IMPORTANT LEGAL NOTICES (PLEASE READ DISCLAIMERS AND INDEMNITIES)
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS AND DATA
PROTECTION AND PRIVACY POLICY BEFORE USING THE ONLINE SERVICES OF
THIS WEB SITE. AS THIS IS A LONG DOCUMENT, FOR YOUR OWN CONVENIENCE, PLEASE
PRINT OUT A COPY FOR EASY REFERENCE.
THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU AND STANDARD CHARTERED
BANK MALAYSIA BERHAD (“SCBMB”) AND/OR STANDARD CHARTERED SAADIQ BERHAD
(“SCSB”) ESTABLISHING THE TERMS AND CONDITIONS UNDER WHICH THIS WEB SITE
MAY BE USED. USE OF THE ONLINE SERVICE IMPLIES THAT YOU ACCEPT THESE TERMS
AND CONDITIONS. IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, DO NOT
ACCESS THIS WEB SITE AND DO NOT USE THE ONLINE SERVICES.
WE DO NOT OFFER OR SELL SECURITIES TO U.S. PERSONS UNLESS EITHER
(A) THOSE SECURITIES ARE REGISTERED FOE SALE WITH THE U.S SECURITIES AND
EXCHANGE COMMISSION AND WITH ALL APPROPRIATE U.S. STATE AUTHORITIES; OR
(B) THE SECURITIES OR THE SPECIFIC TRANSACTION QUALIFY FOR AN EXEMPTION
UNDER THE U.S. FEDERAL AND STATE SECURITIES LAWS NOR DO WE OFFER OR SELL
SECURITIES TO U.S. PERSONS UNLESS (i) WE, OUR AFFILIATED COMPANY AND THE
APPROPRIATE PERSONNEL ARE PROPERLY REGISTERED OR LICENSED TO CONDUCT BUSINESS;
OR (ii) WE, OUR AFFILIATED COMPANY AND THE APPROPRIATE PERSONNEL QUALIFY
FOR EXEMPTIONS UNDER APPLICABLE U.S. FEDERAL AND STATE LAWS.
RETAIL BANKING OFFERS ARE NOT AVAILABLE TO PERSONS
RESIDING IN AUSTRALIA.
NOTHING ON THIS WEB PAGE OR THE WEB PAGES OF ANY AFFILIATE SHOULD
BE CONSTRUED AS AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO PURCHASE
ANY SECURITIES WHERE IT WOULD BE ILLEGAL TO DO SO.
COMPANY DETAILS
Standard Chartered Bank in Malaysia, a member of the Standard Chartered
Group was established in Malaysia in 1875 when its first branch opened
for business at Downing Street, Penang. The Bank was locally incorporated
as Standard Chartered Bank Malaysia Berhad on 29 February 1984.
Standard Chartered Saadiq Berhad, the Bank’s Islamic Banking subsidiary
was established in November 2008. It offers a comprehensive range of Shariah-compliant
products and services to individuals and corporates through its first
Saadiq financial centre (branch) located in Taman Tun Dr Ismail, Kuala
Lumpur.
JURISDICTION AND RESTRICTIONS
SCBMB controls and maintains this Web Site from Malaysia and SCBMB together
with SCSB makes no representation that the material and information contained
here in is appropriate or available for use in other locations/jurisdictions.
These Terms and Conditions are governed by the Laws of Malaysia and any
dispute shall be subject to the non-exclusive jurisdiction of the Malaysian
Courts.
THE DISTRIBUTION OF THIS WEB SITE'S MATERIAL MAY BE RESTRICTED BY LAW
IN CERTAIN JURISDICTIONS. IT IS YOUR RESPONSIBILITY TO FIND OUT WHAT THOSE
RESTRICTIONS ARE AND OBSERVE THEM.
