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Terms and Conditions of Use

Welcome! Please carefully read the following Terms and Conditions of Use ("Terms of Use") before using this Website ("Site"). By using or by accessing this Site or by using the services provided in this Site, you agree that such use will be governed by these Terms of Use and you further agree to be bound by the Terms of Use and all amendments, revisions or additions thereto without any limitation and qualification. Phillip Mutual Berhad ("Phillip Mutual") may periodically modify these Terms of Use, and any such modifications will be effective immediately upon posting. We suggest that you periodically check these Terms of Use for amendments, revisions or additions. If you do not agree to these Terms of Use, please discontinue from using or accessing this Site.
 
This Site is owned and managed by Phillip Mutual. Further, Phillip Mutual is responsible for the issuance, circulation or dissemination of the electronic prospectus, electronic supplementary prospectus (if any) and electronic application form. Phillip Mutual may modify, suspend, discontinue, or restrict the use and availability of any portion of this Site at anytime, without notice or liability. Your use of this Site may be monitored by Phillip Mutual and used for Phillip Mutual's internal business purposes, without liability.
 
The content of this Site does not constitute as an offer to sell or a solicitation of any offer to buy any of the unit trust funds contained in this Site by anyone in any other jurisdiction. The unit trust funds contained in this Site are made available in Malaysia and to any person in Malaysia only. The information contained in this Site is for general information only and it does not take into account to any particular investor's circumstances. All information, statements and/or descriptions available are intended solely for the use by Malaysian residents only and any currency references shall be in Ringgit Malaysia unless otherwise specified. Any investment in unit trusts, and/or other investment products is subject to investment risks, including the possible loss of the principle amount invested. The value of the units and the income form them may fall as well as rise. Past performance figures are not necessarily indicative of future performance of the unit trust.
 
No party shall be liable to the other for any default arising from events of force majeure, which shall be deemed to include any substances beyond the reasonable control of the party or parties affected.
LIMITED LICENCE AND RESTRICTIONS ON USE
 
Phillip Mutual grants you a limited, revocable, non-exclusive, non-transferable licence to view, store, bookmark, download, and print the pages within this Site solely for your personal, informational, and non-commercial use. You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. Phillip 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, copy, distribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, products, services, or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, "Materials");

  • Redeliver any page, text, image, or Materials on this Site using "framing" or other technology;

  • Engage in any conduct that could damage, disable, or overburden (i) this Site, (ii) any Materials or services provided through this Site, or (iii) any systems, networks, servers, or accounts 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 Phillip Mutual ;

  • Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized 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 device of any Materials, services, systems, networks, servers, or accounts related to this Site;

  • Modify, copy, obscure, remove, or display Phillip Mutual 's name, logo, trademarks, text, notices, or images without Phillip Mutual 's express written permission. To obtain such permission, you may e-mail us at phillipmutual@poems.com.my;

  • Include the term "Phillip Mutual Bhd," or any Phillip Mutual trademark or executive's name, or any variation of the foregoing, as a meta-tag, hidden textual element, or any other indicator that creates an impression of affiliation, sponsorship, or endorsement by Phillip Mutual.

  • LINKING CONDITION
     
    You may not link to this Site unless you have our prior written consent.
    ONLINE TRANSACTIONS
     
    Certain parts of this Site may be protected by passwords or require a login. Further, for authentication purposes, certain features on this Site may require you to answer a designated security question. You agree to provide Phillip Mutual with current, complete, and accurate information as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on this Site, or to any other protected materials or information, through any means not intentionally made available to you by Phillip Mutual.
     
    You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords, and security questions and answers that you use to access any page or feature on this Site, and for logging off of your account and any protected areas of the Site. Further, you are fully responsible for all activities occurring under your accounts, user names, logins, passwords, and security questions and answers that result from your negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. If you become aware of any suspicious or unauthorized conduct concerning your accounts, user names, logins, passwords, or security questions and answers, you agree to contact Phillip Mutual immediately. Phillip Mutual will not be liable for any loss or damage arising from your failure to comply with this paragraph.
     
