Please take a moment to read these terms and conditions carefully.

THE FOLLOWING TERMS AND CONDITIONS APPLY TO YOUR ACCESS AND THE USE OF THIS WEBSITE AND THE SERVICES PROVIDED HEREIN BY IKHTIAR FACTORING SDN BHD (Company Registration No.: 200001005366 (507971 X)) (“IKHTIAR FACTORING SDN BHD”). BY ACCESSING ANY PAGE OF THIS WEBSITE AND/OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS WITHOUT LIMITATION OR QUALIFICATION.

IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO THIS WEBSITE AND/OR USE OF THE SERVICES.

General
IKHTIAR FACTORING SDN BHD currently provides its customers access to a rich collection of information and materials on the products and services of IKHTIAR FACTORING SDN BHD as is made available only in Malaysia.

The contents of this website are merely for informational purposes only and are subject to change at the sole and absolute discretion of IKHTIAR FACTORING SDN BHD.

Cookies
We employ the use of cookies. By accessing websites of IKHTIAR FACTORING SDN BHD, you agreed to use cookies in agreement with IKHTIAR FACTORING SDN BHD’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Our affiliates and/or advertising partners may also use cookies.

Links
Links from or to websites outside this website are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of the IKHTIAR FACTORING SDN BHD. Therefore, IKHTIAR FACTORING SDN BHD shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Furthermore, the links provided in this website shall not be considered as an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and the IKHTIAR FACTORING SDN BHD shall not be responsible or liable for any damages in connection with such linkage. It is advisable for you to read the privacy policy statements (if any) of any websites which are linked to this website.

User Comments
These Terms and Conditions shall take effect on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website (“Comments”). IKHTIAR FACTORING SDN BHD does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of IKHTIAR FACTORING SDN BHD, its agents and/or affiliates. Comments reflect the views and opinions of the person who post such views and opinions. To the extent permitted by applicable laws, IKHTIAR FACTORING SDN BHD shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

IKHTIAR FACTORING SDN BHD reserves the right to monitor all Comments and to remove any Comments which IKHTIAR FACTORING SDN BHD considers as inappropriate, offensive or causes breach of these Terms and Conditions.
You warrant and represent that:

You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
The Comments do not contain any defamatory, libellous, offensive, indecent or otherwise unlawful material which is an invasion of privacy.
The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
You hereby grant IKHTIAR FACTORING SDN BHD a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content
The following organizations may link to our website without prior written approval:

• Government agencies;
• Search engines;
• News organizations;
• Online directory distributors may link to our website in the same manner as they hyperlink to the websites of other listed businesses; and
• System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Website.

These organizations may link to our home page, to publications or to other website information so long as the link:

1. is not in any way deceptive;
2. does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and
3. fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

• commonly known consumer and/or business information sources;
• dot.com community sites;
• associations or other groups representing charities;
• online directory distributors;
• internet portals;
• accounting, law and consulting firms; and
• educational institutions and trade associations.

We will approve link requests from these organizations if we decide that:

1. the link would not make us appear unfavourably to ourselves or to our accredited businesses;
2. the organization does not have any negative records with us;
3. the benefit to us from the visibility of the hyperlink compensates the absence of IKHTIAR FACTORING SDN BHD; and
4. the link is in the context of general resource information.

These organizations may link to our home page so long as the link:

1. is not in any way deceptive;
2. does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and
3. fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to IKHTIAR FACTORING SDN BHD. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URLs on our site to which you would like to link. Please wait for two (2) to three (3) weeks for a response.

Approved organizations may hyperlink to our website as follows:

• By use of our corporate name; or
• By use of the uniform resource locator being linked to; or
• By use of any other description of our website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of IKHTIAR FACTORING SDN BHD ‘s logo or other artwork will be allowed for linking absent a trademark license agreement.

Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our website. You approve to immediately remove all links to our website upon request. We also reserve the right to amend these Terms and Conditions and it’s linking policy at any time. By continuously linking to our website, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website
If you find any link on our website that is offensive for any reason, you are free to contact and inform us of the matter at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

iFrames
Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our website.

Copyright
Copyright in the information contained in this website subsists under the Copyright Act 1987 [Act 332] (“Copyright Act”) and all applicable laws and regulations in any relevant jurisdiction. Any copyright contained in this website is owned by IKHTIAR FACTORING SDN BHD unless otherwise stated. Customers may download a single copy of a document and, where necessary, for use as a reference, or make a single hard copy. Except as permitted under the Copyright Act or any other applicable laws and regulations, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of IKHTIAR FACTORING SDN BHD.

Trademarks
All trademarks, service marks, and logos displayed in this website are the property of IKHTIAR FACTORING SDN BHD and/or its respective third party proprietors as identified in the website.

Unless the prior written consent is obtained from IKHTIAR FACTORING SDN BHD or the relevant third party proprietor of any of the trademarks, service marks or logos appearing on the website, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trademarks, services marks or logos. Similarly, unless the prior written consent of IKHTIAR FACTORING SDN BHD or the relevant proprietor has been obtained, no such trademark, service mark or logo may be used as a link or to mark any link to the IKHTIAR FACTORING SDN BHD’s website or any other site.

