or rights of confidence of any person or entity,
(c) any action taken or omitted to be taken in good faith by CIMB Group pursuant to any instructions, notice or request by you or
(d) the enforcement of CIMB Group's rights against you under these Terms of Use.
11. RISKS
  11.1

Due to the nature of the Internet, a visitor to this Website must acknowledge and accept the risks of the possibility of:
(a) unauthorised copying, amendment, recording or reading of or interference with messages or this Website by third parties;
(b)  delay in or inability to access or use this Website due to any hardware, software, system or connection failure, error, omission, interruption, delay in transmission or computer virus; and
(c)  loss of data or information that may occur due to any cause whatsoever, including any failure of any electrical, electronic, computer, microprocessor, recording or communication system of CIMB Group or any other party, and the visitor releases CIMB Group from any claim which the visitor may have as a result of the visitor assuming such risks.

In any event CIMB Group shall not be liable, whether under tort or contract, for any damages, losses or expenses suffered or incurred by visitors, including direct, consequential, incidental, special, or indirect damages, or loss of profits or trading losses, arising from or otherwise resulting directly or indirectly from:
(i)   any government restriction, exchange ruling, suspension of trading, war, strike, industrial action, civil commotion, national disaster or any other event or circumstances beyond CIMB Group's control;
(ii)  any failure of any relevant correspondent or other agent or principal of CIMB Group, or any failure of any information sources, depository, dealer, exchange, clearing house or regulatory or self-regulatory organisation for any reason whatsoever to perform its obligations; 
(iii)  any failure of any computer hardware, application software or software utilised in relation to or in respect of the provision of this Website or any interruption, interference, delay in respect of or loss of use or access to those Website due to technical difficulties or outages that may affect CIMB  Group or any other party's computer, communications or power systems or supplies, even if CIMB Group has been advised or is aware of the possibility of such damages, losses or expenses arising.

12. GOVERNING LAW & JURISDICTION
  12.1

Notwithstanding from where you gain or attempt to gain access to this Website, you agree that these Terms of Use and your access to this Website and use of any content of this Website and any disputes arising thereunder shall, at all times, be governed and construed in accordance with the laws of Malaysia. Further, you agree to submit and by bound by the exclusive jurisdiction of the Courts of Malaysia.

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