Terms and Conditions

General Description

The following states the terms of use (“Terms”) under which you (“You”) may use the Pepitih Sdn Bhd Websites Pepitih.com, Pepitih.com.my, Pepitih.my (Pepitih website), and Your relationship with Pepitih Sdn. Bhd. (“Pepitih”, “we” or “us”). Please read them carefully as they affect Your rights and liabilities under the law. If You do not agree to these Terms, please do not register for or use the Pepitih Website. These Terms are effective as of Feb 14 2019. If You have any questions on the Terms, please do not hesitate to contact us.

Pepitih reserves the right to update and amend this Policy and Notice from time to time. Any material changes will be posted on our website with the updated Privacy Policy and Notice.

1. Definitions

  1. “Terms” means Terms of Use
  2. “Pepitih” means Pepitih Sdn Bhd (1310791-H) or the company operating the Pepitih Website
  3. “Pepitih Website” refers to Pepitih.com, Pepitih.com.my, Pepitih.my or any incarnation of the site owned and maintained by Pepitih
  4. “User”, “Users”, “user” or “users” means a person(s) or entity(s) that is/are accessing the Pepitih Website to read or post relevant related materials or utilizing the Pepitih Website for any reason.
  5. You” or “you” means the person who (or the entity on behalf of whom you are acting) that is agreeing to these Terms.
  6. “User Profiles” means profile created by User that may include personal information and photo.
  7. “User Content” means all information, data, text, software, music, sound, photographs, graphics, video, advertisements, messages or other materials submitted, posted or displayed by Guests on or through Pepitih Website
  8. “Graphics” includes all logos, button icons, and other graphical elements on the Pepitih Website, with the exception of paid advertising banners
  9. “Design” includes the colour combinations and the page layout of the Pepitih Website
  10. “Pepitih Content” includes all Text, Graphics, Design, Programming, information, images, video, audio files, software and other contents used on the Pepitih Website created by Pepitih.
  11. “Programming” includes both client-side code (HTML, JavaScript, etc.) and server-side code (Active Server Pages, VBScript, databases, etc.) used on the Pepitih Website
  12. “Text” includes all text on every page of the Pepitih Website, whether editorial, navigational, or instructional
  13. “Pepitih Database” or “Pepitih Databases” includes all relevant related information posted or uploaded on Pepitih Websites and/or all guests and/or users’ information registered with Pepitih Website.

2. Binding Agreement

  1. Pepitih Website is provided to you for your use subject to the Terms stated herein (“these Terms”). These Terms form a binding agreement between you and Pepitih. By accessing or using the Pepitih Website you are deemed to agree and/or to accept and/or to be bound by these Terms. You agree to use the Pepitih Website at your own risk.
  2. In the case of any conflict between these Terms and any contract you have with Pepitih, these Terms will take precedent.
  3. We may update these Terms from time to time for legal or regulatory reasons or to allow the proper operation of the Pepitih Website. Any changes will be notified to you via the e-mail address provided by you on registration or via a suitable announcement on the Pepitih Website. The changes will apply to the use of the Pepitih Website after we have given you notice. If you do not wish to accept the new Terms you should not continue to use the Pepitih Website. If you continue to use the Pepitih Website after the date on which the change comes into effect, your use of the Pepitih Website indicates your agreement to be bound by the new Terms.

3. Registration (Where applicable)

  1. Some parts of Pepitih Website may require registration. To register on the Pepitih Website you must be 18 years of age or above or has received permission from your parent(s) and/or guardian.
  2. You must ensure that the details provided by you on registration or at any time are correct and complete.
  3. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details in order that we can communicate with you effectively.

4. Password and Security

  1. When you register to use the Pepitih Website you may be asked to create a password. In order to prevent fraud, you must keep this password confidential and must not disclose it or share it with anyone. If you know or suspect that someone else knows your password you should notify us by contacting us here immediately.
  2. If Pepitih has reason to believe that there is likely to be a breach of security or misuse of the Pepitih Website, we may require you to change your password or we may suspend your account.
  3. As a result of your loss of your Password or the misuse of the Pepitih Website:
    1. All losses or damage incurred thereby shall be borne by you; and
    2. You shall fully indemnify Pepitih should Pepitih suffer any losses or damage

5. Availability of the Pepitih Website

  1. Although we aim to offer you the best service possible, we make no promises that the services at the Pepitih Website will meet your requirements.
  2. We cannot guarantee that the Pepitih Website will be fault-free, error-free, or that Pepitih Website and servers are free of viruses or other harmful mechanisms. If a fault occurs with the Pepitih Website you should report it here and we will attempt to correct the fault as soon as we can.
  3. Your access to the Pepitih Website may be occasionally restricted to allow for repairs, maintenance or the introduction of new content, facilities or services. We will attempt to restore access and/or service as soon as we reasonably can.