PRODUCTS AND SERVICES
The information and material on this Web Site should not be regarded
as an offer, solicitation, invitation, advice or recommendation to buy
or sell investments securities or any other instrument or banking product
of Standard Chartered Bank Malaysia Berhad (“SCBMB”) and/or STANDARD CHARTERED
SAADIQ BERHAD (“SCSB”) or any other issuer. Use of the products
or services described at this Web Site may not be permitted in some countries
and if in doubt, you should check with your local Regulator or Authority
before requesting further information. This Web Site does not constitute
an offer on the part of SCBMB or SCSB to provide products or services
described therein to persons or entities resident in countries where local
law or regulation does not permit their use.
Products and services are available only at the discretion of SCBMB or
SCSB or the relevant Standard Chartered Group company or associate, subject
to the products and services individual contractual Terms and Conditions
on which they are offered and such products and services may be withdrawn
or amended at any time without notice. The full range of products or services
may not be available in all locations. Fees, commissions or other charges
may apply to certain services - the office providing the services can
provide details.
Any application made by you for any products and services offered by SCBMB
or SCSB, whether transmitted through or printed from this web site or
otherwise, shall be subject to the final written approval of SCBMB or
SCSB, which may be granted or refused at SCBMB or SCSB's absolute discretion.
SCBMB or SCSB shall not be obliged to furnish any notice or give any reasons
for any rejection of your application. SCBMB or SCSB's acceptance of you
as SCBMB or SCSB's customer and making available to you any products and
services, shall also be subject to your meeting SCBMB or SCSB's eligibility
requirements, submission of all necessary documents, compliance with any
other Terms and Conditions of SCBMB or SCSB, and finalisation and execution
of all documents required by SCBMB or SCSB.
Transactions with any office of Standard Chartered Bank ("SCB")
(incorporated in England and Wales with limited liability by Royal Charter
1853, under reference ZC18) outside the United Kingdom, or with any other
Group company outside the United Kingdom, are not protected by the United
Kingdom's regulatory regime. Transactions with offices of non-group companies
referred to in this site will not normally be so protected unless otherwise
indicated.
DISCLAIMER
SCBMB AND SCSB MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND,
EXPRESS, IMPLIED OR STATUTORY REGARDING THIS WEB SITE OR THE MATERIALS
AND INFORMATION CONTAINED OR REFERRED TO ON EACH PAGE ASSOCIATED WITH
THIS WEB SITE. THE MATERIAL AND INFORMATION CONTAINED ON THIS WEB SITE
IS PROVIDED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE USED AS A BASIS
FOR MAKING BUSINESS DECISIONS. ANY ADVICE OR INFORMATION RECEIVED VIA
THIS WEB SITE SHOULD NOT BE RELIED UPON WITHOUT CONSULTING PRIMARY OR
MORE ACCURATE OR MORE UP-TO-DATE SOURCES OF INFORMATION OR SPECIFIC PROFESSIONAL
ADVICE. YOU ARE RECOMMENDED TO OBTAIN SUCH PROFESSIONAL ADVICE WHERE APPROPRIATE.
GEOGRAPHIC, POLITICAL, ECONOMIC, STATISTICAL, FINANCIAL AND EXCHANGE
RATE DATA IS PRESENTED IN CERTAIN CASES IN APPROXIMATE OR SUMMARY OR SIMPLIFIED
FORM AND MAY CHANGE OVER TIME. RELIANCE HAS BEEN PLACED BY THE EDITORS
ON CERTAIN EXTERNAL STATISTICAL DATA WHICH, THOUGH BELIEVED TO BE CORRECT,
MAY NOT IN FACT BE ACCURATE. SCBMB AND SCSB ACCEPTS NO LIABILITY FOR ANY
LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY FROM ACTION TAKEN, OR NOT
TAKEN, IN RELIANCE ON MATERIAL OR INFORMATION CONTAINED ON THIS WEB SITE.
IN PARTICULAR, NO WARRANTY IS GIVEN THAT ECONOMIC REPORTING INFORMATION
MATERIAL OR DATA IS ACCURATE RELIABLE OR UP TO DATE.
