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<div class="panel-heading">
<p style="text-align:left;padding: 10px 20px;"><strong style="font-size:14px;">REDmoney Sdn Bhd and REDmoney Limited terms and conditions</strong></p>
</div>
<div class="panel-body click-wrap-list" style="max-height:400px;overflow:auto;color:#666;padding:2rem;">
<ul style="list-style-type:none;">
<li><strong>1 Introduction</strong>
<ul style="list-style-type:none;padding-left:10px;">
<li>1.1 These are the terms and conditions of service ("<strong>Terms</strong>") which govern the use of all websites ("<strong>Sites</strong>") and related Services (as defined below) owned, operated or provided by REDmoney Sdn Bhd or
REDmoney Limited or another Group Company (“RMG“)<p style="font-size: 12px;">Your use of the Sites and Services is conditional on you complying with these Terms. Any additional terms and conditions that are posted on specific Sites or
agreed in relation to any Service (“<strong>Specific Terms</strong>”) shall be deemed incorporated into these Terms, and to the extent that any of these Terms conflict with any such Specific Terms, the Specific Terms shall prevail.
</p>
</li>
<li>1.2 Where you visit, register and/or subscribe to a RMG Site or related Service, these Terms will be governed by the laws of Malaysia and will operate as between RMG (and/or its licensors) and you, to the maximum extent permissible
under the law of the territory that you are located in; and</li>
<li>1.3 Provision of registration information by you to us (where relevant) will constitute an offer by you to become a Registered User or Subscriber (as applicable) on these Terms and any other terms applicable to the specific
registration or subscription (including, without limitation, terms relating to the number of licensed users, the applicable charges and period of any subscription). You will not become a Registered User or Subscriber (as applicable) nor
be entitled to access or receive Sites, Content or Services relating to the relevant registration or subscription unless and until we notify you of our acceptance of such offer, by providing you with a user name and password or
otherwise (in accordance with the registration or subscription process on that Site).</li>
<li>1.4 Please read these Terms carefully. Each time you access a Site or use a Service, these Terms will apply. These Terms may be amended in accordance with Clause 18 (Changes to these Terms) below. It is your responsibility to bring
these Terms to the attention of anyone who may, through you, access a Site or view or use any Content (as defined below).If you have any questions regarding these terms with any of the RMG Sites, please contact us at
<a href="mailto:andrew.morgan@redmoneygroup.com">andrew.morgan@redmoneygroup.com</a>. If you do not wish to be bound by these Terms, do not use any of the Sites or Services.</li>
<li>1.5 You may access a Site as follows:<ol style="padding-left:20px;">
<li>a.if you go through a registration process on that Site (if available), as a Registered User (in accordance with Clause 7 (<em>Registration & Subscriptions</em>) below); or</li>
<li>b.if you register as a Subscriber to our subscription Services which we offer or may offer in the future (in accordance with Clauses 7 [<em>Registration & Subscriptions</em>] and 8 [<em>Subscription Charges and Refund
Policy</em>] below); or</li>
<li>c.by accessing the Site without registration or subscription under (a) or (b) (as a Visitor). In such circumstances, your use of the Site or any Content (as defined below) constitutes your acceptance of these Terms.</li>
</ol>
</li>
<li>1.6 To the extent any individual accesses a Site or uses a Service as an Agent of any legal entity which is a Subscriber, the Agent warrants that he or she has authority to agree to these Terms on behalf of the relevant legal entity.
</li>
<li>1.7 Some areas on a Site may only be available to Registered Users or Subscribers (see Clause 7 [<em>Registration & Subscriptions</em>] below).</li>
<li>1.8 A Site may be supported by Sponsors whose names appear on the Site and whose own websites may be accessed by Internet links from that Site (see Clause 14 [Advertisements, Links and Third-Party Transactions] below).</li>
<li>1.9 Please also see our privacy statement in relation to use of your personal data by RMG.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none;margin-top:10px;">
<li><strong>2 Definitions</strong>
<ul style="list-style-type: none;padding-left:10px">
<li>2.1 "<strong>you/your</strong>" means (as appropriate) the Visitor, Registered User and/or Subscriber accessing a Site or using a Service.</li>
<li>2.2 "<strong>we/us/our</strong>" means RMG, as appropriate in accordance with Clause 1.2 above.</li>
<li>2.3 “<strong>Agent</strong>” means an employee, partner, director, contractor, agent or representative of any party.</li>
<li>2.4 “<strong>Connected Networks</strong>” means certain third-party social networking sites (including without limitation Twitter and LinkedIn) which we may choose to affiliate with a certain Site.</li>
<li>2.5 "<strong>Content</strong>" means all material, data, articles, information and products on the Sites or provided as part of a Service (including, without limitation, any Electronic Books or publications sent by post as part of a
Service, but excluding any Posted Material).</li>
<li>2.6 “<strong>Deep Linking</strong>” means the potential linking to an internal or subsidiary page of the Site located one or several levels down from the home page.</li>
<li>2.7 "<strong>Electronic Books</strong>" means any electronic publications or other written material available for download from any of our Sites, e-mailed directly to you as part of a Service or disseminated by other electronic means
for viewing without accessing a Site.</li>
<li>2.8 “<strong>External Sites</strong>” means websites other than the Sites provided by Sponsors or other third parties.</li>
<li>2.9 “<strong>Framing</strong>” means the bringing up of or presenting Content within another website.</li>
<li>2.10 "<strong>Group Company</strong>" means RMG.</li>
<li>2.11 “<strong>Intellectual Property</strong>” means copyright, trademarks, database rights and/or any other intellectual property rights as recognised in any jurisdiction.</li>
<li>2.12 “<strong>Interactive Areas</strong>” means bulletin boards, email services, discussion groups, messaging systems, including instant messaging facilities, and other public areas that allow interactivity between users of our Sites
and/or feedback to be provided to us.</li>
<li>2.13 “<strong>Investment</strong>” means any shares, security, financial product or other investment.</li>
<li>2.14 "<strong>Minimum Term</strong>" means the initial period of one year from the commencement of any subscription (or such other period as may be agreed in writing for any specific subscription).</li>
<li>2.15 “<strong>Posted Material</strong>” means the information and/or materials posted to Interactive Areas by you or any third party.</li>
<li>2.16 “<strong>Registered User</strong>” means a user of certain Sites and/or Services who has registered with us in order to access such Sites and/or Services in under Clause 7 (<em>Registration & Subscriptions</em>).</li>
<li>2.17 “<strong>Representative</strong>” means our suppliers, licensors, officers, employees, partners, affiliates, subsidiaries, successors and assigns, agents, or representatives.</li>
<li>2.18 "<strong>Services</strong>" means<ol style="padding-left:20px;">
<li>the supply of on-line or electronic information, publications, and data products (including, without limitation, the delivery of the same over the internet, or via mobile phone apps or other digital devices).</li>
<li>the supply of hard-copy publications and other materials; and</li>
<li>other services relating to a Site (including, without limitation, any Interactive Areas).</li>
</ol>
</li>
<li>2.19 "<strong>Social Media Page</strong>" means a page created, operated, or otherwise provided by RMG via a third-party social media site, network, application and/or service.</li>
<li>2.20 “<strong>Software</strong>” means the Intellectual Property in any software that is made available for download from our Sites.</li>
<li>2.21 “<strong>Sponsors</strong>” means sponsoring organisations and advertisers.</li>
<li>2.22 “<strong>Subscriber</strong>” means a user of our Sites and/or Services who has registered for our subscription Services under Clause 7 (<em>Registration & Subscriptions</em>).</li>
<li>2.23 “<strong>Third Party Services</strong>” products or services provided by anyone other than a Group Company.</li>
<li>2.24 “<strong>Visitor</strong>” means a user who accesses our Sites without registration or subscription.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>3 Views Expressed Disclaimer</strong>
<p style="padding-left:10px;font-size:12px">Articles and other content prepared and submitted for inclusion onto any RMG website is in his/her/their own personal capacity. The opinions expressed are the author’s own and do not reflect the
view of IFN and RMG. </p>
<p style="font-size: 12px;">Comments on any RMG website are the sole responsibility of the writers and the writers will take full responsibility, liability and blame for any libel or litigation that result from something written in or as a
direct result of something written in a comment.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>4 Your use of content, trademarks, and any other intellectual property</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>4.1 All rights in and to the Content and the Sites belong to us, our Group Companies or our third-party content providers and are protected by the Intellectual Property laws of Malaysia. We may license third parties to use the Content
at our sole discretion.</li>
<li>4.2 You may use the Sites and the Content solely for your own, exclusive personal use and benefit and not for resale or other transfer or disposition to any other person or entity. You may not use, reproduce, license, sublicense,
modify, transfer, exploit, distribute or dispose of any Content, including without limitation, for any commercial purposes, whether direct or indirect, in any manner that might compete with our business (including, without limitation,
by making Content available to anyone other than a Subscriber where such Content is accessible through subscription only), without RMG’s prior written consent (or that of RMG’s licensors’, as applicable).</li>
<li>4.3 Subject to the limitations in Clause 4.2 above and your compliance with Clause 5 (Your Obligations), and further subject to Clause 12 (Electronic Books), you may:<ul style="list-style-type: none;padding-left:20px;">
