Term of Use

Please read these terms and conditions carefully before using this Website. By accessing this Website and any pages hereof, you are deemed to have read, accepted and agreed to be bound by these Terms of Use. Kindly refrain from using this Website should you not agree to all or any of these Terms of Use. Wilayah Credit Sdn Bhd (“Wilayah Credit”) reserves the right to amend and vary these Terms of Use without any prior notice from time to time. By reviewing and continuing to use this Website and any pages hereof constitute your agreement to all such changes. Wilayah Credit further reserves the right to change, suspend or discontinue any aspect of this Website without prior notice.

The Website

This Website is owned and operated by Wilayah Credit, a private limited company incorporated in Malaysia and is part of the OSK Group of Companies (“Group”).

The contents of the Website are intended for your personal, non-commercial use only and you may print, copy and download any information of this Website for your personal use only. You may not alter, copy, distribute, transmit, display, perform, reproduce, publish or use for commercial purposes in whole or any part of the Website without first obtaining our consent.

All materials published on this Website (including but not limited to articles, features, photographs, images and illustrations, also known as the “Content”) are protected by copyright laws, trademarks or other intellectual property rights, and are owned or controlled by Wilayah Credit, or the party credited as the provider of the Content.

Other Sites

For your convenience and information, the Website also provides links to other sites operated and controlled by third parties.

We shall not be responsible for the availability of these external resources or their contents, and shall not be liable for any information or services which may appear on such linked sites. Any hyperlinks to any other websites are provided as a convenience to you and not an endorsement or verification of such websites and such websites should be accessed at the user’s own risk.

You should also be aware that the terms and conditions appearing on such sites and the site’s privacy policies may be different from those applicable to your use of this Website. Wilayah Credit is not a party to any contractual arrangements entered into between you and the provider of the external websites unless otherwise expressly specified or agreed to by Wilayah Credit.

You agree that under no circumstances will you hold Wilayah Credit liable for any loss or damage caused by use of or reliance on any content, goods or services available on the external websites.

Use of Your Personal Information

Wilayah Credit may use the personal information you provide through the Website only for purposes for which the personal information was originally requested and for directly related purposes UNLESS Wilayah Credit is required or authorised under law to disclose such personal information OR you give your written consent to allow disclosure of such personal information.

Wilayah Credit do not control the use of your personal information you may share with our linked sites. You are advised to make yourself aware of their terms and conditions in this respect, if any.

We undertake not to sell your name and/or personal data to third parties, and do not intend to do so in the future.

Your Suggestions, Comments and Feedback

Any communication from you sent to our Website or otherwise to us by electronic mail shall be treated as non-confidential. Your comments, suggestions, questions, feedback and the like regarding the Content and/or our services in general, including any ideas, inventions, concepts, techniques or know-how disclosed therein may be used by us for any purpose, including the developing, manufacturing and/or marketing of goods and/or services, and in such circumstances you are not entitled to any reward or compensation of whatever nature from us. For this purpose, we reserve the right whenever necessary to disclose your personal information within our own offices, authorised agents, government/security agencies or the providers of such services, in whatever country they may be located.

No Warranties

Whilst every care has been taken in preparing the information and materials contained in this Website, such information and materials are provided on the basis without warranty of any kind either expressly or implied, including but not limited to any implied warranties or implied terms of satisfactory quality, fitness for a particular purpose or non-infringement. All such implied terms and warranties are hereby excluded.

Disclaimer

We do not warrant that the functions in our Website will be uninterrupted or error-free, that defects will be corrected or that this Website or the server that makes it available is free of any virus or other harmful elements. We further do not warrant or make any representations regarding the correctness, accuracy, reliability, or otherwise of our Website’s Content or the results of the use.

Liability

By using our Website, you agree that Wilayah Credit will not be held liable under any circumstances, including negligence, for any direct, indirect or consequential loss arising from your use of the information and material contained in our Website or from your access to the linked sites. Wilayah Credit is also not liable nor responsible for any material provided by third parties with their own respective copyright and shall not under any circumstances, be liable for any loss, damages or injury arising from these materials.

Nothing in our Website constitutes an offer to sell any securities and other goods or services of whatever nature and cannot under any circumstances be relied upon for investment dealings of whatever nature.

Exclusions

The exclusions and limitations described herein shall apply only to the extent permitted by law, without prejudice to our rights to seek legal redress in accordance with the applicable laws.

Applicable Law and Jurisdiction

These terms and conditions and this Website’s Content shall be governed and construed in accordance with Malaysian laws, and the Courts of Malaysia shall have exclusive jurisdiction to adjudicate any dispute which may arise in relation thereto.

Other Parties

You accept that, as a limited liability entity, Wilayah Credit and the Group have an interest in protecting and limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against the officers and/or employees of Wilayah Credit and the Group in respect of any losses which you may suffer in connection with the Website. Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Wilayah Credit and the Group and without limitation, its respective officers, employees, subsidiaries, successors, and assigns.