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Terms & Conditions and Disclaimer

Conduct of User

User shall use MIFC Portal and Mobile App for lawful purposes only. User shall not post or transmit through Portal and Mobile App any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, an invasion of privacy, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any law, or which, without BNM's express prior approval, contains advertising or any solicitation with respect to products or services. 

Any conduct by a User that in BNM's view restricts or inhibits any other User from using or enjoying MIFC Portal and Mobile App will not be permitted. User shall not use MIFC Portal and Mobile App to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become subscribers of other on-line information services competitive with MIFC Portal and Mobile App

Intellectual Property and Proprietary Rights

The MIFC Portal and Mobile App contains material subject to the protection of copyright, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of MIFC Portal and Mobile App are subject to copyright as a collective work under the Malaysian copyright and trade marks laws. 

BNM owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. User shall not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. User may download material for personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express permission of BNM and the relevant copyright owner. User acknowledges that it does not acquire any ownership rights by downloading such material. 

User shall not upload, post or otherwise make available on MIFC Portal and Mobile App any material protected by copyright, trademark or other proprietary right without the express permission of BNM and the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by copyright rests with User. User shall be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. 

By submitting material to any public area of MIFC Portal and Mobile App, User automatically grants, or warrants that the owner of such material has expressly granted BNM the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such material. User hereby grants BNM the right to edit, copy, publish and distribute any material made available on MIFC Portal and Mobile App by the User.
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