<li>a. retrieve and display Content on a computer screen or other digital device, print a single copy of individual pages on paper (but not photocopy them) and store such pages in electronic form on disc or other digital media (but
not on any server or other storage device connected to a network) on an ad hoc basis solely for individual use; and</li>
<li>b. use the "Email this story to a friend" option where the facility is available to email an article from a Site to other individuals without further charge, provided such other individuals also comply with the restrictions on use
in Clause 4.2 above.</li>
</ul>
</li>
<li>4.4 Notwithstanding Clause 4.2, you may quote from or paraphrase extracts of the Content to the extent permitted and strictly in accordance with any applicable Specific Terms, or as otherwise permitted by law, on the condition that
appropriate source and copyright attribution is given in each case.</li>
<li>4.5 Save for where provided otherwise in these Terms, distributing, sharing, copying, posting, scanning, forwarding, selling, publishing, retransmitting or otherwise providing access to any part of the Content to anyone without our
express prior written permission, is not authorised and may be a violation of national copyright laws.</li>
<li>4.6 Any request for permission to republish, reprint or use any articles from any of the Sites or our trade marks for any purpose other than those permitted under this Clause 3 (or any relevant Specific Terms) should be sent to
<a href="mailto:andrew.morgan@redmoneygroup.com">andrew.morgan@redmoneygroup.com</a>.</li>
<li>4.7 For the avoidance of doubt, where the provisions of any applicable law prohibit the extent to which certain activities can be restricted under this Clause 4, any such restrictions shall apply to the fullest extent permitted in
accordance with such law.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>5 Your Obligations</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>5.1 You represent and warrant that you have the capacity to agree to these Terms</li>
<li>5.2 You undertake that you will, and if you are a Subscriber, you will procure that any licensed user under your subscription will:<ul style="list-style-type: none;padding-left:20px;">
<li>a. comply with all applicable laws in relation to the Sites and Services, including without limitation, laws relating to the use of Intellectual Property.</li>
<li>b. not use the Sites or the Content outside the scope of permitted use under Clause 4 above, nor infringe any Intellectual Property or other rights in or relating to the Site or the Services or of any third party.</li>
<li>c. not copy, reproduce, recompile, decompile, disassemble, reverse engineer, upload, download, transmit, create derivative works from or otherwise exploit or tamper with any Site or, subject to Clause 15 (Software), any software
embodied in any Site or Service;</li>
<li>d. not prevent or restrict the use of any Site or Service by other authorised users nor hack into or cause damage to any server or other equipment operated by us; and</li>
<li>e. comply fully with these Terms (including, without limitation, the obligations set out in Clause 11 (Interactive Services), and any additional copyright notices and applicable Specific Terms).</li>
</ul>
</li>
<li>5.3 You are responsible for procuring the necessary equipment and the payment of telephone, internet, and other charges necessary to access and/or use any Site or Service. We are not responsible for the reliability or continued
availability of the telephone lines, internet, and equipment you use to access and/or use a Site or a Service.</li>
<li>5.4 Any Content sent for overseas delivery may be subject to import duties and taxes collected at the final destination. All sales or use taxes, import duties or additional customs charges must be borne entirely by you. We have no
control over these charges and we expressly disclaim any responsibility or liability for them. Customs policies vary widely from country to country, so you should contact your local customs office for further information.</li>
<li>5.5 Additionally, when ordering from us or any other Group Company, you are considered the importer of record and must comply with all law and regulations of the country in which you are receiving the goods. Our international
customers should be aware that cross-border deliveries are subject to opening and inspection by customs authorities. We may provide certain order, delivery, and product information (such as the product's title) to our international
carriers and such information may be communicated by the carriers to customs authorities in order to facilitate customs clearance and comply with local laws. If the order is a gift, the package will be marked ’Gift’ but the cost or
value of the item may still be stated on the customs form and/or the package.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>6 Our Obligations</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>6.1 Subject to and without limitation to Clause 16 (<em>Limitations of Liability</em>), we will exercise reasonable skill and care in our provision of the Services provided to Registered Users and Subscribers, but from time to time
faults may occur, in which case we will use reasonable efforts to repair them as soon as reasonably practicable.</li>
<li>6.2 We will endeavour to ensure all subscriptions or other Services are priced correctly on the Sites (or otherwise in the Content). However, errors may occur. If such a pricing error is discovered, we reserve the right to give you
the option of either cancelling your order for any particular subscription or other Service or reconfirming your order at the correct price.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>7 Registration and Subscriptions</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>7.1 In order to access certain Sites (or specific Content within certain Sites), and/or to receive certain Services, you must register with us as either a Registered User or a Subscriber, as follows:<ul
style="list-style-type: none;padding-left:20px;">
<li>a. certain Sites, Content and/or Services are available free of charge once you register with us, in which case you may access or receive them on these Terms as a Registered User; or</li>
<li>b. charges are payable for receipt of certain Services (which may include access to certain Sites and Content), in which case you may receive such Services on these Terms as a Subscriber who has paid the relevant charges (in
accordance with Clause 8 (Subscription Charges and Refund Policy) for a specified period of time, and either a specified number of licensed users or a site licence.</li>
</ul>
</li>
<li>7.2 In order to register with us, you must provide us with accurate and complete information. It is your responsibility to inform us of any changes to that information (including, without limitation, your email address), by updating
your details on the relevant section of the applicable Site or contacting us using contact details on the applicable Site. If you do not provide accurate and complete information when you register, we may not be able to provide the
Services or Content that you request or that are suitable to you.</li>
<li>7.3 In some cases, before you can make use of certain Services associated with a particular Site as a Registered User, you may need to create an account connected through Connected Networks. You understand that the creation of a
Registered User account through the Connected Networks will require a connection to be created between the Site and the Connected Networks to facilitate your participation and activities on the Site.</li>
<li>7.4 When you register, you will be given one or more usernames and passwords, as appropriate for your registration or subscription to the relevant Site or Service.</li>
<li>7.5 Except to the extent a username and password is intended for more than one licensed user as agreed by us in writing, the following are not permitted:<ul style="list-style-type: none;padding-left:20px;">
<li>a. any Registered User, Subscriber or licensed user under any subscription sharing their username and password with any other person or entity, including with any Agent of such user; nor</li>
<li>b. access through a single username and password being made available to multiple users on a network.</li>
</ul>
</li>
<li>7.6 To the extent that the terms of a multiple-user licence restricts licensed users to a particular category of individuals (e.g. employees of your organization), you must notify us immediately, using the customer service contact
details applicable to your subscription (as detailed at the end of these Terms), if a licensed user ceases to fall within the category specified.</li>
<li>7.7 Notwithstanding the restrictions in Clause 7.5 above, you are responsible for all access and use of any Site or Service by you or anyone else using any of your user names and passwords and for preventing unauthorised use of any of
your user names and passwords. If you believe there has been any breach of security (such as the disclosure, theft or unauthorised use of any username, password, or any payment information), you must notify us immediately by emailing
<a href="mailto:andrew.morgan@redmoneygroup.com">andrew.morgan@redmoneygroup.com</a>.</li>
<li>7.8 We reserve the right to access and monitor password-protected information, including any information which you upload or input and any information concerning your activities in relation to a Service or a Site or any Content, in
order to fulfil our obligations in these Terms, to protect or comply with our legal rights and obligations and for other purposes as set out in our privacy statement and all in accordance with the terms of our privacy statement. We may
also use cookies and similar technical tools as set out in our privacy statement to collect information about your visit to our Sites and display advertisements that may be of interest to you and for such other purposes as are set out
in our privacy statement </li>
<li>7.9 As a Registered User and/or Subscriber, you agree we may refer to the name of your business and to the Services we have provided to you when marketing our business.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>8 Subscription Charges and Refund Policy</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>8.1 Subscribers must pay certain charges in order to receive the relevant subscription Service (unless we agree otherwise for a trial period). In most cases, details of applicable charges can be found on the specific Sites relating to
the relevant subscription Service. Where charges are not published on a Site, the applicable charges will be as agreed between you and us. All payments (including any applicable taxes) must be made in any currency that we may specify.
