1. Eligibility
1.1. Age Requirement
To use the Service, you must be at least 18 years old or the legal age of majority in your jurisdiction. By using the Service, you represent and warrant that you meet the eligibility requirements.
1.2. Account Registration
To access certain features or services within the Service, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, complete, and up-to-date information during the registration process.
2. Service Description
2.1. Financial Services
Annclo Financial Services provides various financial products and services, including but not limited to banking, lending, investment, and insurance services. The specific features and terms of these services may be subject to additional agreements and disclosures.
2.2. Accuracy of Information
While we strive to provide accurate and up-to-date information, the Service’s content, including rates, terms, and other information, may change without notice. Annclo Financial Services does not warrant the accuracy, completeness, or reliability of any information provided through the Service.
3. User Responsibilities
3.1. Proper Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You shall not engage in any fraudulent, illegal, or unauthorized activities, including but not limited to:
a) Impersonating any person or entity or misrepresenting your affiliation with any person or entity;
b) Accessing or using the Service in a manner that could damage, disable, overburden, or impair its functionality;
c) Attempting to gain unauthorized access to any portion of the Service or its related systems or networks;
d) Uploading or transmitting any viruses, malware, or other harmful code.
3.2. Compliance with Laws
You are responsible for complying with all applicable laws, regulations, and industry standards related to your use of the Service.
4. Privacy and Security
4.1. Privacy Policy
Your use of the Service is subject to our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.
4.2. Security Measures
We employ reasonable security measures to protect your information and transactions within the Service. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.
5. Intellectual Property
5.1. Ownership
All intellectual property rights in the Service, including but not limited to its content, logos, trademarks, and software, are the property of Annclo Financial Services or its licensors. You are granted a limited, non-exclusive, and non-transferable license to access and use the Service for personal, non-commercial purposes.
5.2. Restrictions
Except as expressly permitted in these Terms, you may not modify, reproduce, distribute, create derivative works of, publicly display, or otherwise use any content from the Service without our prior written consent.
6. Limitation of Liability
To the fullest extent permitted by applicable law, Annclo Financial Services, its affiliates, officers, directors, employees, agents, and suppliers shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Service.
7. Termination
We reserve the right to suspend or terminate your access to the Service at any time, without prior notice or liability, for any reason, including if you violate these Terms.
8. Changes to the Terms
We may update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the Service. Your continued use of the Service after the posting of revised Terms constitutes your acceptance of the changes.
9. Contact Us
If you have any questions or concerns about these Terms or the Service, please contact us at info@annclo.com.my.
By using the Service, you agree to be bound by these Terms.