We set out below the important points for you to note when using our website www.finwealth.com.my (“Site”) whether as a guest or as a registered user.
Information about Us
The Site is operated by Finwealth Management Sdn Bhd. We are registered in Malaysia under company number 1221983-T and have our headquarters is at H-10-3A, Setiawalk, Persiaran Wawasan, Pusat Bandar Puchong, 47160 Puchong. We are duly licensed by Bank Negara Malaysia (BNM) under sections 11 and 15(1) of the Financial Services Act 2013 (“FSA”) to carry out financial advisory activities and under Securities Commission Malaysia as Capital Markets Services Licenses in Financial Planning & Dealing in Securities restricted to Unit Trust as well as a Corporate Unit Trust Adviser regulated under Federation Investment Managers Malaysia.
We are also a registered member of the Association of Financial Adviser (“AFA”).
We give advice and make recommendation on insurance products. Where we do not give advice you will be informed at the outset. On these we will ask questions to narrow down the selection of policies and supply details of them. You will then make your own choice on how to proceed. We use a wide range of insurers to offer policies.
The information on this Site is directed at residents of Malaysia. Insurance policies accessed through this Site should only be bought by persons residing in Malaysia.
Accessing this Site from territories where its content is illegal or unlawful is prohibited. If you chose to access this Site from outside of Malaysia, you are responsible for compliance with local laws.
Access to Our Site and Changes to Our Site
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). We will not be liable if for any reason our Site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our Site, or our entire Site, to users including those who have registered with us.
We aim to update our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.
You take full and sole responsibility when using content or services provided on this and any linked sites.
Accuracy of Information
We endeavour to ensure the accuracy and reliability of the information provided on this Site but do not guarantee its accuracy, completeness or reliability. For the avoidance of doubt, the information provided on this Site are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer or relate.
Commentary and other materials posted on our Site are not intended to amount to advice on which reliance should be placed. In this connection you should take note that the information provided on this Site are made available for informative purposes only. They are not intended to serve as nor shall they be deemed as professional advice. Accordingly, none of the information provided on this Site should be interpreted or deemed as investment, legal, tax or other advice. Notwithstanding the foregoing provision, any advice rendered by us subsequent to your engagement of our services as your financial adviser shall amount to professional advice for the purposes in connection therewith.
We accept no liability (whether in tort (including negligence), contract, statute or otherwise) for any direct, indirect, special or consequential loss or damage whatsoever arising from: reliance on the information provided on this Site; a computer virus in or introduced into your computer system by, through or in connection with the Site or the linked sites; recommendations that are published or accessible through this Site.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraud or any other liability which cannot be excluded or limited under applicable law.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
Links to other Websites
Contained in this Site are links to third party websites that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement of the sites to which the link leads. Accordingly we do not in any way warrant the adequacy, accuracy, reliability or completeness of any information contained in any website which is hyperlinked or referred to in this Site.
You are entirely at your own risk when accessing these sites and under no circumstance will we accept any responsibility or liability in respect of the linked sites.
Identification and Authentication
If you choose, or you are provided with, a user identification or authentication code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. In this connection, you could be held liable for any loss or damage, whether suffered by us or a third party, which arise as a direct or indirect result of any unauthorized usage of your user identification code and/or unauthorized disclosure of your password unless you are able to prove to our satisfaction, as decided by us in the exercise of our sole and absolute discretion, that you had taken all necessary safety precautions as well as reasonable measures of prudence and that the unauthorized usage of your user identification code and/or unauthorized disclosure of your password was not in any way caused by any negligence on your part.
Acceptable Use Policy
You may use the Site only for lawful purposes.
You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this Site, including but not limited to information relating to insurance policies and prices, whether that information has been gained by the use of spiders, data mining, trawling or other ‘screen scraping’ software or system used to extract data.
You will not do anything that affects the integrity or security of this Site or causes or may cause harm, damage or unreasonable inconvenience to other users of this website or us.
You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.
We reserve our right to resort to any legal recourse which we, in the exercise of our sole and absolute discretion, deem necessary and/or appropriate to be taken against you in the event of any unlawful and/or unauthorized usage of this Site by you or persons under your control and to recover any loss or damage suffered as a result thereof from you.
Intellectual Property Rights
We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. Accordingly you must obtain the permission of the relevant insurance company prior to any usage or reproduction of any material in this Site belonging to such insurance company which amounts to intellectual property,
Information about You and Your Visits to Our Site
Transactions Concluded Through Our Site
Our appointment by you as your financial adviser shall be governed by our Financial Adviser’s Terms of Business, which are available here.
All insurance policies described in this Site or placed by us on your behalf are subject to the terms and conditions of any applicable agreements. In case of doubt the User should seek assistance directly from the insurer or by contacting us at our contact details below.
Choice of Law and Jurisdiction
The Malaysian courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.