Access to this website or any of its pages (collectively, “the Website”) is granted by Baiduri Bank Berhad and its subsidiaries (jointly, “the Bank”) subject to the following terms and conditions (“these Terms”).

By accessing the Website you agree to be bound by these Terms which the Bank may change or update from time to time, with or without notice to you at the Bank’s sole discretion. Your continued access or use of the Website and/or any services provided through the Website shall be deemed as your acceptance to such changes or updates.

IF YOU DO NOT AGREE TO THESE TERMS PLEASE DISCONTINUE YOUR ACCESS TO OR YOUR USE OF THIS WEBSITE AND/OR OF THE SERVICES PROVIDED THEREUNDER IMMEDIATELY.

Disclaimer
The material and information on the Website including services, data, text, video, audio, links, products and other items are presented on “as is” and “as available” basis. The Bank makes no representation, endorsement or warranty in conjunction with the Website or any information materials products and services provided on the Website, whether express or implied (including without limitation, as to the currentness, accuracy, adequacy, completeness, reliability, satisfactory quality, fitness for purpose, and freedom from viruses, worms, trojan horses, malicious or disruptive codes, agents, programs, spyware or other processes or items). The Bank does not warrant or represent that access to the whole or part(s) of the Website, or to the material information products and services contained thereunder will be provided uninterrupted or free from errors or that there will be no delays, failures or loss of transmitted information or that the same will be identified and corrected.

Access and use of the Website and any services, software, products or material contained thereunder is at your own risk. The Bank will not take responsibility or assume liability for any losses, expenses, costs, damages, liabilities or other consequences of whatsoever nature suffered directly or indirectly by you (collectively, “the Losses”), including without limitation, any Losses directly or indirectly arising from or in connection with:-

1. Any breakdown, faultiness, error or non-availability of any part the Website or any material or information contained therein or your inability to use or access the same;
2. Any system, connection, power supply, Internet issues or other issues whether or not caused by third party service providers;
3. Any errors, omissions, interruptions, delay in loading or transmission, or any viruses, programmes (malicious or otherwise), codes;
4. Any access or use of any part of the Website, or reliance on the contents of the Website including but not limited to material, information, products and/or services;
5. Any error, defect, fault or inaccuracy with any part of the Website or the contents of the Website including but not limited to material, information, products and/or services; or
6. Any use of or access to any software downloaded from the Website or any website linked to the Website, or any material, information, products, services, software which was obtained from a website linked to the Website.

FOR THE AVOIDANCE OF DOUBT the Bank will not be liable for any special, punitive or consequential damages, losses or costs under these Terms, whether or not the Bank is aware of/has been informed of the possibilities. These exclusions shall take effect to the fullest extent permitted by the law.

Products and Services
Products and services provided by the Bank and any third-party partners are provided at the Bank’s discretion and subject to the individual terms and conditions of such products and services. These Terms shall regulate your access and use of the Website and they are to be read together with the applicable terms and conditions governing the products and services provided on the Website. In the event of conflict between these Terms and the applicable terms and conditions governing the products and services provided on the Website, the latter will prevail.

The Bank in its sole discretion may change and/or update material, information, products and services on the Website with or without notice to you. Your continued access or use of the Website is deemed as your acceptance to such updates and changes.

No Offer or Solicitation
The material and information presented on or accessed through this Website shall not be construed or considered as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or the giving of any advice in relation to any products or services to persons in any jurisdiction.

General Use Only
The material and information presented on or accessed through this Website is for general circulation and use only and has not been verified or assessed by the Bank in relation to making specific investments, business, financial or commercial decisions. They do not take into account any personal or individual circumstances or particular needs of a person.

As such, they should not be relied on or treated as specific advice for a particular person. You should always seek professional advice regarding the suitability of any investment product and obtain independent verification of the materials and information presented on or accessed through this Website.

While the Bank has taken reasonable care in presenting the materials and information on the Website, the Bank does not undertake any obligation to update the Website to reflect any changes in law, events or policies and do not have an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. In particular, the Bank does not warrant that any material or information is accurate, reliable, useful or timely and should not be relied upon as such. No responsibility is taken by the Bank for any Losses in connection or as a result of any person acting on any material or information contained on the Website.

Hyperlinks
The Website contains hyperlinks to other websites owned/operated by third parties. These hyperlinks exist for information purposes and are for your convenience only. The Bank does not accept liability or responsibility for any Losses arising directly or indirectly from your use of any hyperlinks, including without limitation the contents of a linked website, or consequences of accessing any linked website or a link contained in a linked website.