We may direct you to make payments to another Group. If we do not receive payment for any charges due, we may immediately suspend your rights in relation to the relevant Service (including any relevant Site and/or Content). You are
responsible for the payment of all charges associated with the use of the Service, Site and/or Content using your username and password.</li>
<li>8.2 If we cancel your rights in relation to any subscription Service due to you being in breach of these Terms, no refund will be offered.</li>
<li>8.3 If you cancel your subscription to any Service prior to the end of the subscription period, you will be offered a credit note for the pro rata rate less US$250 administration and processing fee.</li>
<li>8.4 Without prejudice to Clause 1.3 above, the parts of the Sites showing Services or other products and services for purchase are intended as advertisements only and shall not constitute offers to sell those Services, products or
services by us, our Sponsors or any of our divisions. All advertised prices for such products or services are subject to change without notice. See also Clause 14 (Advertisements, Links and Third-Party Transactions) below in relation to
third party products and services.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>9 Term and Cancellation</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>9.1 With the exception of subscription Services where a Subscriber loses access on expiration of their subscription, use of and access to the Sites and Services is not subject to any particular time limits.</li>
<li>9.2 As a Visitor, you may cancel your access to and use of any Site (or receipt of any related Service) on these Terms at any time by discontinuing to access and use that Site and associated Content.</li>
<li>9.3 As a Registered User, you may cancel your registration at any time by electronic notice to us using the contact information on the relevant Site or otherwise notified to you.</li>
<li>9.4 You may cancel your subscription on no less than thirty (30) days' notice to us by post or email to take effect at any time after the end of the Minimum Term using the customer service contact details applicable to your
subscription as detailed at the end of these Terms. You should quote the subscription reference number. There may be a period after the date of cancellation during which you continue to receive publications sent to you as part of your
subscription. However, you will not be charged for such publications. For the avoidance of doubt, you shall not be entitled to cancel your subscription prior to the end of the Minimum Term.</li>
<li>9.5 We may cancel your (and, if you are a Subscriber, your licensed users') access to and use of any Site and Content and/or your receipt of any Service on these Terms (including, without limitation, any registration or subscription)
at any time: <ul style="list-style-type: none;padding-left:20px;">
<li>a. if you are a Registered User, by email notice to you; or</li>
<li>b. if you are a Subscriber, by email notice to you; or</li>
<li>c. if you are a Visitor or if you (or, if you are a Subscriber, any of your licensed users) commit a breach of any provision of these Terms, immediately without us having to provide notice to you.</li>
</ul>
</li>
<li>9.6 To the extent that the Specific Terms for any subscription entitle you to download and store certain Content, upon cancellation of such subscription by either you or us, you agree to delete all such Content stored in your
possession or under your control within 30 days of cancellation, unless otherwise agreed with us in writing, or as required by applicable law. For the avoidance of doubt, where applicable law does require the retention of certain
Content beyond the 30 day period, you agree that it shall only be retained to the extent required under such law and shall not be used for commercial purposes.</li>
<li>9.7 Cancellation of your access to and use of any Site and Content and/or your receipt of any Service shall not affect any provision of this agreement which is expressly or by implication intended to come into effect or to continue in
effect after such cancellation or expiry</li>
<li>9.8 Cancellation of your access to and use of any Site and Content and/or your receipt of any Service on these Terms (including, without limitation, any registration or subscription), shall not affect our right to receive any
outstanding sums due to us at the date of cancellation, which sums shall be payable within fifteen (15) days of such cancellation.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>10 Content by Email</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>10.1 We may give you the option to request Content by email. We, our Group Companies, or our Third-Party Service providers will also send you emails to keep you updated on developments in the Sites and Services. Your registration for
and/or subscription to such an email Service and your use of the Content received through these email Services will be subject to these Terms. Subject to Clause 10.2, you can unsubscribe to our email Service by changing your email
preferences on the relevant Site.</li>
<li>10.2 For the avoidance of doubt, although you may opt out of receiving promotional messages under Clause 10.1, we retain the right to send you informational email messages about your account or administrative notices regarding the
Site, as permitted under applicable laws.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>11 Interactive Services</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>11.1 A Site and/or a Social Media Page may contain Interactive Areas including Posted Material. We do not control and are not responsible for Posted Material and as a result, cannot guarantee the veracity or accuracy of any Posted
Material. All use of the Interactive Areas is at your risk and you should not rely on Posted Material in any way.</li>
<li>11.2 You hereby grant us, and, if you are a Subscriber, agree to procure the grant to us by all licensed users under your subscription of, a non-exclusive, perpetual, royalty-free licence to use, reproduce, modify and/or sub-license
all or part of your Posted Material, including to sub-license Group Companies or third parties to use the same. We may without notice to you or any third party delete, move, or edit any Posted Material or part of it.</li>
<li>11.3 To the extent permitted under applicable law, you hereby waive, and, if you are a Subscriber, agree to procure the waiver by all licensed users under your subscription of, all moral rights or rights of a similar nature in any
jurisdiction in any Posted Material.</li>
<li>11.4 You are responsible for the content of your Posted Material and you may not within the Interactive Areas or otherwise in relation to a Service or a Site (including, without limitation, any email Service), post, publish, link to,
upload, download, send, distribute, use or re-use any information or material:<ul style="list-style-type: none;padding-left:20px;">
<li>a. which is or could be taken to be the provision of advice (including, without limitation, investment advice) or a recommendation to buy or refrain from buying a particular Investment or which has the purpose of affecting the
price or value of any Investment;</li>
<li>b. obtained in breach of confidence or which contains confidential information or infringes any Intellectual Property rights or rights of privacy or other rights of any third party.</li>
<li>c. which is offensive, threatening, abusive, indecent, defamatory, obscene, degrading or menacing, or is otherwise contrary to applicable law or regulation or promoting an illegal act.</li>
<li>d. which constitutes unsolicited advertising or promotional material, including but not limited to any chain emails, unsolicited commercial emails, unsolicited bulk email, "spam" or mail bombs; or</li>
<li>e. which constitutes or contains a virus or other harmful component or malware.</li>
</ul>
</li>
<li>11.5 Without prejudice to Clause 11.4 above, you may not:<ul style="list-style-type: none;padding-left:20px;">
<li>a. use any Interactive Area to carry out criminal, fraudulent or illegal activities.</li>
<li>b. use any Interactive Area to impersonate any person, company, group, or entity or misrepresent a relationship to or with any of the same.</li>
<li>c. disguise the origin of any message posted in any Interactive Area; nor</li>
<li>d. collect, store, disclose or otherwise process any personal data in relation to your use of any Interactive Area without the knowledge of the relevant individual or in breach of applicable data protection laws.</li>
</ul>
</li>
<li>11.6 You must comply with any additional rules which may, from time to time, be issued by us at particular sections of the Interactive Areas, and such rules shall be deemed incorporated into these Terms.</li>
<li>11.7 By accessing the Interactive Areas, you agree to indemnify and hold us harmless against all claims, damages, costs and expenses (including legal and other professional fees) which we may incur as a result of any of your Posted
Material.</li>
<li>11.8 We reserve the right to remove Posted Material at any time, for any reason, and without notice, including without limitation for any failure to comply with the provisions of this Clause 11. If any Posted Material fails to comply
with the provisions of this Clause 11, we reserve the right to prevent you from accessing the Interactive Areas. Notwithstanding the foregoing, we are under no obligation to review, monitor, delete or edit Posted Material on a regular
basis.</li>
<li>11.9 Our Representatives may also submit Posted Material to the Interactive Areas. In doing so, Representatives shall act in a personal capacity and any views they might express shall not be considered our views nor the views of a
financial or other professional advisor.</li>
<li>11.10 Where Clauses 11.1 to 11.9 apply to a Social Media Page, such Clauses shall be subject to the terms and conditions of use of the third-party site, application and/or service on which such Social Media Page appears.</li>
<li>11.11 Notice for Claims of Copyright Violations If you are accessing our Sites as a Subscriber or Registered User, we reserve the right, in appropriate circumstances and at our discretion, to cancel your right of access to the Sites
if you repeatedly infringe the Intellectual Property.<br><br>For the avoidance of doubt, the process set out in this Clause 11.11 should only be used to report a claim of copyright infringement. Messages related to other matters will
not receive a response through this process.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>12 Electronic Books</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>12.1 Subject to Clause 4, if you purchase an Electronic Book from one of the Sites, you are granted a non-exclusive right to: <ul style="list-style-type: none;padding-left:20px;">
<li>a. download the Electronic Book for storage and display in machine-readable form on no more than three devices: and </li>
<li>b. obtain a single printout of the Electronic Book. </li>
</ul>
</li>
<li>12.2 Electronic Books are non-refundable, save for where the wrong product was provided to you due to our error. </li>
</ul>
<ul style="list-style-type: none">
<li><strong>13 Linking</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>13.1 You may create a link from your website to the home page provided that you contact us and provided that you do not link to the Site from any website containing any material which would be in breach of Clauses 5.3(b) to 5.3(e)
above or which is otherwise unlawful.</li>
<li>13.2 Deep Linking or Framing is not permitted without our express prior written permission. You must seek and obtain our express prior written permission before Deep Linking or Framing the Site or any Content by contacting us and
providing us with: <ul style="list-style-type: none;padding-left:20px;">
<li>a.your name, email address and telephone number.</li>
<li>b.the name of your company.</li>
<li>c.the web address(es) where the proposed Deep Linking or Framing will occur; and</li>
<li>d.specific details about the contemplated Deep Linking or Framing.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>14 Advertisements, Links and Third-Party Transactions</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>14.1 A Site or a Service may contain:<ul style="list-style-type: none;padding-left:20px;">
<li>a. links to External Sites. We shall endeavour to highlight such links although some External Sites may be co-branded with ours. External Sites may advertise or provide the opportunity for you to purchase Third Party
Services; and/or</li>
<li>b. advertisements for, and/or the opportunity for you to purchase Third Party Services or products or services from us or our Group Companies.</li>
</ul>
</li>
<li>14.2 The content of External Sites and Third-Party Services is not maintained or controlled by us and we are therefore not responsible for the availability, content or accuracy of External Sites or Third-Party Services. We do
not (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, a Site or Service; (b) guarantee the accuracy, completeness, usefulness or adequacy of External Sites or Third Party
Services; or (c) make any endorsement, express or implied, of any External Sites or Third Party Services. Any advertisement or promotion on a Site of a Third-Party Service is not an inducement by us for you to enter into any
agreement with the relevant third party.</li>
<li>14.3 Any communications or contracts relating to Third Party Services, payment for and delivery of Third-Party Services, and any other associated terms, conditions, warranties, or representations are exclusively between you
and the relevant third parties. You agree not to hold us liable for any loss or damage incurred as the result of any such contracts, communications or other dealings or the presence of such third parties on any Site.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>15 Software</strong>
<p style="list-style-type: none;padding-left:10px;">The Software belongs to us or our suppliers. Your use of the Software is governed by the terms of any licence agreement that may accompany or be included with the Software. Do not
install or use any Software unless you agree to such licence agreement.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>16 Limitations of Liability</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>16.1 Nothing in these Terms shall exclude or limit our liability for fraud or intentional unlawful conduct by us, or death or personal injury resulting from our negligence and the remaining provisions of this Clause 16, shall
be subject to this provision.</li>
<li>16.2 DISCLAIMER: without prejudice to the remaining provisions of this clause 16, you agree that your use of any content is at your sole risk and acknowledge that all sites, content and services are provided “as is” and “as
available”. The content is made available for your general information and any advice, opinion, statement, or other information forming part of the content is not intended for trading or to address your particular requirements.