Exclusion of Liability
IKHTIAR FACTORING SDN BHD AND/OR ITS PARTNERS HEREIN SHALL IN NO EVENT BE LIABLE FOR ANY LOSS OR DAMAGES HOWSOEVER ARISING WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR LOSS PROFITS OR SAVINGS ARISING IN CONNECTION WITH YOUR ACCESS OR USE OR THE INABILITY TO ACCESS OR USE THIS WEBSITE (OR ANY THIRD PARTY LINK TO OR FROM IKHTIAR FACTORING SDN BHD’S WEBSITE), RELIANCE ON THE INFORMATION CONTAINED IN THE WEBSITE, ANY TECHNICAL, HARDWARE OR SOFTWARE FAILURE OF ANY KIND, THE INTERRUPTION, ERROR, OMISSION, DELAY IN OPERATION, COMPUTER VIRUSES, OR OTHERWISE. THIS EXCLUSION CLAUSE SHALL TAKE EFFECT TO THE FULLEST EXTENT PERMITTED BY LAW.

Indemnity
You hereby agree to indemnify and keep fully indemnified IKHTIAR FACTORING SDN BHD, its employees, co-branders and affiliates against any action, claim, demand, expenses (including legal fees on a full indemnity basis) suffered or incurred by IKHTIAR FACTORING SDN BHD arising from any use or misuse of the content on this website and other websites linked to this website and the services provided therein; breach or non-observance of these Terms and Conditions; and infringement of rights of any third party in conjunction with your use or access to this website.

You shall agree to pay on demand, any and all losses incurred by or awarded against IKHTIAR FACTORING SDN BHD as a result of any non-compliance or breach by you of these Terms and Conditions.

Termination
IKHTIAR FACTORING SDN BHD reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, the IKHTIAR FACTORING SDN BHD may terminate and/or suspend your access should you violate any of these Terms and Conditions, or violate the rights of the IKHTIAR FACTORING SDN BHD, of any other user, or of any third party.

This agreement shall be governed by and construed in accordance with the laws of Malaysia.

By accessing this website and/or using the services offered through this website, you hereby consent to submit to the exclusive jurisdiction of the courts in Malaysia and waive any rights to claim that those courts do not have jurisdiction or are an inconvenient forum.

If you fail to comply with these Terms and Conditions, and IKHTIAR FACTORING SDN BHD does not take action immediately, this does not infer or mean that IKHTIAR FACTORING SDN BHD is forfeiting any of its rights that it may have including taking future actions against you.

You acknowledge that all information, products, facilities and services offered or made available on or through the website are not, in general, subject to the same consumer protection legislation applicable to your country of use and accordingly, you transact entirely at your own risk.

If any particular term in these Terms and Conditions is found to be unenforceable, this will not affect any other terms.

Force Majeure
IKHTIAR FACTORING SDN BHD will not be responsible for any delay in, or failure of, the website due to any occurrence commonly known as force majeure, including war, riots embargoes, strikes, or other concerted acts of workmen, casualties or accidents, or any other causes, circumstances, or contingencies, beyond IKHTIAR FACTORING SDN BHD’s control, which prevent or hinder the use of website hereunder.

Relationship of Parties
These Terms and Conditions will not establish any relationship of partnership, joint venture, employment, franchise or agency between you and IKHTIAR FACTORING SDN BHD.

Language
If these Terms and Conditions or any part of these Terms and Conditions is translated into any other languages and there is a conflict between this English version and any foreign language version of these Terms and Conditions, this English version shall prevail.

Survival of Clauses
Any clauses in these Terms and Conditions which by their nature survive expiration or termination shall survive the expiry or termination of these Terms and Conditions.

Entire Agreement
These Terms and Conditions sets out the entire agreement between you and IKHTIAR FACTORING SDN BHD and supersede any prior arrangements or agreements that we may have with each other, whether in oral or in writing.

Assignment or Novation
You shall not transfer, assign or novate these Terms and Conditions to any third party unless IKHTIAR FACTORING SDN BHD consents in writing. However, IKHTIAR FACTORING SDN BHD may transfer, assign or novate these Terms and Conditions (or any part thereof) to IKHTIAR FACTORING SDN BHD’s affiliate or any third party without notice to you.

Notices
All notices, demands and other communications (“Notices”) between IKHTIAR FACTORING SDN BHD and you which are required to be given under these Terms and Conditions shall be in writing in the English language and may be sent by hand, by pre-paid registered post, by facsimile or by electronic mail (“email”) to the address of the recipient set out below:

Head of Strategic Planning
IKHTIAR FACTORING SDN BHD
No. 11, Pekeliling Business Centre
Jalan 5/65C, Off Jalan Pahang Barat
53000 Kuala Lumpur
Wilayah Persekutuan Kuala Lumpur
All Notices shall be deemed to have been served on the recipient when delivered (if delivery by hand) or forty-eight (48) hours after posting (if sent by pre-paid registered post) or on transmission by the sender (if sent by facsimile or email).

You agree that in any event an action began in the courts of relevant jurisdiction in respect of the website, the legal documents and any other relevant documents may be served upon you by registered post (not being AR Registered Post) at the address you provided to us or to your last known address in our records and such service shall on the fifth (5) day after postage be deemed as good and sufficient service of the legal documents.