SAVE FOR EVENTS LIKE ELECTRICAL OR NETWORK FAILURE DUE TO THE
FAULT OF SCBMB OR SCSB OR A THIRD PARTY VENDOR COMMISSIONED BY SCBMB OR
SCSB AND ON-LINE HACKING RESULTING IN A THIRD PARTY OBTAINING UNAUTHORIZED
ACCESS TO YOUR ACCOUNT, SCBMB OR SCSB WILL NOT, IN ANY OTHER CIRCUMSTANCE,
BE LIABLE FOR ANY LOSS, DAMAGE OR EXPENSE INCURRED BY YOU ARISING DIRECTLY
OR INDIRECTLY FROM YOUR USE OF THIS WEB SITE. WHILE INTERNET BANKING IS
AVAILABLE TO YOU ONCE EFFECTED, 24 HOURS A DAY, SOME OR ALL OF THE SERVICES
THEREON MAY NOT BE AVAILABLE AT CERTAIN TIMES DUE TO MAINTENANCE AND/OR
COMPUTER, TELECOMMUNICATION, ELECTRICAL OR NETWORK FAILURE OR OTHER CAUSES
BEYOND SCBMB OR SCSB’S CONTROL.
PLEASE NOTE THAT ANY SOFTWARE DOWNLOADED FROM THIS WEB SITE IS AT YOUR
OWN RISK AND SCBMB OR SCSB NEITHER ASSUMES NOR ACCEPTS LIABILITY FOR ANY
LOSS OR DAMAGE, (WHETHER DIRECT OR INDIRECT), HOWSOEVER CAUSED, AS A RESULT
OF ANY COMPUTER VIRUSES, TROJAN HORSES, WORMS, SOFTWARE BOMBS OR SIMILAR
ITEMS OR PROCESSES ARISING FROM YOUR USE OF THIS WEB SITE.
ANY HYPERLINKS FROM THIS WEB SITE EXIST FOR INFORMATION PURPOSES
AND ARE FOR YOUR CONVENIENCE ONLY AND SCBMB OR SCSB ACCEPTS NO LIABILITY
FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING CONSEQUENTIAL
LOSS) FROM THE ACCURACY OR OTHERWISE OF MATERIALS OR INFORMATION CONTAINED
ON THE PAGES OF SUCH SITES OR LOSS ARISING DIRECTLY OR INDIRECTLY FROM
DEFECTS WITH SUCH SITES. SCBMB OR SCSB'S INCLUSION OF HYPERLINKS DOES
NOT IMPLY ANY ENDORSEMENT OF THE MATERIAL ON SUCH SITES.
SCBMB OR SCSB DOES NOT GUARANTEE THAT ANY E-MAILS FROM THE WEB
SITE WILL BE SENT TO YOU OR RECEIVED BY SCBMB OR SCSB NOR DOES SCBMB OR
SCSB WARRANT THE PRIVACY AND/OR SECURITY OF E-MAILS DURING INTERNET TRANSMISSION.
USE AND DISCLOSURE OF PERSONAL INFORMATION
Unless restricted by applicable law, you agree that any and all personal
information/data relating to you collected by SCBMB or SCSB from this
Web Site from time to time may be used and disclosed for such purposes
and to such persons as may be in accordance with SCBMB or SCSB's current
Data Protection and Privacy Policy.
INDEMNITY
You hereby agree to indemnify and to keep SCBMB and SCSB fully and effectively
indemnified against any action, liability, cost, claim, loss, damage,
proceeding or expense (including legal fees, costs and expenses on a full
indemnity basis) suffered or incurred by SCBMB or SCSB arising from or
which is directly or indirectly related to:-
(a) your access to and/or use of SCBMB or SCSB's Web Site and/or any other
person or entity's use of this service or Web Site where such person or
entity was able to access the service or Web Site using your user id and/or
password; or
(b) any breach or non-observance of any of these Terms and Conditions
by you or by any other person or entity where such person or entity was
able to access and/or use the Internet Banking service or Web Site by
using your user id and password.
TERMINATION
SCBMB or SCSB may terminate this Agreement, your access to this Web Site
and use of its Internet Banking service at any time, with or without cause
or notice.
MODIFICATION
SCBMB and SCSB reserves the right in its discretion to change without
prior warning or notice any information or material contained on this
Web Site and the Terms and Conditions under which this Web Site is used.
