General

This website (www.publicmutual.com.my), ("Site"), is published and maintained by Public Mutual Berhad ("Public Mutual"). By using this Site or any financial statements, data, information, content, products or services available and/or provided by the Site (collectively "Materials"), you agree to be bound by the terms and conditions set out herein ("Terms of Use"). Public Mutual may periodically modify these Terms of Use without prior notice. If you do not agree to these Terms of Use, kindly do not use this Site.

Public Mutual may modify, suspend, discontinue or restrict the use and availability of any portion of this Site at any time, without notice or liability. Your use of this Site may be monitored by Public Mutual and used for Public Mutual's marketing and research purposes.

You should read and understand the Disclaimers, Privacy Policy and Internet Risk statement on our website (www.publicmutual.com.my).

Limited License and Restrictions on Use

Public Mutual grants you a limited, revocable, non-exclusive, non-transferable licence to view, save/store, bookmark, download and print the pages within this Site solely for your personal, informational and non-commercial use or as expressly authorised herein by Public Mutual. You are responsible for obtaining and maintaining all equipment, services and other materials that you need to access this Site. Public Mutual reserves all rights not expressly granted in these Terms of Use. Except as otherwise stated in these Terms of Use, you may not:

Modify, distribute, transmit, post, reproduce, republish, broadcast, create derivative works from, transfer, sell or exploit any of the Materials;

Redeliver any page, text, image or any of the Materials on this Site using "framing" or other technology other than those made generally available by Public Mutual;

Engage in any conduct that could damage, disable or overburden this Site, any of the Materials, or any systems, networks or servers related to this Site including, without limitation, using devices or software that provide repeated automated access to this Site other than those made generally available by Public Mutual;

Probe, scan or test the vulnerability of any Materials, systems, networks or servers related to this Site or attempt to gain unauthorised access to Materials, services, systems, networks, servers or accounts connected or associated with this Site through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication or security implementations of any Materials, systems, networks or servers related to this Site;

Modify, copy, obscure, remove or display Public Mutual's name, logo, trademarks, text, notices or images.

Linking Conditions

You may not link to this Site unless you comply with these linking conditions ("Linking Conditions"). Public Mutual grants you a limited, revocable, non-exclusive right to create a hyperlink to this Site ("Link"), provided you comply at all times with the following conditions:

The Link must resolve to the appropriate webpage on Public Mutual's site, unaltered in any way;

The text of the Link must read either "Public Mutual Berhad," "Public Mutual," “publicmutual.com.my” or “www.publicmutual.com.my”. You may not use Public Mutual’s logo or any of its graphics, or any other Public Mutual trademark, as part of the Link without Public Mutual's written permission; and

The Link and surrounding context on the site containing the Link must not: (i) falsely represent or misrepresent any relationship between the site containing the Link and Public Mutual, including suggestions of affiliation, endorsement or sponsorship; (ii) portray Public Mutual or its products or services in a false, misleading, derogatory or otherwise offensive manner; or (iii) deliver the Materials in a framed environment or alter the layout, content, look or feel of the Site.

Copyright

All Materials on this Site, whether separate or compiled, including, but not limited to, text, graphics, logos, buttons, images, reports, digital downloads, data compilations, software, icons, html code and xml code, any other source code, as well as all copyright, patent, trademark and other rights therein, are the intellectual property rights of Public Mutual and its third-party information providers.

Trademarks

All trademarks, service marks and logos appearing on this Site shall at all times vest and remain vested in Public Mutual.

Disclaimer of Warranties

THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. PUBLIC MUTUAL AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES REGARDING SECURITY, CORRECTNESS, QUALITY, ACCURACY, COMPLETENESS, RELIABILITY, PERFORMANCE, TIMELINESS OR CONTINUED AVAILABILITY WITH RESPECT TO THE SITE; THE MATERIALS; THE USE OF THE SITE AND MATERIALS; AND THE RESULTS OF THE USE OF THE SITE AND MATERIALS. TO THE EXTENT THAT ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER RIGHTS, WHICH VARY FROM JURISDICTION TO JURISDICTION.

Limitation of Liability

ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE ARE DONE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER EQUIPMENT, OR LOSS OF DATA THAT RESULTS FROM SUCH A DOWNLOAD OR OTHERWISE OBTAINED. NEITHER PUBLIC MUTUAL NOR ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES OR DAMAGES CAUSED BY THEFT, UNAUTHORISED ACCESS, SYSTEM FAILURE OR COMMUNICATIONS LINE FAILURE, OR THE COST OF PROCURING SUBSTITUTE GOODS OR SERVICES CAUSED BY THE USE OF OR INABILITY TO USE THE SITE, MATERIALS OR ANY PRODUCTS OR SERVICES PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO THIS SITE, EVEN IF PUBLIC MUTUAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE LIABILITY OF PUBLIC MUTUAL AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.

Indemnity

You agree to indemnify, defend and hold harmless Public Mutual, its affiliates and each of its officers, directors, employees and agents from and against all claims, demands, liabilities, damages, losses or expenses, including solicitors’ fees and costs, arising out of or related to your improper access to or use of this Site, or any violation by you of these Terms of Use.