6. Your Use of the Pepitih Website

  1. Pepitih hereby grants you a limited, terminable, non-exclusive right to access and use Pepitih Website only for your personal use and information purposes.
  2. Pepitih Content, Design, Graphics, Programming, Text and look and feel are owned by Pepitih and are protected by applicable intellectual property and other laws. We and/or our licensors are the owner of these rights, title and interest in and to their applicable contributions to Pepitih Website. You may not print or otherwise make copies of any such content without our express prior permissions.
  3. You may not use the Pepitih Website for any of the following purposes:
    1. Disseminating any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material or otherwise breaching any laws;
    2. Transmitting material that encourages conduct that constitutes a criminal offence, or otherwise breaches any applicable laws, regulations or code of practice;
    3. Interfering with any other person’s use or enjoyment of the Pepitih Website;
    4. Making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner;
    5. Resell or assign your rights or obligations under these Terms. You also agree not to make any unauthorized commercial use of any Pepitih Website;
    6. Violate or attempt to violate the security of any Pepitih Website;
    7. Transmit, post, distribute, store or destroy material, including without limitation Pepitih Content, in violation of any applicable law or regulation, including but not limited to laws or regulations governing the collection, processing, or transfer of personal information, or in breach of Pepitih Privacy Policy;
    8. Post any content or material that facilitates, promotes or endorses scams, false or misleading information or illegal activities, OR endorses or provides instructional information about illegal activities or other activities prohibited by these Terms, such as making or buying illegal materials, violating someone’s privacy, providing or creating computer viruses or pirating media, OR promotes or endorses any political views;
    9. Harass, incite harassment or advocate harassment of any group, company or individual;
    10. Attempt to interfere with service to any Guest and/or User, host or network, including, without limitation, via means of submitting a virus to Pepitih Website, overloading, “flooding”, “spamming”, “mailbombing”, or “crashing”;
    11. Remove any copyright, trade mark or other proprietary rights notice from the Site or materials originating from the Site;
    12. Copy, frame, repurpose or mirror any part of the Site without our express prior written consent;
    13. Pepitih is under no obligation to monitor the User Materials on Pepitih Website, but Pepitih may monitor the User Materials at random;
    14. Violate network security that may result in civil and/or criminal liability. Pepitih will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting Users who are involved in such violations;
    15. Use the Pepitih Website for any unlawful purpose or illegal activity, or post or submit any content, profile, materials, that is/are defamatory, libelous, implicitly or explicitly offensive, vulgar, obscene, threatening, harassing, abusive, hateful, racist, discriminatory, of a menacing character or likely to cause annoyance, inconvenience, embarrassment, anxiety or could cause harassment to any person or include any links to pornographic, indecent or sexually explicit material of any kind, as determined by Pepitih’s discretion.

7. Additional Terms Applicable to Users

  1. You are responsible for maintaining the confidentiality of your User account, User Profiles and passwords, as applicable.
  2. You may not share your password or other account access information with any other party, temporarily or permanently, and you shall be strictly liable and/or responsible for all uses of your Pepitih Website registrations and passwords, whether or not authorized by you.
  3. You agree to immediately notify Pepitih of any unauthorized use of your user account, User Profiles or passwords.
  4. User represents, warrants and covenants that any User Materials provided by User for use in connection with Pepitih Website will not violate any laws or regulations or third-party proprietary rights, including, without limitation, copyright, trade mark, obscenity, rights or publicity or privacy, and defamation laws.
  5. Users are solely responsible for the User Materials on Pepitih Website. Pepitih is not to be considered a user with respect to your use of any Pepitih Website, Pepitih Content or services.

8. User Content and Submissions

  1. You understand that all User Content is the sole responsibility of the person from which such User Content originated.
  2. You understand and acknowledge that all information provided by you, your User Profile and/or account information shall be stored in Pepitih Databases.
  3. Pepitih may review and remove any User Content that, in its sole judgment, violates these Terms, violates applicable laws, rules or regulations, is abusive, disruptive, offensive or illegal, or violates the rights of, or harms or threatens the safety of, Users of any Pepitih Website. Pepitih reserves the right to expel Users and prevent their further access to the Pepitih Website and/or use of our services for violating the Terms or applicable laws, rules or regulations. Pepitih may take any action with respect to User Content that it deems necessary or appropriate in its sole discretion if it believes that such User Content could create liability for Pepitih, damage Pepitih’s brand or public image, or cause Pepitih to lose Users or viewership.
  4. Pepitih does not represent or guarantee the truthfulness, accuracy, or reliability of User Content, derivative works from User Content, or any other communications posted by Users nor does Pepitih endorse any opinions expressed by Users. You acknowledge that any reliance on material posted by other Users will be at your own risk.