INTELLECTUAL PROPERTY RIGHTS
All contents of this Web Site including, but not limited to the text,
graphics, links and sounds are the copyright of Standard Chartered PLC
and may not be copied, downloaded, distributed or published in any way
without the prior written consent of SCB and/or SCBMB and/or SCSB.
"Standard Chartered", "Standard Chartered Bank", are
registered trade marks and service marks of Standard Chartered PLC and
no permission or licence is granted to use any such trade marks or service
marks without the prior written consent of Standard Chartered PLC. All
other marks names and logos used on this Web Site (unless otherwise stated)
are the intellectual property rights held by companies within the Standard
Chartered Group.
In relation to any information or materials which you submit to SCBMB
or SCSB using this Web Site, you hereby grant to SCB and/or SCBMB and/or
SCSB a worldwide royalty-free perpetual licence of the copyright and intellectual
property rights in such information or materials for any purpose it deems
including, without limitation, the copying, transmission, distribution
and publication thereof, unless restricted by applicable law.
You agree that SCBMB and/or SCSB shall not be under any obligation of
confidentiality to you regarding any such information or materials submitted
to it using this Web Site unless agreed otherwise in a separate direct
contract between you and SCBMB or SCSB or required by law.
You acknowledge that the contents of the foregoing provisions shall not
limit any specific provisions set out in the individual Terms and Conditions
of particular products and services offered on or through this Web Site.
DATA PROTECTION AND PRIVACY POLICY
This Data Protection and Privacy Statement relates solely to information
supplied by you on this Web Site. Standard Chartered Bank Malaysia Berhad
("SCBMB") and Standard Chartered Saadiq Berhad ("SCSB")
respects the privacy of your personal information. Any personal information
provided by you to SCBMB or SCSB through this Web Site will be used solely
for the purpose of providing you with the services you have requested
at this Web Site and for other related purposes including updating and
enhancing SCBMB or SCSB's records, understanding your financial needs,
advising you of other products and services which may be of interest to
you and for fraud prevention purposes. If you are providing your details
in connection with an application for employment, please refer to our
"Data Protection and Privacy Statement - Job Applicants" which
will be displayed when you apply (see our 'Careers' page). This Policy
will not alter or affect any information otherwise provided by you to
SCBMB or SCSB.
The information collected from you by SCBMB or SCSB will be valuable in
improving the design and marketing of our range of services and related
products for customer use. SCBMB and SCSB wishes to assure you that your
private information will be treated as confidential and with high standards
of security. The use of your information will be kept to the minimum required
in order for SCBMB and SCSB to provide and to continually monitor and
improve its services to our customers and keeping you informed about our
products, services and other opportunities within SCBMB and SCSB.
The details which you are requested to provide on this Web Site may be
transferred within the Standard Chartered Group which may include transfer
to other parts of the Group in different jurisdictions and by using this
web site you consent to such transfer. In providing your telephone and
facsimile number you are agreeing that SCBMB and SCSB may contact you
by telephone and facsimile.
SCBMB and SCSB pledges its intention to meet fully internationally recognised
standards of personal data privacy protection and to comply with the requirements
of applicable data protection/privacy laws. In doing so, we will ensure
compliance by our staff with the strictest standards of security and confidentiality.
Please note that SCBMB and SCSB is bound by the secrecy requirements imposed
by Malaysia's Banking and Financial Institutions Act 1989. In addition
Standard Chartered Group has implemented a mandatory IT security policy,
which it is intended will achieve a level of security compliance similar
to the relevant elements of British Standard 7799.
It is your responsibility to maintain the secrecy of any user ID, login
PIN and all other Passwords and Security Codes you hold.