The Bank’s inclusion of hyperlinks do not represent and shall not be construed or considered as the Bank’s endorsement, recommendation, approval or verification of a linked website and/or having any form of cooperation with such linked websites or the third parties that own/operate them. You agree that you shall assume full risk of the use of these hyperlinks and subsequent access to the linked websites.

The Bank is not responsible for any services, software, products which you access through any linked website or any Losses which you may suffer as a result of such access. You must comply with all the terms and conditions of such services, software or products and pay all the charges connected with it.

Copyright
The copyright in the Website and contents in the Website is owned by the Bank and/or the respective third party proprietors (as the case may be) and protected by applicable laws of Brunei and international copyright laws. No part or parts of the Website shall be reproduced, modified, distributed, performed, reverse engineered, hyperlinked, transmitted, licensed, transferred, sold or commercially dealt with in any manner or stored in an information retrieval system without prior written consent of the Bank. You may not, without the prior written consent of the Bank, use any trademark, service mark or logo as a hyperlink to this Website or any other site unless such use is approved in writing by the Bank.

All trademarks, service marks or logos displayed in this Website are the property of the Bank and/or the respective third party proprietors identified in this Website (as the case may be). Unless you have obtained prior written consent of the Bank or the relevant third party proprietor, no licence or right is given to download, use, reproduce, copy or modify any such trademark, service mark or logo.

Advertisers
The Website may contain material and information on deals and promotions offered by advertisers. Any correspondence or dealings, participation in and the delivery of goods/services and terms and conditions associated with such deals are strictly between the advertiser and the user. The Bank disclaims all responsibility for any Losses connected to arising out of such deals and promotions and/or any association with the advertiser and user.

Submissions
Any information contained in any communication, submission or transmission which you send through or using the Website (collectively, “the Transmitted Information”) is on a non-confidential basis and deemed to be the property of the Bank. The Bank has no responsibility or obligation in respect of the Transmitted Information and shall be free to reproduce, publish, disclose, share or use in any way for any purpose including but not limited to developing, producing and marketing products and services.

You hereby grant to the Bank a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in the Transmitted Information. You hereby consent to the collection, storage, communication and processing of the Transmitted Information. You acknowledge that the Bank has no control over and cannot prevent the transmission of any the Transmitted Information by a third party, and the Bank shall not be responsible or liable for the same.

Indemnity
You agree to indemnify and keep fully indemnified the Bank against any and all liabilities, losses, action, claim, demand, expenses (including legal fees on full indemnity basis) arising from (i) your access to and or use or misuse of the Website and/or any other person’s or entity’s use or misuse of the Website where such person or entity was able to access and/or use the Website by using your credentials; (ii) your breach or non-observance of these Terms by you and/or any other person’s or entity’s use of the Website where such person or entity was able to access and/or use the Website by using your credentials; and (iii) infringement of right(s) of any third party in conjunction with your use or access of this Website.

Miscellaneous
The failure or delay on the Bank’s part to exercise or enforce any right or provision under these Terms shall not constitute a waiver of such right or provision.

If any one or more of the provisions of these Terms is, or becomes, invalid, unenforceable or illegal in whole or part, the validity, enforceability or legality of the remaining provisions shall not be impaired.

Termination
The Bank may terminate and/or suspend your access or use of this Website and/or any products or services on this Website at any time, with or without cause or notice.

Law and Jurisdiction
The Bank makes no representations that the products, services, materials and information on the Website are relevant or available outside of Brunei Darussalam. Unless specified otherwise, the Website and any materials, information, products or services provided therein are strictly for our customers in Brunei Darussalam and shall not be construed as the provision of banking facilities outside Brunei Darussalam. In the event the laws of the jurisdiction you are subject to do not permit or impose restrictions on the access to the contents of the Website, you shall forthwith discontinue access or comply with such restrictions (as the case may be).

These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam but in enforcing these Terms the Bank is at liberty to initiate and take actions or proceedings or otherwise against you in Brunei Darussalam or anywhere else the Bank may deem fit. By accessing this Website and/or using the services herein provided by the Bank you hereby submit to the jurisdiction of the Courts of Brunei Darussalam or any other jurisdiction in which the Bank brings proceedings in relation to your obligations and liabilities under or arising out of these Terms.