Terms and Conditions

This website ("Website") is made available to you by City Credit Investment Bank. The information, including any financial related information, viewable by you on this Website is provided for information only, and does not constitute an offer to sell (or the solicitation of an offer to purchase) financial products or services, nor does it constitute investment advice of any kind whatsoever. Whilst the information contained on this Website has been compiled in good faith, no representation is made as to its completeness or accuracy. City Credit Investment Bank may make changes to this Website that it feels are appropriate from time to time.

Third party websites

City Credit Investment Bank makes no representations as to the security, quality or propriety of any website which may be accessed through this Website and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such websites or goods or services purchased from them. Connected websites (with the exception of other City Credit Investment Bank Group websites are independent websites over which City Credit Investment Bank does not exercise any control whether financial, editorial or of any other kind and are not in any way endorsed by City Credit Investment Bank.

Intellectual property rights

All intellectual property rights including copyright, database rights and first publication rights, patents, registered trade marks and know-how in this Website and in the content published on this Website, unless otherwise indicated, are owned either by City Credit Investment Bank or made available to us under licence by third parties. This Website and all content published on this Website, unless otherwise indicated, is protected by copyright in the State of Malaysia and other jurisdictions. All trade marks and devices displayed on this Website, unless otherwise indicated, are owned by City Credit Investment Bank and/or our licensors, and may be registered in jurisdictions across the world. Save as provided below, any use or reproduction of these trade marks and/or devices is prohibited.

Subject to any prohibitions stated in third party websites accessible via hyperlinks in the Website over which we have no control whatsoever, you may view the content published on this Website and you are welcome to print hard copies of material on it for your personal or internal business purposes. You will also be entitled to download certain files from this Website made available for this purpose, which you may then use for your personal or internal business purposes. All other copying is strictly prohibited.


You should be aware that the Internet, being an open network, is not secure. If you choose to send any electronic communications to us by means of this Website (whether by means of email or posted messages on the Website), you do so at your own risk. City Credit Investment Bank cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipient safely.

City Credit Investment Bank will use all reasonable endeavours to ensure that this Website is reasonably secure. However, we cannot guarantee that any information displayed on this Website has not been interfered with without our consent.

Warranty and liability

This Website is provided "as is" for information purposes only and City Credit Investment Bank gives no warranties of any kind either express or implied in respect thereof. Specifically, but without limitation, City Credit Investment Bank does not warrant that: you will be able to use this Website or that it will continue to be made available in its current or any other form; this Website or any software or material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose. It is your responsibility to use suitable anti-virus software on any software or other material that you may download from this Website and to ensure the compatibility of such software or material with your equipment; or any content or information published on this Website is accurate or complete. The editorial content of any other website to which you have gained access by means of any hyperlinks published on the Website remains the responsibility of the provider of that other website.

City Credit Investment Bank will not (subject only to the exclusion provisions below) be liable to you, whether for negligence, breach of contract or otherwise, for any loss or damage of whatsoever nature suffered by you (including, without limitation, direct loss or damage, indirect or consequential loss or damage, loss of goodwill, loss of business opportunity, loss of data or loss of profit), arising from: any computer virus or other bug transmitted through this Website; your use or inability to use this Website at any time and any error in the provision of this Website; your use of and/or reliance on other websites to which you have gained access by means of hyperlinks published on this Website; any inaccurate information published on this Website; your failure to comply with any law or regulation that is applicable to you; or your reliance on any information published on this Website. You should note specifically that information might be published on this Website about financial products that may not be appropriate for your specific purposes or circumstances

Nothing in these terms shall operate to exclude or restrict City Credit Investment Bank's liability for either fraud, or death or personal injury resulting from City Credit Investment Bank, or its employees' negligence.

Our services do not include giving advice

The services we provide on the Website do not include, and do not purport to include giving advice of any kind whatsoever; providing, arranging, explaining, advising on, promoting or advertising investment products or financial services of any type whatsoever; acting as financial brokers or intermediaries, whether or not independent from any other provider; acting as agents of any kind for you or for any provider; providing brokerage or intermediary services of any kind whatsoever or assuming any of the duties of any such persons under any applicable legal system.

Collection of personal information

City Credit Investment Bank reserves the right unilaterally to amend these General Terms of Use and you will be deemed to have accepted any changes to these General Terms of Use on the first occasion when you visit the Website after details of such changes have been released on it.

By continuing to use this Website, you consent to the processing (including international transfer) of personal information about you as described in the "Privacy Policy".


The failure by City Credit Investment Bank to enforce any term or condition of the General Terms of Use shall not be deemed as a waiver of the right to enforce such term or condition.


These General Terms of Use, and all matters arising from or connected with them, are governed by and construed in accordance with the laws of the International Financial Centre of Labuan and the courts in Malaysia.

The courts of Malaysia have exclusive jurisdiction to settle any dispute, controversy or claim arising from or connected with these General Terms of Use including one regarding the existence, validity or termination of these General Terms of Use or the consequences of their nullity.