The content does not constitute any form of advice, recommendation or arrangement by us (including, without limitation, investment advice or an offer or solicitation to buy or sell any security, financial product or other
investment) and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions. Appropriate independent advice should be obtained before making any such decision. All
information furnished pursuant to these Terms is obtained by RMG from sources believed by it to be accurate and reliable. However, because of the possibility of human and mechanical error as well as other factors, all
information is provided “AS IS“ without warranty of any kind. The content may include inaccuracies or typographical errors. Changes are periodically made to the content. Save as provided in these terms, neither we nor our
licensors and/or Representatives (as defined in clause 2.17 above) make any representations or warranties and, to the fullest extent allowed by law, exclude all implied warranties (including, but not limited to, warranties of
satisfactory quality, title and fitness for a particular purpose) regarding (a) the suitability of the information; (b) the accuracy, availability, reliability, completeness or timeliness of the sites, content or services; or
(c) the results obtained from accessing and using any site, service or content. Further, we do not represent or warrant that (a) the functions contained in the sites or services will be uninterrupted or error-free; (b) defects
will be corrected; (c) the sites, the services or the servers that make them available are free of viruses or other harmful components; nor (d) the use of any of the content will not infringe the intellectual property rights of
any third party.</li>
<li>16.3 Neither we, nor any Representatives will be liable to you or any other person or entity for:<ul style="list-style-type: none;padding-left:20px;">
<li>a. any incidental, punitive, indirect, special or consequential damage, loss or expenses, including but not limited to any loss of business, contracts, revenue, or profits, any business interruption, security breach, loss
of data, loss of goodwill or reputation or other pecuniary loss suffered by you, even if we or any of our Representatives have been advised of their possible existence; nor</li>
<li>b. any direct damage loss or expenses arising from loss of customers, loss of profits, loss of anticipated profits or loss of savings security breach or loss of data.</li>
</ul>
</li>
<li>16.4 Without prejudice to Clause 16.3, neither we nor any Representative shall be liable to you or any other person or entity for any direct or indirect damage, loss or expenses suffered by you as a result of:<ul
style="list-style-type: none;padding-left:20px;">
<li>a. any viruses, worms, "Trojan horses" or similar programs, denial of service attack, spamming or hacking or consequential damages or any claim against us by any other party; or</li>
<li>b. any fault, inaccuracy, omission, delay or any other failure in a Site or a Service caused by your computer equipment or arising from your use of the Service on such equipment; or</li>
<li>c. any inaccuracies or errors in or omissions from any Content including, but not limited to, quotes and financial data; or</li>
<li>d. any delays, interruptions or short-term or immaterial errors in the transmission or delivery of any Site or a Service; or</li>
<li>e. any additions, deletions or changes made to the Content at any time.</li>
</ul>
</li>
<li>16.5 Without prejudice to Clauses 16.3 and 16.4 and except where you are a Subscriber who has paid the relevant subscription charges, neither we nor any Representative shall be liable to you or any other person or entity for
any direct or indirect loss, damage or expenses arising by any reason of non-performance by us of these Terms or any other term of our agreement with you.</li>
<li>16.6 Without prejudice to Clause 25 below, to the extent that the provisions of any applicable law shall impose restrictions on the extent to which liability can be excluded under these Terms relating to the requirement of
reasonableness, the exclusions set out in this Clause 16 shall be limited in accordance with such restrictions. However, any exclusions of liability that are not affected by such restrictions shall remain in full force and
effect.</li>
<li>16.7 Without prejudice to the limitation of liability provisions above, in the event that you incur any loss, damage or expense arising out of your use of any Site, Content or a Service, you agree that our or any
Representative’s liability to you shall be limited to the sum of the subscription fees payable by you for Services provided in the twelve (12) month period preceding the date on which the claim arose (which, for the avoidance of
doubt, shall not include (a) any fees paid during such period for Services provided before such period, nor (b) any fees paid in advance during such period for Services provided after such period).</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>17 Indemnity</strong>
<p style="padding-left:10px;font-size:12px">You agree to indemnify and hold us, our Representatives, licensors and sub-contractors harmless against all costs, claims, damages, liability and expenses (including any professional fees)
which we might incur by reason of a breach by you of these Terms including, without limitation, any of the warranties, representations and undertakings in Clauses 5 (Your obligations) and 10 (Content by email) above. For the
avoidance of doubt, this indemnity shall extend (without limitation) to any losses which we may suffer as a result of the use by third parties of your user name and password, except in circumstances where you can demonstrate to
our satisfaction that such third party obtained the relevant details through no fault (including, without limitation, negligence) of your own.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>18 Changes to These Terms</strong>
<p style="padding-left:10px;font-size:12px">We may make amendments to the provisions of these Terms from time to time. Any amended Terms will be notified to you by being posted on the Sites and material changes will be emailed to
our Registered Users and Subscribers. It is your responsibility to refer regularly to these Terms and note any amendments. Amendments will come into effect immediately on the amended Terms being posted on the Sites and you will be
deemed to have accepted them if you access a Site after that time. If you do not wish to accept them, you must cancel these Terms as described above.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>19 Changes to Content</strong>
<p style="padding-left:10px;font-size:12px">We reserve the right to delete or change any aspect of the Content, the Interactive Areas, the Site and/or any of the technical specifications or any aspect of the same. You agree and
acknowledge that such changes may result in you being unable to access the whole or any part of a Site.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>20 No Waiver</strong>
<p style="padding-left:10px;font-size:12px">Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>21 Entire Agreement</strong>
<p style="padding-left:10px;font-size:12px">These Terms (including any terms incorporated by reference in these Terms), constitute the entire agreement between you and us with respect to your access to and use of any Site or receipt
of any Service and supersede all prior agreements, negotiations and discussions between you and us relating to the same. Without prejudice to Clause 16.2 above, we exclude any representations and warranties previously given or
made in relation to the same.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>22 Law and Jurisdiction</strong>
<p style="padding-left:10px;font-size:12px">Where you visit, register and/or subscribe to a RMG Site or related Service (as indicated on the Site or otherwise notified to you), these Terms (and any dispute or claim arising out of or
in connection with these terms, including non-contractual disputes or claims), to the maximum extent permissible under the law of the territory that you are located in, will be governed by the laws of Malaysia and will be subject
to the non-exclusive jurisdiction of the Malaysian courts.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>23 Force Majeure</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>23.1 We shall not be deemed to be in breach of these Terms by reason of any delay in performing, or any failure to perform any service or our obligations in relation to these Terms, if the delay or failure was due to any cause
beyond our reasonable control, including but not limited to acts of God, explosions, floods, fire or accident, war or threat of war, terrorism or threat of terrorism, sabotage, civil disturbance, epidemics, prohibitions or
measures of any kind on the part of any governmental, parliamentary or local authority, import or export regulations or embargoes, or industrial actions or trade disputes (whether involving our employees or of third parties).
</li>
<li>23.2 In the event we are so hindered or prevented, we shall take reasonable steps to give notice of suspension as soon as reasonably possible to Subscribers and Registered Users, stating the date and extent of the suspension
and its cause. We shall resume the performance of those obligations that have been suspended as soon as reasonably possible after the removal of the cause. In the event that the cause continues for more than one (1) month we
shall refund you for any subscription charges you have paid in advance for any suspended Service.</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>24 Assignment and Sub-Contracting</strong>
<ul style="list-style-type: none;padding-left:10px;">
<li>24.1 You may not assign, sub-license or otherwise transfer any of your rights under these Terms without our prior written consent.</li>
<li>24.2 We may assign, sub-contract or transfer any and all of our rights and obligations under these Terms to any Group Company or any entity who acquires a substantial part of the assets of our business without your prior
written consent.</li>
<li>24.3 Without prejudice to Clause 24.2, we may sub-contract delivery of a Service to any Group Company who operates the business relating to the relevant information, publication or data product forming part of that Service.