    By accessing and establishing an account with PMB on this site, you consent to receive personal financial information, notices, updates, instructions, agreements, promotional or marketing material and any other communication (all of which are referred to herein as the "Communications") electronically via an email address of your choice. You have the right to withdraw your consent at any time by informing PMB in writing or by clicking ' reply ' in the sent by PMB . However, if you withdraw such consent, any electronic Communications between us during the period after your consent and before your withdrawal of such consent, will be valid and binding on all parties. Should you choose not to give consent to the electronic Communications, PMB will furnish you with a printed copy of all Communications via postal mail instead.
    IMPORTANT LEGAL INFORMATION
     
    Although we have taken the necessary steps to ensure the system security and integrity, we would advise that by performing online transactions and activities, you are exposed to the inherent risks of online transactions and you agree to assume such risk. You should be aware that the inherent risk list is not exhaustive; including but not limited to identity theft, confidentiality of data which may be illegally intercepted by third party, unauthorized data access by third party, fraudulent emails or fraudulent acts.
     
    The unit trust funds contained in this Site are strictly intended to be made available in Malaysia or to any person in Malaysia only who is residing in Malaysia including the permanent resident, non-permanent resident and citizens of Malaysia.
     
    All application requests for transactions shall only be made either through conventional application (by walk in or through our unit trust consultants) or by online application. Any application that has been received by Phillip Mutual through online can not be cancelled unless otherwise specified.
     
    If you wish to invest in the unit trust funds online, you may perform the online transactions in relation to your investments in this Site. By accessing this Site, you hereby agree that you have given your consent to Phillip Mutual to disclose your information to the relevant entities involved pertaining to the unit trust funds including the relevant regulatory authorities.
     
    Alternatively, you may invest in unit trusts by the conventional way and walk in to our business office at B-2-7, Megan Avenue II, 12 Jalan Yap Kwan Seng, 50450 Kuala Lumpur or submit your applications through our unit trust consultants.
     
    You must take note on the following mode of payments available for your investment:-
     
    Direct bank in/Cheque
     

  • Payment can be deposited directly into our bank account as stated below at any Malayan Banking Bhd branches. A copy of the Deposit Slip (or any form of proof of payment) must be faxed or email to us.

  • Payment for postal application should be made by cheque only.

  • Cheques must be drawn in Ringgit Malaysia (RM), crossed and made payable to "Phillip Mutual Berhad". Post-dated cheques will not be accepted.

  • Payment by outstation cheques should include bank commission charges.

  • Please note that the instruction to purchase Units will be executed on the date on which the payment (or proof of payment) are received or are deemed to have been received by us.

  • Telegraphic Transfer
     

  • Telegraphic transfer should be in favour of Phillip Mutual Bhd as per the following bank details.

  • Please note that any bank charges and/or other fees levied by the remitting bank for undertaking a telegraphic transfer will have to be borne by the investor.

  • A copy of the TT Slip must be faxed or email to us.

  • Please note that the instruction to purchase Units will be executed on the date on which the payment (or proof of payment) are received or are deemed to have been received by us.

  • Internet Banking
     
    We regret to inform you that the internet banking is currently unavailable.
     
    Your completed applications should be submitted together with a payment and units will be created based on the NAV per unit of the Fund at the close of Business Day as stated in the respective Fund's prospectus.
     
    All applications and/or request shall be processed upon the receipt of the completed Fund Master Form by Phillip Mutual Berhad and proof of payment to reach Phillip Mutual Bhd before Cut-Off time of the respective Fund. However, for first time investors, your must open an online account with us and obtain our prior approval. You can only conduct transactions after your online account has been accepted and approved by us. We will mail to you your Online Account User ID and Password before you can conduct transaction online.
     
    For the existing investors, we shall only process the application and/or request upon the receipt of the requisite payment and clearance of payment made by you. Thereafter, the units will be created as per the Cut-Off time of the respective Funds. If we receive your application and/or request and payment before the Cut-Off time of the respective Funds, your units will be based on the end of Business Day's price. If we receive your application and/or request and payment after the Cut-Off time of the respective Funds, the units will be based on the next Business Day's price. Please refer to the respective Fund's Prospectus for details on the cut-off time. However, for the first time investors, we shall only activate your account and allow you to perform your online transactions once we receive your complete documents and satisfactory verification of the said documents based on our Know Your Customer Policy. Please refer to the relevant Fund's prospectus for further details.
     
