Last updated:7 April, 2020
These Terms apply to all visitors, users and others who access or use the Service (“you” or “your”). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms.
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Service. We reserve the right to terminate your access to the Service without notice if we learn that you have violated these Terms.
While using the Service, you agree to comply with all applicable laws, rules and regulations. In addition, you specifically agree not to:
- Use the Service for any unlawful purpose(s);
- Transmit any content or information that is unlawful, fraudulent, abusive, libellous, defamatory, obscene, or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights;
- Transmit any content or non-public information about companies without the authorisation to do so or any trade secret of any third party;
- Transmit any content or information such as advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication except as otherwise specifically permitted by us;
- Engage in spamming or flooding;
- Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component(s);
- Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Service;
- Harvest or collect information about site visitors or members without our prior written consent;
- Restrict or inhibit any other visitor or member from using the Service, including, without limitation, by means of “hacking” or “cracking” or defacing any portion of the Service;
- Remove any copyright, trademark, or other proprietary rights notices contained in the Service;
- Frame or mirror any part of the Service without our prior written consent;
- Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, data mine, or in any way reproduce or circumvent the navigational structure or presentation of the Service or its content; and
- Express or imply that any statements you make are endorsed by us, without our prior written consent.
We own the content, information and tools on the Service. Our logo (including the logo of Multiply) may not be used on another website without our prior written consent.
You shall not sell, transfer, publish, disclose, display or otherwise make available the Service including without limitation any modifications, enhancements, derivatives or other software or materials provided through the Service or copies thereof to others in violation of these Terms.
By sending or transmitting to us suggestions, ideas, notes, concepts, information, or other materials (collectively, “Materials”), or by posting such Materials to any area of the Service, you grant us a worldwide, non-exclusive, sub-licensable, assignable, royalty free, perpetual, irrevocable right to use, reproduce, distribute, create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials disclosed in message boards, comments, or other forums shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any Materials.
You also warrant that the holder of any intellectual property rights in such content has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You acknowledge that transmissions to, from and/or through the Service are not confidential, and your communications may be read, changed, or interrupted by others. You acknowledge that by using or accessing the Service no confidential, fiduciary, contractually implied or other relationship is created between you and us.
Links to other websites
Where the Service contains links to other websites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those websites or information you may obtain from them.
We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
Links from other websites
You may create a hyperlink to the Service from another website. However, the link must not be presented on the website in any context that implies that the Service has an association with such website, or endorses such website or its product or service.
The information and tools available on the Service should be used as a guide and starting point only, and are not intended to be your only source of information when making any decisions. No information on any part of the Service is intended as financial, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The calculators on the Service give ballpark figures only – they are not exact. The assumptions in the calculators may not always hold true or be relevant to your particular situation. Articles or reports by named authors expressing their views are their own and do not necessarily reflect our views.
THE SERVICE IS SOLELY TO EDUCATE, AND YOU ARE SOLELY RESPONSIBLE FOR ALL YOUR DECISIONS AND ACTIONS IN RESPONSE TO ANY INFORMATION AND TOOLS AVAILABLE ON THE SERVICE. ALWAYS SEEK COMPETENT LEGAL AND FINANCIAL COUNSEL BEFORE MAKING ANY FINANCIAL DECISION.
The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance. We cannot guarantee that the Service will always be accessible or free of errors.
Your use of the Service is at your sole risk. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Service. You are solely responsible for any loss or damage caused by your decision to use or rely on any information, opinion, advice or other content available through the Service.
Limitation of liability
We make every effort to ensure that, at the time of publishing, information available on the Service is accurate and the calculators are reliable. However, neither the Creador Foundation nor any of its employees make any express or implied representations or give any warranties regarding the material or facilities contained or referred to on the Service, and we accept no liability for:
- any loss or damage whatsoever which may arise in any way out of the use of any of the material or facilities;
- any errors in or omissions from the material or facilities; or
- the accuracy of any information obtained through use of the Service.
WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COMPENSATORY, EXEMPLARY, RELIANCE OR PUNITIVE DAMAGES, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM, RESULTING FROM THE USE OF OR ACCESS TO THE SERVICE, THE USE OF OR THE INABILITY TO USE THE SERVICE, RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICE, RESULTING FROM LOSS OF, UNAUTHORISED ACCESS TO OR ALTERATION OF A USER’S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, BUSINESS, PROFITS, DATA OR OTHER INTANGIBLES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICE AND/OR CONTENT CONTAINED WITHIN THE SERVICE IS TO STOP USING THE SERVICE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO THE SERVICE FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THE SERVICE.
You agree to indemnify, defend and hold harmless the Creador Foundation, its affiliates, officers, directors, employees, consultants and agents (where applicable) from any and all third party claims, liability, damages and/or costs (including, but not limited to, legal fees) arising from your use of the Service, your violation of these Terms or your infringement, or infringement by any other user, of any intellectual property or other right of any person or entity. These Terms will inure to the benefit of the Creador Foundation’s successors, assigns and licensees.
These Terms shall be governed and construed in accordance with the laws of Malaysia without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
These Terms constitute the entire agreement between us regarding the Service, and supersede and replace any prior agreements we might have between us regarding the Service.
We may change these Terms by publishing new Terms on the Service from time to time. Any changes to these Terms will take effect from the time the revised Terms are first displayed on the Service. By continuing to access or use the Service after the revised Terms become effective, you agree to be bound by the revised Terms.
Personal data protection
Our policy with respect to the processing of personal data, if any, is set out in our Personal Data Protection Notice.
If you have any questions about these Terms, please contact us at [email protected]
In the event of any conflict between the English and Bahasa Malaysia version of these Terms, the English version shall prevail.
Click here for Bahasa Malaysia version.