</li>
</ul>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>25 Severability</strong>
<p style="padding-left:10px;font-size:12px">If any provision of these Terms is found to be wholly or partially invalid, void or unenforceable by any court having competent jurisdiction or by virtue of any legislation or any other
reason, that provision shall be invalid, void or unenforceable to that extent only and no further and the validity and enforceability of the remaining provisions of these Terms shall not be affected.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>26 Notices</strong>
<p style="padding-left:10px;font-size:12px">Any notice which is required to be given pursuant to these Terms shall be made by email or post, in the case of you, to the address provided on your registration form and, in the case of
us, to the address posted on the relevant Site or otherwise notified to you in relation to any relevant Service. Any such notice shall be deemed to have arrived if sent by post within three (3) days of posting and if sent by email
at the time of transmission.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>27 Third Party Rights</strong>
<p style="padding-left:10px;font-size:12px">No term of these Terms is intended to be enforceable by any person other than you or us or any of our licensors.</p>
</li>
</ul>
<ul style="list-style-type: none">
<li><strong>28 Headings</strong>
<p style="padding-left:10px;font-size:12px">Headings in these Terms are for convenience only and will have no legal meaning or effect.</p>
</li>
</ul>
<div class="moody-rights-notice" style="margin:10px auto;">
<p style="font-size:12px;padding:5px;">REDmoney Sdn Bhd is a company registered in Malaysia under number 20040129487 whose registered office is at Suite 22-06, 22nd Floor, Menara Tan & Tan, 207 Jalan Tun Razak, 50400, Kuala
Lumpur, Malaysia</p>
</div>
<ul style="list-style-type: none;color:#0028a0;font-size:12px;">
<li><strong>29 Moody’s Terms & Conditions</strong>
<ul style="list-style-type: none;padding-left:10px;font-size:12px;">
<li>29.1 RESEARCH PUBLICATIONS PUBLISHED BY MOODY’S (“MOODY’S PUBLICATIONS”) MAY INCLUDE MOODY’S CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES. MOODY’S
OPINIONS INCLUDED IN MOODY’S PUBLICATIONS ARE NOT STATEMENTS OF CURRENT OR HISTORICAL FACT. MOODY’S PUBLICATIONS MAY ALSO INCLUDE QUANTITATIVE MODEL-BASED ESTIMATES OF CREDIT RISK AND RELATED OPINIONS OR COMMENTARY PUBLISHED BY
MOODY’S. MOODY’S PUBLICATIONS DO NOT CONSTITUTE OR PROVIDE INVESTMENT OR FINANCIAL ADVICE, AND MOODY’S PUBLICATIONS ARE NOT AND DO NOT PROVIDE RECOMMENDATIONS TO PURCHASE, SELL, OR HOLD PARTICULAR SECURITIES. MOODY’S
PUBLICATIONS DO NOT COMMENT ON THE SUITABILITY OF AN INVESTMENT FOR ANY PARTICULAR INVESTOR. MOODY’S PUBLISHES MOODY’S PUBLICATIONS WITH THE EXPECTATION AND UNDERSTANDING THAT EACH INVESTOR WILL, WITH DUE CARE, MAKE ITS OWN
STUDY AND EVALUATION OF EACH SECURITY THAT IS UNDER CONSIDERATION FOR PURCHASE, HOLDING, OR SALE. <br><br>MOODY’S PUBLICATIONS ARE NOT INTENDED FOR USE BY RETAIL INVESTORS AND IT WOULD BE RECKLESS FOR RETAIL INVESTORS TO
CONSIDER MOODY’S PUBLICATIONS IN MAKING ANY INVESTMENT DECISION. IF IN DOUBT YOU SHOULD CONTACT YOUR FINANCIAL OR OTHER PROFESSIONAL ADVISOR. </li>
<li><strong>29.2 Moody’s Rights to Content.</strong><br>Subscriber or Registered User agrees and acknowledges that the Moody’s Content and Moody’s Publications are and shall remain the valuable intellectual property owned by, or
licensed to, Moody’s Investors Service, Ltd. and/or its affiliates, (“Moody’s”) and that no proprietary rights are being transferred to Subscriber or Registered User in such materials or in any of the information contained
therein. Subscriber or Registered User agrees that misappropriation or misuse of such materials shall cause serious damage to Moody’s and that in such event money damages may not constitute sufficient compensation to Moody’s;
consequently, Subscriber or Registered User agrees that in the event of any misappropriation or misuse, Moody’s shall have the right to obtain injunctive relief in addition to any other legal or financial remedies to which
Moody’s may be entitled. You must be a Registered User or Subscriber to access any Moody’s Content and Moody’s Publications and Visitors are not permitted to access any such Content. Moody’s Content and Moody’s Publications are
licensed to RMG. Use of Moody’s Content and Moody’s Publications is subject to the additional terms and conditions set forth at https://www.moodys.com/Pages/globaldisclaimer.aspx and by your use of it, you agree to such terms
and conditions. Moody’s is a registered trademark. </li>
<li><strong>29.3 No Investment Advice </strong><br>Subscriber or Registered User expressly agrees, on behalf of itself and each other person or entity that it permits to use any Moody’s Content and Moody’s Publications ("User"),
that (a) the research and other opinions, and valuations, quotes, statistical, quantitative or other information contained in the Moody’s Content and Moody’s Publications are, and will be construed solely as, statements of
opinion and not statements of fact or recommendations to purchase, hold or sell any securities, (b) the Information will be weighed solely as one factor in any investment decision made by or on behalf of Subscriber or Registered
User or any User, and (c) it will accordingly make its own study and evaluation of each security, and of each issuer and guarantor of, and each provider of credit support for, each secur¬ity that it may consider purchasing,
holding or selling. Subscriber or Registered User agrees, on behalf of itself and each User, that (i) none of the research and other opinions, and valuations, quotes, statistical, quantitative or other information contained in
the Moody’s Content and Moody’s Publications, or any statements or disclosures by Moody’s to Subscriber or Registered User or a User regarding the foregoing, shall create any duty of care on the part of Moody’s or any Moody’s
Affiliate to Subscriber or Registered User, (ii) neither Moody’s nor any Moody’s Affiliate is acting as a financial adviser to Subscriber or Registered User, and (iii) none of the research and other opinions, and valuations,
quotes statistical, quantitative or other information contained in the Moody’s Content and Moody’s Publications (whether in oral or written form) or statements or other communications supplied by Moody’s or any of its employees,
representatives or agents shall constitute a representation or a warranty, or the provision of investment advice. </li>
<li><strong>29.4 Sanctions Compliance </strong><br>Subscriber or Registered User warrants that Subscriber or Registered User is familiar with, has complied with, and will comply, in all respects, with the laws and regulations
regarding the offering of unlawful or improper inducements (including the U.S. Foreign Corrupt Practices Act, as amended, and other anti-corruption and anti-bribery laws). Subscriber or Registered User warrants that neither
Subscriber or Registered User, nor any entity on whose behalf Subscriber or Registered User is acting, is owned or controlled by, nor does Subscriber or Registered User or such entity own or control, directly or indirectly, a
person or entity that is (i) on the list of Specially Designated Nationals and Blocked Persons maintained by the Office of Foreign Assets Control of the U.S. Department of the Treasury or the U.K. Consolidated Financial
Sanctions List maintained by Her Majesty’s Treasury; or (ii) subject to country sanctions imposed by the U.S. Government for any reason, including but not limited to being organized or headquartered in or a governmental entity
of a country or territory subject to such sanctions (currently Crimea, Cuba, North Korea, Iran, and Syria). Additionally, Subscriber or Registered User, or the entity on whose behalf Subscriber or Registered User is acting,
warrants that Subscriber or Registered User or such entity do not intend to and will not knowingly supply or use the Moody’s Content and Moody’s Publications to or for the benefit of any of the foregoing. Subscriber or
Registered User agrees to notify Moody’s if these circumstances change. For purposes of this provision, "owned" and "own" mean an interest of 50 percent or more and "control" means the right or ability to dictate the decisions,
actions, and/or policies of an entity or its management. If Subscriber or Registered User breaches this Section, in addition to any other rights or remedies Moody’s may have, Moody’s may immediately terminate Subscriber or
Registered User’s access to the Moody’s Content and Moody’s Publications. </li>
</ul>
</li>
</ul>
</li>
</ul>
</li>
</ul>
</div>
</div>
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* MALAYSIA: AmBank Islamic contributes RM498,000 (US$117,619) in business Zakat
to Amanah Ikhtiar Malaysia to cushion COVID-19 financial impact
* MALAYSIA: Sunway Treasury Sukuk prints RM125 million (US$29.63 million)
Islamic commercial paper
* MALAYSIA: Bank Negara Malaysia issues two Shariah papers totaling RM24.57
billion (US$5.82 billion)
* MALAYSIA: Bermaz Auto sells RM100 million (US$23.7 million) Islamic
commercial paper
* BANGLADESH: Bangladesh Bank auctions two Bangladesh Government Islami
Investment Bonds
* NIGERIA: Nigerian government launches fourth sovereign Sukuk in hopes of
raising NGN250 billion (US$606.95 million) to fund critical road projects
* MALAYSIA: Pheim Unit Trusts rolls out three Islamic funds
* MALAYSIA: MARC affirms ‘AA-IS’ rating on Evyap Sabun Malaysia’s RM500 million
(US$118.09 million) Sukuk Wakalah program
* MALAYSIA: Cellco Capital maintains ‘MARC-1IS/AAIS’ Sukuk ratings
* MALAYSIA: MARC affirms ‘AAIS’ rating on ANIH’s RM2.5 billion (US$590.47
million) senior Sukuk Musharakah program
* MALAYSIA: Ministry of Finance approves Bank Pertanian Malaysia’s agrofood
Takaful protection scheme
* BAHRAIN: Crypto-asset trading platform CoinMENA integrates Chainlink Price
Feeds to enhance transparency
* MALAYSIA: MARC withdraws ‘AAAIS’ rating on Tenaga Nasional’s RM2 billion
(US$472.36 million) Sukuk facility following full redemption
* GLOBAL: Boubyan Bank enters agreement with DIFC FinTech Hive to set up
accelerator program
* GLOBAL: Bahrain Bourse and Abu Dhabi Securities Exchange agrees on new
measures to enhance liquidity and efficiency in respective capital markets
* UK: Peer-to-peer investment platform Nester enters market with two Shariah
compliant products
* MALAYSIA: Bursa Malaysia updates Corporate Governance Guide
* PHILIPPINES: Bangko Sentral ng Pilipinas signs MoU with AAOIFI to promote
Islamic banking in the Philippines; may adopt AAOIFI standards
* AUSTRALIA: Hejaz Financial Services announces three key hires
* SAUDI ARABIA: SNB Capital appoints Al-Andalus Property Company as developer
for Alandalus Mall project
* GLOBAL: Abu Dhabi Islamic Bank extended over AED1 billion (US$272.21 million)
in UK commercial real estate financing during 2021
* MALAYSIA: MyMy releases prepaid card and app features in preparation of beta
testing
*
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The synergy between Islamic and Sustainable investing is vast and their
convergence inevitable. ESG Sukuk reached US$4.6 billion in 2020 and all signs
point toward massive, continued growth as demand increases. As demand grows, the
need for innovation is high. New investment products and opportunities are
required and that only means one thing – Thought Leadership.
IFN is delighted to bring you the IFN Islamic Sustainable Investing Thought
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opportunities from the industry’s leaders and innovators. Coupled with
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REPORT'S CONTENT
EDITOR'S NOTE: Act now!Many powerful quotes emerged from COP26 (2021 United
Nations Climate Change Conference), which I found to have resonated with the
Islamic sustainable finance movement, which extends well beyond climate
change...