9. Pepitih’s Right to Suspend or Cancel Your Registration

  1. We may suspend or cancel your registration immediately at our reasonable discretion or if you breach any of your obligations under these Terms.
  2. You can cancel your registration at any time by informing us in writing here. If you do so, you must stop using the Pepitih Website.
  3. The suspension or cancellation of your registration and your right to use the Pepitih Website shall not affect either party’s statutory rights or liabilities.

10. Term and Termination

  1. These Terms will remain in full force and effect while you are a user of any Pepitih Website.
  2. Pepitih reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to removal of your User Content from the Pepitih Website and immediate termination of your registration with or ability to access the Pepitih Website and/or any other services provided to you by Pepitih, upon any breach by you of these Terms or if Pepitih is unable to verify or authenticate any information you submit to a Pepitih Website registration.
  3. Even after you are no longer a User of the Pepitih Website, certain provisions of these Terms will remain in effect.

11. Pepitih Privacy Policy Notice

  1. In the course of you using this Site, we may collect and use information about you in accordance with our Privacy Policy and Notice

12. Pepitih’s Liability

  1. Pepitih Websites act as, among other things, a source for providing personal finance news and information.
  2. All information by Pepitih or Pepitih Content is on an ‘as is’ and ‘as available’ basis. Some policies, rates, etc by relevant authorities and entities such as financial institutions covered in some Pepitih Content and Text may change over time. Please check with the relevant authorities and organisations.
  3. Pepitih reserves the right in its sole discretion to remove, update or edit any User Content or Pepitih Content on the Pepitih Website from time to time.
  4. Pepitih Website and Pepitih Content may contain inaccuracies or typographical errors. Pepitih makes no representations about the accuracy, reliability, completeness, or timeliness of any Pepitih Website or the Pepitih Content. The use of all Pepitih Website and the Pepitih Content is at your own risk.
  5. Nothing on Pepitih Website shall be considered an endorsement, representation or warranty with respect to any User or third party, whether in regards to its web sites, products, services, hiring, experience, employment or recruiting practices, or otherwise.
  6. Our liability shall not in any event include business losses such as lost data, lost profits or business interruption.

13. Disclaimers

  1. Pepitih shall not be liable for any loss of information howsoever caused as a result of any interruption, suspension or termination of Pepitih Website or for Pepitih Content, accuracy or quality of information available or transmitted through our services.
  2. You acknowledge and agree that it is not Pepitih’s policy to exercise editorial control over and to edit or amend any data or contents of any emails or posting or any information that may be inserted or made available or transmitted to or from a third party in or through Pepitih Website and/or our services.

14. Indemnity

  1. You agree to defend, indemnify, and hold harmless Pepitih, and its affiliates, and their respective officers, directors, employees, and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from:
    1. any User Content or other material you provide to any Pepitih Website;
    2. Your use of any Pepitih Content; or
    3. Your breach of these Terms.
    4. Pepitih shall provide notice to you promptly of any such claim, suit or proceeding.

15. Applicable Law

  1. These Terms will be subject to the laws of Malaysia.
  2. We will try to solve any disagreements quickly and efficiently. If you are not happy with the way we deal with any disagreement and you want to take court proceedings, you must do so within Malaysia.

16. International Use

  1. We make no promise that materials on the Pepitih Website are appropriate or available for use in your location, and accessing the Pepitih Website from territories where its contents are illegal or unlawful is prohibited. If you choose to access this Pepitih Website from your location, you do so on your own initiative and are responsible for compliance with local laws.

17. Miscellaneous

  1. You may not transfer any of your rights under these Terms to any other person. We may transfer our rights under these Terms to another business where we reasonably believe your rights will not be affected.
  2. If you breach these Terms and Pepitih chooses to ignore this, Pepitih will still be entitled to use its rights and remedies at a later date or in any other situation where you breach the Terms.
  3. Pepitih shall not be responsible for any breach of these Terms caused by circumstances beyond its reasonable control.
  4. If any of these Terms shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, the invalidity or unenforceability of such provision shall not affect the other provisions of these Terms and all provision not affected by such invalidity or unenforceability shall remain in full force and effect.

18. General

  1. The Pepitih Website is owned and operated by Pepitih Sdn. Bhd. (1310791-H).
  2. If you have any queries please contact us here (hello@pepitih.com)
  3. Notices to Pepitih should be sent to the address listed on Pepitih Website.
  4. We will send notice to you at the address submitted by you or to such other address as Pepitih reasonably determines is an appropriate address for you.
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