    The investor has the right to exercise the following options EXCEPT for TRANSFER of unit, of which this right can only be exercised by submitting an application to Phillip Mutual's business office at B-2-7, Megan Avenue II, 12 Jalan Yap Kwan Seng, 50450, Kuala Lumpur:
     
    1. Investment
    2. Redemption
    3. Switching
    4. Cooling-Off right exercise
     
    You may submit your application and/or request for online Redemption, Switching and exercise your Cooling-Off right. Your application and/or request shall be processed based on forward pricing prevailing at the time a complete request is received by Phillip Mutual Bhd. Any application made before the Cut-Off time of the respective Funds shall be based on the end of Business Day's price. If the application is made after the Cut-Off time of the respective Funds, it shall be based on the next Business Day's price. Please refer to the relevant Fund's prospectus for further details.
     
    If you are a first time investor with Phillip Mutual, you shall have the right to request for a cancellation of your investment within six (6) Business Days from the date we receive your application for investment. You may exercise your Cooling-Off right online. This right does not extend to a corporation or institution, staff of Phillip Mutual and any persons registered to deal in unit trusts with Phillip Mutual. The Cooling-Off proceeds shall be computed in accordance with the Guidelines on Unit Trust Funds.
     
    Phillip Mutual is responsible for the issuance, circulation or dissemination of the electronic Prospectus (es), electronic Supplementary Prospectus (es) and electronic Fund Master Form. You are hereby advised to read and fully understand the contents of the relevant Prospectus (es) and Supplementary Prospectus (es)(if any), Terms and Conditions on the Fund Master Form and Unit Trust Loan Financing Risk Disclosure Statement before investing. You may obtain the electronic Prospectus (es) and Supplementary Prospectus (es) (if any), Fund Master Form and Unit Trust Loan Financing Risk Disclosure Statement on this Site or the printed copies of the same at the business office.
     
    In the event a Supplementary Prospectus is issued before Phillip Mutual processes the application, you are allowed to withdraw the application for units provided that you have duly informed Phillip Mutual in writing. Nevertheless, you are not allowed to withdraw the application for units if a Supplementary Prospectus has been registered after the issuance of units to you has been made.
     
    We will post a notice in the Site if there is a situation of a suspension on the transactions of unit trust fund arise due to units have been fully subscribed or due to any request by the relevant authorities or Trustee.
     
    Please carefully consider the fund's investment objectives, risks, fees, charges and expenses before investing. For this and other information, call or write to Phillip Mutual Berhad for a free prospectus, or view one online. Read it carefully before you invest or send money.
     
    Applicant should be 18 years old and above at the date of the application.
    PROSPECTUS, SUPPLEMENTARY PROSPECTUS AND APPLICATION FORM
     
    You may also obtain the printed copies of the prospectus, supplementary prospectus and Fund Master Form and Unit Trust Loan Financing Risk Disclosure Statement from our office at B-2-7, Megan Avenue II, 12 Jalan Yap Kwan, 50450, Kuala Lumpur or from our unit trust consultant.
     
    You acknowledge that any information that falls outside the designated area of the prospectus in this Site does not form part of the electronic prospectus and that the unit trusts are offered solely on the basis of the information contained in the electronic prospectus.
    For Fund(s) with a Prescribed Period,
     
    (a) Kindly refer to the respective Prospectus(es) for the closing date of the application period;
     
    (b) No units of the Fund(s) will be issued on the basis of the electronic Prospectus(es) after the closing date.
     
    (c) The electronic Prospectus(es) is made available for purely informational and archiving purposes after the closing date.
    DATA, INFORMATION, AND CONTENT
     
    The Materials on this Site are for information, education, and non-commercial purposes only. Although Phillip Mutual may provide data, information, and content relating to investment approaches and opportunities to buy or sell securities and/or mutual funds, you should not construe any such information or other content available through this Site as legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any Materials on this Site before making any decisions based on such Materials. In exchange for using such Materials, you agree not to hold Phillip Mutual or its third-party information providers liable for any possible claim for damages arising from any decision you make based on the Materials made available to you through this Site. By providing access to other Websites, neither Phillip Mutual nor any of its affiliates is recommending the purchase or sale of the stock issued by any company, nor are they endorsing services provided by any Website's sponsoring organization.
    INTERNATIONAL USE
     
    Because of the global nature of the Internet, you agree to comply with all local rules with respect to your account and your online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Site, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, and privacy. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the Malaysia.
     