Read More
COVER STORY: Sustainability: The future of Islamic financeThe call for finance
to be a force for good has become more urgent than ever, and the Islamic finance
industry is heeding that call. Despite practitioners often being quick to point
out the similarities between it and the sustainable finance movement...
Read More
Islamic finance and sustainabilityThe flagship event of 2021, the United Nations
Climate Change Conference (COP26), hosted in Glasgow in the UK, ended recently.
It was the 26th climate change conference that attracted political...
Report Download in PDF
Islamic sustainable finance and the IFSB initiativesThe cardinal triad of
sustainable finance: environmental, social and governance (ESG) aligns with the
fundamental objectives of the Shariah upon which Islamic finance is premised.
The inherent attributes of Shariah...
Report Download in PDF
ESG implementation challenges and risk factors to the Islamic financial services
industryThe political, business and financial leaders and policymakers around
the world are now either looking into or aggressively working on plans to reduce
carbon emissions to net zero by 2050...
Report Download in PDF
ICIEC ReportTwo of the unintended consequences of the COVID-19 pandemic have
been the acceleration toward digitization in financial services and a redoubling
of initiatives toward sustainable investment...
Report Download in PDF
Integrating sustainable development goals into Islamic financeThis statement
succinctly summarizes the Islamic approach to development: steady and consistent
progress rather than quick and abrupt growth. “Haste makes waste,”...
Report Download in PDF
Beyond net zero: People, nature and climateEmbracing a ‘beyond net zero’
strategy means we have an opportunity to protect not only climate but people and
the natural world. The collapse of our ecosystems, climate change...
Report Download in PDF
Climate Governance Malaysia ReportThe massive build-up of ambition, expectations
and momentum prior to the two-week Conference of the Parties to the United
Nations Framework Convention on Climate Change in Glasgow (COP26)...
Report Download in PDF
How ESG enhances Islamic asset management in the ‘year of the
taxonomy’Responsible finance encompasses everything from socially responsible
investing (SRI), environmental, social and governance (ESG) and Islamic finance.
Despite the growth...
Report Download in PDF
Structuring SukukThe synergies between sustainable and ethical finance on the
one hand and broadly Islamic finance on the other are clear and well
established. Given that both of these topics...
Report Case Study Podcast Advertisement Download in PDF
Bursa Malaysia ReportHow have you articulated and implemented a sustainability
strategy at Bursa Malaysia? Who are the key stakeholders and what factors are
critical for success...
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Cagamas: Sustainability at its coreInternationally recognized for its robust
pioneering model, Cagamas, the National Mortgage Corporation of Malaysia, serves
as a special vehicle to support the national home ownership agenda by supporting
financial institutions with competitively...
Case Study Podcast Advertisement Download in PDF
CIMB Islamic ReportThe flagship event of 2021, the United Nations Climate Change
Conference (COP26), hosted in Glasgow in the UK, ended recently. It was the 26th
climate change conference that attracted political and business leaders
representing 190 countries...
Report Advertisement Download in PDF
The path from COP26: The role of Islamic finance in transition financingAs the
26th United Nations Climate Change Conference of the Parties (COP26) drew to a
close in mid-November of this year, UN Secretary General Antonio Guterres
warned...
Report Podcast Advertisement Download in PDF
The rise of green and sustainable Sukuk and the road aheadThe link between the
world of ethical finance and Islamic finance is strong. In fact, the origins of
the modern Islamic finance industry, which started off in the 1970s...
Report Case Study Case Study Podcast Advertisement Company Profile Download in
PDF
Impact measurement, rating and exchange through IBF social cryptosFrom the
standpoint of investors, impact is an additional dimension in investment
decision-making in addition to risk and expected returns. In the case of donors
too...
Report Podcast Advertisement Download in PDF
The changing ESG landscape and our part in itThe term ESG [environmental, social
and governance] is frequently mentioned these days, but what exactly does it
mean? Perhaps a decade ago, it would seem almost performative to have ESG...
Report Advertisement Download in PDF
Luxembourg: A global hub for the development of sustainable Islamic financial
solutionsIslamic finance strives for fairness, the empowerment of all
stakeholders, the pursuit of ethical practices and social responsibility —
values that sit at the heart of the growing...
Report Advertisement Download in PDF
The evolution of Islamic finance: Making the case for Islamic finance as a
sustainable and responsible investing alternativeThe last 22 months since the
outbreak of COVID-19 that started in China which rapidly evolved into a
global-wide pandemic have seen unprecedented disruption...
Report Download in PDF
Sustainable finance: New markets for Islamic financeThe combination of global
crises from climate change to the COVID-19 pandemic, combined with a new
political urgency reflected at COP26 [2021 United Nations Climate Change
Conference] in Glasgow...
Report Podcast Advertisement Download in PDF
The overlap between ESG and Islamic investment, and the opportunitiesThis
article looks at the similarities between environmental, social and governance
(ESG) investing and Islamic investment, and secondly how specific ESG-oriented
projects...
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The PRI and responsible investmentThe rise in responsible investment is
irrefutable. Its development has spanned decades from the 1970s when strong
voices for responsible corporate practices began to influence the global
discourse...
Report Case Study Case Study Download in PDF
Combining ESG and Islamic finance principles in an index frameworkIslamic
finance and environmental, social, and governance (ESG) investing are
complementary in many ways and hold a number of shared principles. Though
broader in nature...
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Sustainable Islamic supply chain: Going the extra mile in supporting the Halal
trade ecosystemThe Halal industry is witnessing an exponential growth with
various projections stating the Halal economy as a multitrillion dollar
opportunity...
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agree that it shall only be retained to the extent required under such law
and shall not be used for commercial purposes.
* 9.7 Cancellation of your access to and use of any Site and Content and/or
your receipt of any Service shall not affect any provision of this
agreement which is expressly or by implication intended to come into effect
or to continue in effect after such cancellation or expiry
* 9.8 Cancellation of your access to and use of any Site and Content and/or
your receipt of any Service on these Terms (including, without limitation,
any registration or subscription), shall not affect our right to receive
any outstanding sums due to us at the date of cancellation, which sums
shall be payable within fifteen (15) days of such cancellation.
* 10 Content by Email
* 10.1 We may give you the option to request Content by email. We, our Group
Companies, or our Third-Party Service providers will also send you emails
to keep you updated on developments in the Sites and Services. Your
registration for and/or subscription to such an email Service and your use
of the Content received through these email Services will be subject to
these Terms. Subject to Clause 10.2, you can unsubscribe to our email
Service by changing your email preferences on the relevant Site.
* 10.2 For the avoidance of doubt, although you may opt out of receiving
promotional messages under Clause 10.1, we retain the right to send you
informational email messages about your account or administrative notices
regarding the Site, as permitted under applicable laws.
* 11 Interactive Services
* 11.1 A Site and/or a Social Media Page may contain Interactive Areas
including Posted Material. We do not control and are not responsible for
Posted Material and as a result, cannot guarantee the veracity or accuracy
of any Posted Material. All use of the Interactive Areas is at your risk
and you should not rely on Posted Material in any way.
* 11.2 You hereby grant us, and, if you are a Subscriber, agree to procure
the grant to us by all licensed users under your subscription of, a
non-exclusive, perpetual, royalty-free licence to use, reproduce, modify
and/or sub-license all or part of your Posted Material, including to
sub-license Group Companies or third parties to use the same. We may
without notice to you or any third party delete, move, or edit any Posted
Material or part of it.
* 11.3 To the extent permitted under applicable law, you hereby waive, and,
if you are a Subscriber, agree to procure the waiver by all licensed users
under your subscription of, all moral rights or rights of a similar nature
in any jurisdiction in any Posted Material.
* 11.4 You are responsible for the content of your Posted Material and you
may not within the Interactive Areas or otherwise in relation to a Service
or a Site (including, without limitation, any email Service), post,
publish, link to, upload, download, send, distribute, use or re-use any
information or material:
* a. which is or could be taken to be the provision of advice (including,
without limitation, investment advice) or a recommendation to buy or
refrain from buying a particular Investment or which has the purpose of
affecting the price or value of any Investment;
* b. obtained in breach of confidence or which contains confidential
information or infringes any Intellectual Property rights or rights of
privacy or other rights of any third party.
* c. which is offensive, threatening, abusive, indecent, defamatory,
obscene, degrading or menacing, or is otherwise contrary to applicable
law or regulation or promoting an illegal act.
* d. which constitutes unsolicited advertising or promotional material,
including but not limited to any chain emails, unsolicited commercial
emails, unsolicited bulk email, "spam" or mail bombs; or
* e. which constitutes or contains a virus or other harmful component or
malware.
* 11.5 Without prejudice to Clause 11.4 above, you may not:
* a. use any Interactive Area to carry out criminal, fraudulent or illegal
activities.
* b. use any Interactive Area to impersonate any person, company, group, or
entity or misrepresent a relationship to or with any of the same.
* c. disguise the origin of any message posted in any Interactive Area; nor
* d. collect, store, disclose or otherwise process any personal data in
relation to your use of any Interactive Area without the knowledge of the
relevant individual or in breach of applicable data protection laws.
* 11.6 You must comply with any additional rules which may, from time to
time, be issued by us at particular sections of the Interactive Areas, and
such rules shall be deemed incorporated into these Terms.
* 11.7 By accessing the Interactive Areas, you agree to indemnify and hold us
harmless against all claims, damages, costs and expenses (including legal
and other professional fees) which we may incur as a result of any of your
Posted Material.
* 11.8 We reserve the right to remove Posted Material at any time, for any
reason, and without notice, including without limitation for any failure to
comply with the provisions of this Clause 11. If any Posted Material fails
to comply with the provisions of this Clause 11, we reserve the right to
prevent you from accessing the Interactive Areas. Notwithstanding the
foregoing, we are under no obligation to review, monitor, delete or edit
Posted Material on a regular basis.