Other than to those individuals and entities listed below who are under
a duty of confidentiality to SCBMB or SCSB, your details will not be revealed
by SCBMB or SCSB to any external body, unless SCBMB or SCSB has your permission,
or is under either a legal obligation or any other duty to do so. The
information provided by you at this Web Site may be disclosed by SCBMB
or SCSB to:
- Other Companies in the Standard Chartered Group
- Regulators (including agencies or bureaus established by regulators)
- Lawyers
- Auditors
- Third Party Service Providers
- Any Agent or Contractor acting on our behalf
- Any referee whose details are provided to us by you
Each of the above parties, other than regulators and your referees, are
similarly bound by a duty of confidentiality in respect of all information
disclosed to them. The information collected from you by SCBMB or SCSB
will be valuable in improving the design and marketing of our range of
services and related products for customer use. SCBMB and SCSB wishes
to assure you that your private information will be treated as confidential
and with high standards of security. The use of your information will
be kept to the minimum required in order for SCBMB and SCSB to continually
monitor and improve its services to our customers and keeping you informed
about our products, services and other opportunities within SCBMB and
SCSB.
Data provided by you is retained as long as the purpose for which the
data was collected continues. The data is then destroyed unless its retention
is required to satisfy legal, regulatory or accounting requirements or
to protect SCBMB and SCSB's interests. As a general rule, the maximum
retention period is 7 years.
Cookies
In order to improve our Internet service to you, we will occasionally
use a "cookie" and/or other similar files or programs which
may place certain information on your computer's hard drive when you visit
an SCBMB or SCSB web site. A cookie is a small amount of data that our
web server sends to your web browser when you visit certain parts of our
site. We may use cookies to:
- allow us to recognise the PC you are using when you return to our web site so that we can understand your interest in our web site and tailor its content and advertisements to match your interests (This type of cookie may be stored permanently on your PC but does not contain any information that can identify you personally.);
- identify you after you have logged in by storing a temporary reference number in the cookie so that our web server can conduct a dialogue with you while simultaneously dealing with other customers. (You browser keeps this type of cookie until you log off or close down your browser when these types of cookie are normally deleted. No other information is stored in this type of cookie.);
- allow you to carry information across pages of our site and avoid having to re-enter that information;
- allow you access to stored information if you register for any of our on-line services;
- enable us to produce statistical information (anonymous) which helps us to improve the structure and content of our web site;
- enable us to evaluate the effectiveness of our advertising and promotions.
Cookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored. For further information, please refer to your Internet browser software instructions or help screen. Alternatively, information on deleting or controlling cookies is available at http://www.allaboutcookies.org/
Internet Communications
In order to maintain the security of our systems, protect our staff, record
transactions, and, in certain circumstances, to prevent and detect crime
or unauthorised activities, SCBMB and SCSB reserves the right to monitor
all internet communications including web and email traffic into and out
of its domains.
Your Rights and How to Contact Us
You may have the right on payment of a fee to request access to and correction
of personal information about you held by us. If you have that right and
you wish to access or have the right to ask for correct or deletion of
any of your personal data held by us, or if you have any questions concerning
our Data Protection and Privacy Policy, you may speak to our Call Centre
Agents or write to us, as per the contact details below.
You can also speak to any of our Call Centre Agents or write to the following
address (ordinary mail or e-mail) for complaints relating to this policy
or otherwise relating to any misuse or suspected misuse of your personal
information:
Call Centre Number: +603-7711 8888
Mail Address:
Standard Chartered Bank Malaysia Berhad
Call Centre Malaysia,
P.O. Box No. 10580,
50718 Kuala Lumpur,
Malaysia
E-mail Address: Malaysia.Feedback@sc.com
Contacting You
In providing your telephone, mobile phone number, facsimile number, postal
and e-mail address or similar details, you agree that SCBMB and SCSB may
contact you by these methods to keep you informed about SCBMB or SCSB
products and services or for any other reason. If you prefer not to be
kept informed of SCBMB or SCSB products and services, please contact SCBMB
by E-mail.
SCBMB and SCSB reserves the right to amend its prevailing Data Protection
and Privacy Statement at any time and will place any such amendments on
this Web Site. This Data Protection and Privacy Statement is not intended
to, nor does it, create any contractual rights whatsoever or any other
legal rights, nor does it create any obligations on SCBMB and SCSB in
respect of any other party or on behalf of any party.
COPYRIGHT © STANDARD CHARTERED BANK 2003. ALL RIGHTS RESERVED.