    Each investment product and service referred to on this Site is intended to be made available only to MALAYSIAN residents. This Site will not be considered a solicitation for or offering of any investment product or service to any person in any jurisdiction where such solicitation or offering would be illegal.
    THIRD-PARTY CONTENT
     
    Data and other materials appearing on this Site that are provided by third parties are believed by Phillip Mutual to be obtained from reliable sources, but Phillip Mutual cannot guarantee their accuracy, timeliness, completeness, or suitability for use. Phillip Mutual is not responsible for, and does not prepare, edit, or endorse, the content, advertising, products, or other materials on or available from any Website owned or operated by a third party that is linked to this Site via hyperlink. The fact that Phillip Mutual has provided a link to a third party's Website does not constitute an implicit or explicit endorsement, authorization, sponsorship, or affiliation by Phillip Mutual with respect to such Website, its owners, providers, or services. You will use any such third-party content at your own risk.
    TIMELINESS OF CONTENT
     
    All content on this Site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
    TERMINATION
     
    The rights granted to you herein terminate immediately upon any violation by you of these Terms of Use. Phillip Mutual, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this Site at any time and for any reason whatsoever, without notice or liability. Phillip Mutual will not be liable to you or any third party for any termination of your access to or use of this Site.
    WARRANTY DISCLAIMERS
     
    YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
     
    YOUR USE OF THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, PHILLIP MUTUAL AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, NONINFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES REGARDING SECURITY, CURRENCY, CORRECTNESS, QUALITY, ACCURACY, COMPLETENESS, RELIABILITY, PERFORMANCE, TIMELINESS, OR CONTINUED AVAILABILITY, WITH RESPECT TO (I) THE SITE; (II) ANY MATERIALS, PRODUCTS, OR SERVICES AVAILABLE ON OR THROUGH THE SITE; (III) USE OF THE SITE, MATERIALS, PRODUCTS, OR SERVICES; AND (IV) THE RESULTS OF THE USE OF THE SITE, MATERIALS, PRODUCTS, OR SERVICES.
     
    FURTHER, PHILLIP MUTUAL AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES WITH RESPECT TO ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF THE MATERIALS, PRODUCTS, OR SERVICES.
     
    EXCEPT AS PROVIDED BY LAW, NEITHER PHILLIP MUTUAL NOR ITS THIRD-PARTY INFORMATION PROVIDERS HAS ANY RESPONSIBILITY TO MAINTAIN THE MATERIALS, PRODUCTS, OR SERVICES OFFERED ON THE SITE OR TO SUPPLY CORRECTIONS, UPDATES, OR RELEASES FOR THE SAME.
     
    TO THE EXTENT ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY HAVE OTHER RIGHTS, WHICH VARY FROM JURISDICTION TO JURISDICTION.
    LIABILITY AND INDEMNITY
     
    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 DOWNLOAD.
     
    NEITHER PHILLIP MUTUAL NOR ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS 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, UNAUTHORIZED ACCESS, SYSTEMS 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 PHILLIP MUTUAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURSIDICTIONS 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, PHILLIP MUTUAL 'S LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.
     
    You agree to indemnify, defend, and hold harmless Phillip Mutual, its affiliates, and each of its and their officers, directors, employees, and agents, from and against all claims, demands, liabilities, damages, losses, or expenses, including attorney's 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.
    SEVERABILITY
     
    If any provision of these Terms of Use is deemed unlawful, void, or unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity and enforceability of the remaining provisions. These Terms of Use represent the entire agreement between you and Phillip Mutual relating to the subject matter herein.
    APPLICABLE LAW AND VENUE
     
    The laws of Malaysia, without regard to principles of conflict of laws, govern these Terms of Use and any dispute that might arise between you and Phillip Mutual. You also agree to submit to the jurisdiction of the Courts of Malaysia.
    CONTACT US
     
    If you have any other questions or would like an alternative method of reaching us, please click Contact Us at the top of our Web page.