USE OF WEBSITE TERMS AND CONDITIONS

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:-

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;
Any system, connection, power supply, Internet issues or other issues whether or not caused by third party service providers;
Any errors, omissions, interruptions, delay in loading or transmission, or any viruses, programmes (malicious or otherwise), codes;
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;
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
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.

GENERAL WEBSITE PRIVACY POLICY

This Privacy Policy outlines how Baiduri Bank Berhad and its subsidiaries (jointly, “the Bank”) collects, uses, maintains, keeps and discloses the data that the Bank collect about you (“Your Data”) which is submitted, transmitted or otherwise obtained through your use of this website or any of its pages (collectively, “the Website”).

This Privacy Policy is limited only to data and information collected through your use of the Website or pursuant to your use of the Website, your response to the Bank’s online advertisements, online forms and email communications sent by the Bank (“the Collection Methods”).

By accessing and using the Website and/or providing Your Data through the Collection Methods, you agree to the Bank’s use of Cookies (as defined herein), our use of Your Data in accordance with this Privacy Policy and the terms and conditions of this Privacy Policy.

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

The Website contains hyperlinks to other websites owned/operated by third parties. This Privacy Policy only applies to the Website and does not apply to third-party websites including those where our advertisements are displayed. When accessing hyperlinks on the Website which brings you to a third-party website, you should read the terms and conditions and the privacy policy of such third-party websites.

Some examples of Your Data which the Bank collects are –

i. Personal particulars such as your name, contact details, residential address, date of birth, identity card/passport details, nationality, race, marital status;
ii. Financial details such as income and credit history;
iii. Employment details such as occupation, directorships and other positions held, employment history, salary;
iv. Information on your risk profile, investments, investment objectives, knowledge and experience and/or business interests and assets;
v. Banking information such as account numbers and banking transactions;
vi. Personal opinions through surveys or other forms of feedback;
vii. Information relating to your activities, habits, preferences and interests arising from your use of the Website;
viii. Other electronic data or information relating to you such as IP addresses, cookies, activity logs, online identifiers and location data through your usage of the Website or as part of the delivery of our services to you.

How information is collected
Your Data is collected through the Collection Methods outlined above. In particular, the Bank uses the following tools in the Collection Methods –

Cookies are small data files which the Website stores on the device used by you to access the Website or when you respond to the Bank’s online advertisements. The Bank uses Cookies to collect information on your usage of the Website, your location through your IP address, to store your login preferences, temporarily identify you once you have logged in to a secure page on the Website so you can carry information between the Website pages and to otherwise facilitate your use and/or experience of the Website. Cookies are also used to compile statistical information about activities carried on the Website which the Bank may use for its analytics.

Most browsers allow you to “block” Cookies, but please note that this may interrupt your experience of the Website as certain features and functions of the Website will not work properly.

Online Forms are used to collect personal information which you may provide if you are requesting information or submitting an enquiry, making an application for a product or service, signing up for our emails or newsletters or any other purpose which will require your personal information.

Electronic communications may be stored if you use email to communicate with us. The Bank will also send you emails if you have opted to sign in for this service.

How information is used – purpose of collecting personal data
Your Data is kept confidential by the Bank. The Bank will use all reasonable means of keeping Your Data secure and will abide by any applicable legislation for data protection. Your Data may be used by the Bank for various purposes, including the following:-

i. To provide the service or product for which you have submitted Your Data or responding to your electronic communication, such as contacting you in respect of an online application that you have made or an online form you have filled in;
ii. To communicate with you, including providing updates on the Bank’s products, services and banking facilities;
iii. To develop, monitor, provide and/or improve the Bank’s products, services, banking facilities, customer service quality and advertising such as carrying out research, planning, strategic and statistical analysis and/or analytics (whether internally or through a third party);
iv. To assess and process any applications which you have submitted for the Bank’s products, services, banking facilities;
v. To record and respond to your feedback, queries or to investigate any complaints or claims to resolve disputes;
vi. To verify your identity for providing/continuing to provide you with the Bank’s products, services and/or banking facilities;
vii. To manage, comply with, develop and/or improve our internal infrastructure, functions and business operations;
viii. To comply with applicable legislation, rules, regulations, obligations and requirements imposed by authorities or any credit bureau of which the Bank is a member;
ix. To produce or issue financial, regulatory, management reporting, conduct risk management and assessment for the Bank, comply with audit and record keeping purposes;
x. To create, run and update our credit and risk related models and analysis or otherwise;
xi. For any other purpose that the Bank has specifically stated in terms and conditions for individual products, services and banking facilities that you have applied for.