* 11.9 Our Representatives may also submit Posted Material to the Interactive
Areas. In doing so, Representatives shall act in a personal capacity and
any views they might express shall not be considered our views nor the
views of a financial or other professional advisor.
* 11.10 Where Clauses 11.1 to 11.9 apply to a Social Media Page, such Clauses
shall be subject to the terms and conditions of use of the third-party
site, application and/or service on which such Social Media Page appears.
* 11.11 Notice for Claims of Copyright Violations If you are accessing our
Sites as a Subscriber or Registered User, we reserve the right, in
appropriate circumstances and at our discretion, to cancel your right of
access to the Sites if you repeatedly infringe the Intellectual Property.
For the avoidance of doubt, the process set out in this Clause 11.11 should
only be used to report a claim of copyright infringement. Messages related
to other matters will not receive a response through this process.
* 12 Electronic Books
* 12.1 Subject to Clause 4, if you purchase an Electronic Book from one of
the Sites, you are granted a non-exclusive right to:
* a. download the Electronic Book for storage and display in
machine-readable form on no more than three devices: and
* b. obtain a single printout of the Electronic Book.
* 12.2 Electronic Books are non-refundable, save for where the wrong product
was provided to you due to our error.
* 13 Linking
* 13.1 You may create a link from your website to the home page provided
that you contact us and provided that you do not link to the Site from
any website containing any material which would be in breach of Clauses
5.3(b) to 5.3(e) above or which is otherwise unlawful.
* 13.2 Deep Linking or Framing is not permitted without our express prior
written permission. You must seek and obtain our express prior written
permission before Deep Linking or Framing the Site or any Content by
contacting us and providing us with:
* a.your name, email address and telephone number.
* b.the name of your company.
* c.the web address(es) where the proposed Deep Linking or Framing will
occur; and
* d.specific details about the contemplated Deep Linking or Framing.
* 14 Advertisements, Links and Third-Party Transactions
* 14.1 A Site or a Service may contain:
* a. links to External Sites. We shall endeavour to highlight such
links although some External Sites may be co-branded with ours.
External Sites may advertise or provide the opportunity for you to
purchase Third Party Services; and/or
* b. advertisements for, and/or the opportunity for you to purchase
Third Party Services or products or services from us or our Group
Companies.
* 14.2 The content of External Sites and Third-Party Services is not
maintained or controlled by us and we are therefore not responsible for
the availability, content or accuracy of External Sites or Third-Party
Services. We do not (a) make any warranty, express or implied, with
respect to the use of the links provided on, or to, a Site or Service;
(b) guarantee the accuracy, completeness, usefulness or adequacy of
External Sites or Third Party Services; or (c) make any endorsement,
express or implied, of any External Sites or Third Party Services. Any
advertisement or promotion on a Site of a Third-Party Service is not an
inducement by us for you to enter into any agreement with the relevant
third party.
* 14.3 Any communications or contracts relating to Third Party Services,
payment for and delivery of Third-Party Services, and any other
associated terms, conditions, warranties, or representations are
exclusively between you and the relevant third parties. You agree not
to hold us liable for any loss or damage incurred as the result of any
such contracts, communications or other dealings or the presence of
such third parties on any Site.
* 15 Software
The Software belongs to us or our suppliers. Your use of the Software is
governed by the terms of any licence agreement that may accompany or be
included with the Software. Do not install or use any Software unless you
agree to such licence agreement.
* 16 Limitations of Liability
* 16.1 Nothing in these Terms shall exclude or limit our liability for
fraud or intentional unlawful conduct by us, or death or personal
injury resulting from our negligence and the remaining provisions of
this Clause 16, shall be subject to this provision.
* 16.2 DISCLAIMER: without prejudice to the remaining provisions of this
clause 16, you agree that your use of any content is at your sole risk
and acknowledge that all sites, content and services are provided “as
is” and “as available”. The content is made available for your general
information and any advice, opinion, statement, or other information
forming part of the content is not intended for trading or to address
your particular requirements. The content does not constitute any form
of advice, recommendation or arrangement by us (including, without
limitation, investment advice or an offer or solicitation to buy or
sell any security, financial product or other investment) and is not
intended to be relied upon by users in making (or refraining from
making) any specific investment or other decisions. Appropriate
independent advice should be obtained before making any such decision.
All information furnished pursuant to these Terms is obtained by RMG
from sources believed by it to be accurate and reliable. However,
because of the possibility of human and mechanical error as well as
other factors, all information is provided “AS IS“ without warranty of
any kind. The content may include inaccuracies or typographical errors.
Changes are periodically made to the content. Save as provided in these
terms, neither we nor our licensors and/or Representatives (as defined
in clause 2.17 above) make any representations or warranties and, to
the fullest extent allowed by law, exclude all implied warranties
(including, but not limited to, warranties of satisfactory quality,
title and fitness for a particular purpose) regarding (a) the
suitability of the information; (b) the accuracy, availability,
reliability, completeness or timeliness of the sites, content or
services; or (c) the results obtained from accessing and using any
site, service or content. Further, we do not represent or warrant that
(a) the functions contained in the sites or services will be
uninterrupted or error-free; (b) defects will be corrected; (c) the
sites, the services or the servers that make them available are free of
viruses or other harmful components; nor (d) the use of any of the
content will not infringe the intellectual property rights of any third
party.
* 16.3 Neither we, nor any Representatives will be liable to you or any
other person or entity for:
* a. any incidental, punitive, indirect, special or consequential
damage, loss or expenses, including but not limited to any loss of
business, contracts, revenue, or profits, any business interruption,
security breach, loss of data, loss of goodwill or reputation or
other pecuniary loss suffered by you, even if we or any of our
Representatives have been advised of their possible existence; nor
* b. any direct damage loss or expenses arising from loss of customers,
loss of profits, loss of anticipated profits or loss of savings
security breach or loss of data.
* 16.4 Without prejudice to Clause 16.3, neither we nor any
Representative shall be liable to you or any other person or entity for
any direct or indirect damage, loss or expenses suffered by you as a
result of:
* a. any viruses, worms, "Trojan horses" or similar programs, denial of
service attack, spamming or hacking or consequential damages or any
claim against us by any other party; or
* b. any fault, inaccuracy, omission, delay or any other failure in a
Site or a Service caused by your computer equipment or arising from
your use of the Service on such equipment; or
* c. any inaccuracies or errors in or omissions from any Content
including, but not limited to, quotes and financial data; or
* d. any delays, interruptions or short-term or immaterial errors in
the transmission or delivery of any Site or a Service; or
* e. any additions, deletions or changes made to the Content at any
time.
* 16.5 Without prejudice to Clauses 16.3 and 16.4 and except where you
are a Subscriber who has paid the relevant subscription charges,
neither we nor any Representative shall be liable to you or any other
person or entity for any direct or indirect loss, damage or expenses
arising by any reason of non-performance by us of these Terms or any
other term of our agreement with you.
* 16.6 Without prejudice to Clause 25 below, to the extent that the
provisions of any applicable law shall impose restrictions on the
extent to which liability can be excluded under these Terms relating to
the requirement of reasonableness, the exclusions set out in this
Clause 16 shall be limited in accordance with such restrictions.
However, any exclusions of liability that are not affected by such
restrictions shall remain in full force and effect.
* 16.7 Without prejudice to the limitation of liability provisions above,
in the event that you incur any loss, damage or expense arising out of
your use of any Site, Content or a Service, you agree that our or any
Representative’s liability to you shall be limited to the sum of the
subscription fees payable by you for Services provided in the twelve
(12) month period preceding the date on which the claim arose (which,
for the avoidance of doubt, shall not include (a) any fees paid during
such period for Services provided before such period, nor (b) any fees
paid in advance during such period for Services provided after such
period).
* 17 Indemnity
You agree to indemnify and hold us, our Representatives, licensors and
sub-contractors harmless against all costs, claims, damages, liability
and expenses (including any professional fees) which we might incur by
reason of a breach by you of these Terms including, without limitation,
any of the warranties, representations and undertakings in Clauses 5
(Your obligations) and 10 (Content by email) above. For the avoidance of
doubt, this indemnity shall extend (without limitation) to any losses
which we may suffer as a result of the use by third parties of your user
name and password, except in circumstances where you can demonstrate to
our satisfaction that such third party obtained the relevant details
through no fault (including, without limitation, negligence) of your own.
* 18 Changes to These Terms
We may make amendments to the provisions of these Terms from time to
time. Any amended Terms will be notified to you by being posted on the
Sites and material changes will be emailed to our Registered Users and
Subscribers. It is your responsibility to refer regularly to these Terms
and note any amendments. Amendments will come into effect immediately on
the amended Terms being posted on the Sites and you will be deemed to
have accepted them if you access a Site after that time. If you do not
wish to accept them, you must cancel these Terms as described above.
* 19 Changes to Content
We reserve the right to delete or change any aspect of the Content, the
Interactive Areas, the Site and/or any of the technical specifications or
any aspect of the same. You agree and acknowledge that such changes may
result in you being unable to access the whole or any part of a Site.
* 20 No Waiver
Failure by either party to exercise any right or remedy under these Terms
does not constitute a waiver of that right or remedy.
* 21 Entire Agreement
These Terms (including any terms incorporated by reference in these
Terms), constitute the entire agreement between you and us with respect
to your access to and use of any Site or receipt of any Service and
supersede all prior agreements, negotiations and discussions between you
and us relating to the same. Without prejudice to Clause 16.2 above, we
exclude any representations and warranties previously given or made in
relation to the same.