The Bank may use Your Data to offer, introduce and/or update on products, services, banking facilities and related matters such as promotions, draws, special offers and entitlements. These marketing messages may be sent to you through various communication modes such as email, messaging services, phone calls, or telephone calls. Please be assured that the Bank will only send these messages if you have provided or otherwise indicated your consent in recorded form. You may opt out of these messages at any time either through selected or on all communication modes by contacting us.

To whom personal data is disclosed
Your Data will be retained by the Bank until the purpose for which it was collected has been fulfilled, or for as long as is necessary for any legal, accounting, regulatory or business purposes as required from time to time.

However in order to provide you with effective and continuous products and services and for the Bank to comply with any laws or regulatory guidelines and procedures, the Bank may need to disclose Your Data to –

i. The Bank’s group of companies, including head office, subsidiaries, branches, representative offices, related corporations or affiliates, in Brunei Darussalam or overseas;
ii. Any association or body of which the Bank is a member or a subscriber and for which members may include but may not be limited to financial institutions or corporates;
iii. Our service providers, such as ICT infrastructure maintenance services, debt recovery agencies;
iv. The Bank’s external advisers, such as our lawyers and auditors;
v. Regulatory authorities such as the credit bureau or monetary authority in any jurisdiction or government authority or bodies or any other person having jurisdiction over the Bank, or court of law in Brunei Darussalam or elsewhere, or any tax authority in any jurisdiction;
vi. The police or other public officers conducting an investigation;
vii. Any banks, financial institutions or credit or charge card companies;
viii. Persons who act on your behalf, such as beneficiaries, account nominees, intermediary, correspondent and agent banks, clearing houses or any insurer, guarantor, provider of security in relation to you or your auditor or any member, partner, director or shareholder relating to you;
ix. Any third party which the Bank may use to provide services to you.

Any disclosure to third party service providers will be on a strict “need-to-know” basis. The Bank will only disclose what is needed for them to fulfill their scope of services and the Bank will require them to keep Your Data confidential and use such data solely for the purposes of fulfilling their services.

The Bank may be required to disclose Your Data to Government and/or regulatory authorities as part of the Bank’s compliance with existing law, regulations, directives or orders, for example where the Bank is asked to assist in investigations and disclosure to the police, judiciary or monetary authority is required.

In the event Your Data is disclosed to third parties for business purposes such as a merger, acquisition, reorganization or restructuring the Bank will ask such third parties agree to treat and handle Your Data in accordance with this Privacy Policy.

Accessing and correcting Your Data
If there are any changes to Your Data or if you believe that Your Data held by the Bank is incorrect or outdated, you can make corrections or request for access to Your Data. Please note that the Bank may charge a fee to process your request for access, which will depend on the nature and complexity of your request. The Bank will verify your identity prior to providing you with the requested access.

How to Contact the Bank
To contact the Bank about this Policy, to request for access or to update Your Data or if you wish to provide any feedback please visit any of our branches or contact us in the following ways –

24-hour Customer Helpline at 2449666
Email at [email protected]
Visit our website at www.baiduri.com

Changes and Updates to Privacy Policy
This Privacy Policy may be amended from time to time to ensure that it is applicable, up-to-date and correctly reflects the way the Bank uses Your Data or any updated laws and regulations. The Bank will utilize the most recent version of this Privacy Policy in its communications, transactions and dealings in relation to Your Data.

USE OF WEBSITE TERMS AND CONDITIONS

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