* 22 Law and Jurisdiction
Where you visit, register and/or subscribe to a RMG Site or related
Service (as indicated on the Site or otherwise notified to you), these
Terms (and any dispute or claim arising out of or in connection with
these terms, including non-contractual disputes or claims), to the
maximum extent permissible under the law of the territory that you are
located in, will be governed by the laws of Malaysia and will be subject
to the non-exclusive jurisdiction of the Malaysian courts.
* 23 Force Majeure
* 23.1 We shall not be deemed to be in breach of these Terms by reason of
any delay in performing, or any failure to perform any service or our
obligations in relation to these Terms, if the delay or failure was due
to any cause beyond our reasonable control, including but not limited
to acts of God, explosions, floods, fire or accident, war or threat of
war, terrorism or threat of terrorism, sabotage, civil disturbance,
epidemics, prohibitions or measures of any kind on the part of any
governmental, parliamentary or local authority, import or export
regulations or embargoes, or industrial actions or trade disputes
(whether involving our employees or of third parties).
* 23.2 In the event we are so hindered or prevented, we shall take
reasonable steps to give notice of suspension as soon as reasonably
possible to Subscribers and Registered Users, stating the date and
extent of the suspension and its cause. We shall resume the performance
of those obligations that have been suspended as soon as reasonably
possible after the removal of the cause. In the event that the cause
continues for more than one (1) month we shall refund you for any
subscription charges you have paid in advance for any suspended
Service.
* 24 Assignment and Sub-Contracting
* 24.1 You may not assign, sub-license or otherwise transfer any of your
rights under these Terms without our prior written consent.
* 24.2 We may assign, sub-contract or transfer any and all of our rights
and obligations under these Terms to any Group Company or any entity
who acquires a substantial part of the assets of our business without
your prior written consent.
* 24.3 Without prejudice to Clause 24.2, we may sub-contract delivery of
a Service to any Group Company who operates the business relating to
the relevant information, publication or data product forming part of
that Service.
* 25 Severability
If any provision of these Terms is found to be wholly or partially
invalid, void or unenforceable by any court having competent jurisdiction
or by virtue of any legislation or any other reason, that provision shall
be invalid, void or unenforceable to that extent only and no further and
the validity and enforceability of the remaining provisions of these
Terms shall not be affected.
* 26 Notices
Any notice which is required to be given pursuant to these Terms shall be
made by email or post, in the case of you, to the address provided on
your registration form and, in the case of us, to the address posted on
the relevant Site or otherwise notified to you in relation to any
relevant Service. Any such notice shall be deemed to have arrived if sent
by post within three (3) days of posting and if sent by email at the time
of transmission.
* 27 Third Party Rights
No term of these Terms is intended to be enforceable by any person other
than you or us or any of our licensors.
* 28 Headings
Headings in these Terms are for convenience only and will have no legal
meaning or effect.
REDmoney Sdn Bhd is a company registered in Malaysia under number
20040129487 whose registered office is at Suite 22-06, 22nd Floor, Menara
Tan & Tan, 207 Jalan Tun Razak, 50400, Kuala Lumpur, Malaysia
* 29 Moody’s Terms & Conditions
* 29.1 RESEARCH PUBLICATIONS PUBLISHED BY MOODY’S (“MOODY’S
PUBLICATIONS”) MAY INCLUDE MOODY’S CURRENT OPINIONS OF THE RELATIVE
FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR
DEBT-LIKE SECURITIES. MOODY’S OPINIONS INCLUDED IN MOODY’S PUBLICATIONS
ARE NOT STATEMENTS OF CURRENT OR HISTORICAL FACT. MOODY’S PUBLICATIONS
MAY ALSO INCLUDE QUANTITATIVE MODEL-BASED ESTIMATES OF CREDIT RISK AND
RELATED OPINIONS OR COMMENTARY PUBLISHED BY MOODY’S. MOODY’S
PUBLICATIONS DO NOT CONSTITUTE OR PROVIDE INVESTMENT OR FINANCIAL
ADVICE, AND MOODY’S PUBLICATIONS ARE NOT AND DO NOT PROVIDE
RECOMMENDATIONS TO PURCHASE, SELL, OR HOLD PARTICULAR SECURITIES.
MOODY’S PUBLICATIONS DO NOT COMMENT ON THE SUITABILITY OF AN INVESTMENT
FOR ANY PARTICULAR INVESTOR. MOODY’S PUBLISHES MOODY’S PUBLICATIONS
WITH THE EXPECTATION AND UNDERSTANDING THAT EACH INVESTOR WILL, WITH
DUE CARE, MAKE ITS OWN STUDY AND EVALUATION OF EACH SECURITY THAT IS
UNDER CONSIDERATION FOR PURCHASE, HOLDING, OR SALE.
MOODY’S PUBLICATIONS ARE NOT INTENDED FOR USE BY RETAIL INVESTORS AND
IT WOULD BE RECKLESS FOR RETAIL INVESTORS TO CONSIDER MOODY’S
PUBLICATIONS IN MAKING ANY INVESTMENT DECISION. IF IN DOUBT YOU SHOULD
CONTACT YOUR FINANCIAL OR OTHER PROFESSIONAL ADVISOR.
* 29.2 Moody’s Rights to Content.
Subscriber or Registered User agrees and acknowledges that the Moody’s
Content and Moody’s Publications are and shall remain the valuable
intellectual property owned by, or licensed to, Moody’s Investors
Service, Ltd. and/or its affiliates, (“Moody’s”) and that no
proprietary rights are being transferred to Subscriber or Registered
User in such materials or in any of the information contained therein.
Subscriber or Registered User agrees that misappropriation or misuse of
such materials shall cause serious damage to Moody’s and that in such
event money damages may not constitute sufficient compensation to
Moody’s; consequently, Subscriber or Registered User agrees that in the
event of any misappropriation or misuse, Moody’s shall have the right
to obtain injunctive relief in addition to any other legal or financial
remedies to which Moody’s may be entitled. You must be a Registered
User or Subscriber to access any Moody’s Content and Moody’s
Publications and Visitors are not permitted to access any such Content.
Moody’s Content and Moody’s Publications are licensed to RMG. Use of
Moody’s Content and Moody’s Publications is subject to the additional
terms and conditions set forth at
https://www.moodys.com/Pages/globaldisclaimer.aspx and by your use of
it, you agree to such terms and conditions. Moody’s is a registered
trademark.
* 29.3 No Investment Advice
Subscriber or Registered User expressly agrees, on behalf of itself and
each other person or entity that it permits to use any Moody’s Content
and Moody’s Publications ("User"), that (a) the research and other
opinions, and valuations, quotes, statistical, quantitative or other
information contained in the Moody’s Content and Moody’s Publications
are, and will be construed solely as, statements of opinion and not
statements of fact or recommendations to purchase, hold or sell any
securities, (b) the Information will be weighed solely as one factor in
any investment decision made by or on behalf of Subscriber or
Registered User or any User, and (c) it will accordingly make its own
study and evaluation of each security, and of each issuer and guarantor
of, and each provider of credit support for, each secur¬ity that it may
consider purchasing, holding or selling. Subscriber or Registered User
agrees, on behalf of itself and each User, that (i) none of the
research and other opinions, and valuations, quotes, statistical,
quantitative or other information contained in the Moody’s Content and
Moody’s Publications, or any statements or disclosures by Moody’s to
Subscriber or Registered User or a User regarding the foregoing, shall
create any duty of care on the part of Moody’s or any Moody’s Affiliate
to Subscriber or Registered User, (ii) neither Moody’s nor any Moody’s
Affiliate is acting as a financial adviser to Subscriber or Registered
User, and (iii) none of the research and other opinions, and
valuations, quotes statistical, quantitative or other information
contained in the Moody’s Content and Moody’s Publications (whether in
oral or written form) or statements or other communications supplied by
Moody’s or any of its employees, representatives or agents shall
constitute a representation or a warranty, or the provision of
investment advice.
* 29.4 Sanctions Compliance
Subscriber or Registered User warrants that Subscriber or Registered
User is familiar with, has complied with, and will comply, in all
respects, with the laws and regulations regarding the offering of
unlawful or improper inducements (including the U.S. Foreign Corrupt
Practices Act, as amended, and other anti-corruption and anti-bribery
laws). Subscriber or Registered User warrants that neither Subscriber
or Registered User, nor any entity on whose behalf Subscriber or
Registered User is acting, is owned or controlled by, nor does
Subscriber or Registered User or such entity own or control, directly
or indirectly, a person or entity that is (i) on the list of Specially
Designated Nationals and Blocked Persons maintained by the Office of
Foreign Assets Control of the U.S. Department of the Treasury or the
U.K. Consolidated Financial Sanctions List maintained by Her Majesty’s
Treasury; or (ii) subject to country sanctions imposed by the U.S.
Government for any reason, including but not limited to being organized
or headquartered in or a governmental entity of a country or territory
subject to such sanctions (currently Crimea, Cuba, North Korea, Iran,
and Syria). Additionally, Subscriber or Registered User, or the entity
on whose behalf Subscriber or Registered User is acting, warrants that
Subscriber or Registered User or such entity do not intend to and will
not knowingly supply or use the Moody’s Content and Moody’s
Publications to or for the benefit of any of the foregoing. Subscriber
or Registered User agrees to notify Moody’s if these circumstances
change. For purposes of this provision, "owned" and "own" mean an
interest of 50 percent or more and "control" means the right or ability
to dictate the decisions, actions, and/or policies of an entity or its
management. If Subscriber or Registered User breaches this Section, in
addition to any other rights or remedies Moody’s may have, Moody’s may
immediately terminate Subscriber or Registered User’s access to the
Moody’s Content and Moody’s Publications.
I Agree!