Terms and Conditions of Use

These Terms and Conditions of Use ("Terms") govern your access to, and use of the website located at https://albertstein.co/ ("Website"), which is owned and operated by Albertstein Sdn. Bhd. (Company No. 202601014045 (1676143-K)) ("Albertstein Sdn Bhd", "Company", "we", "us", or "our").

Please read these Terms carefully before accessing or using the Website.

By accessing, browsing, registering for, or otherwise using the Website, you acknowledge that you have read, understood, and agree to be legally bound by these terms and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue your use of the Website.

This Website is owned and operated by Albertstein Sdn Bhd. We reserve the right, at our sole discretion, to change, modify, add, or remove portions of these Terms at any time and for any reason. We encourage you to review these Terms periodically for changes.

Any changes made to these Terms will become effective immediately upon being posted on this website. By continuing to access or use our Website after changes have been posted, you acknowledge and agree to be bound by the revised Terms and Conditions.

Disclaimer

The information provided on this Website is intended solely for general informational and educational purposes.

Nothing contained on this Website constitutes or should be construed as:

• investment advice;
• trading advice;
• financial advice;
• legal advice;
• tax advice;
• accounting advice;
• regulatory advice;
• insurance advice; or
• professional advice of any kind.

Nothing on this Website constitutes or shall be construed as an offer, invitation, solicitation, recommendation or endorsement by Albertstein Sdn Bhd to buy, sell, subscribe for, hold or otherwise deal in any shares, stocks, securities, bonds, exchange-traded funds (ETFs), unit trusts, mutual funds, derivatives, options, futures, contracts for difference (CFDs), foreign exchange products, commodities, cryptocurrencies or any other financial instruments ("Financial Instruments").

The information published on this Website should not be relied upon as the sole basis for making any investment, trading or financial decision. You should seek independent professional advice appropriate to your financial objectives, investment experience, risk tolerance and personal circumstances before making any investment or trading decision.

Any market commentary, research, analysis, opinions, forecasts, valuations, price targets or other information published on the Website are provided solely for informational purposes. Such information:

• does not constitute investment research under applicable laws;
• should not be interpreted as personalised investment advice;
• does not recommend or endorse any particular Financial Instrument, investment strategy or trading strategy; or
• does not take into account your individual financial objectives, investment experience, risk tolerance or personal circumstances.

Albertstein Sdn Bhd does not act as your financial adviser, investment adviser, broker, dealer or fiduciary by providing access to the Website.

No Financial Instrument shall be offered or sold in any jurisdiction where doing so would be unlawful under applicable laws or regulations. Persons accessing this Website from jurisdictions outside Malaysia are responsible for ensuring compliance with all local laws and regulatory requirements.

The investments, trading strategies, securities, shares, stocks and other Financial Instruments discussed on this Website may not be suitable for all investors or traders and are not obligations of, or guaranteed by, Albertstein Sdn Bhd or any of its affiliates. Albertstein Sdn Bhd makes no representation or warranty that any investment, trading strategy, Financial Instrument, product or service discussed on this Website is suitable, available or appropriate for any particular person, jurisdiction or country. The availability of any Financial Instrument or service is subject to applicable laws and regulatory restrictions.

All investments and trading activities involve substantial risk and may result in the partial or total loss of capital. The value of shares, stocks, securities and other Financial Instruments may rise or fall due to market conditions, economic developments, interest rate movements, credit events, issuer performance, liquidity constraints, currency fluctuations and other factors.

Fixed income investments are subject to, among others, interest rate risk, credit risk, market risk, issuer risk and liquidity risk. Foreign exchange fluctuations may adversely affect the value of investments, trading positions and returns.

Alternative investments and trading strategies may involve significantly higher risks than traditional investments. They may employ leverage, derivatives and speculative investment techniques, resulting in greater volatility and potentially magnified gains or losses. Such strategies may also involve higher fees, reduced liquidity and lower tax efficiency.

Past performance is not indicative of and should not be relied upon as a guarantee or predictor of, future performance or results.

Before acquiring shares, stocks, units or interests in any investment fund or other Financial Instrument, whether by purchase, subscription, exchange or otherwise, you are responsible for carefully reading and understanding the relevant prospectus, offering document, product disclosure statement and any other applicable offering materials.

This Website is provided solely for informational purposes and is not intended to be relied upon as investment research, trading advice, financial advice, a forecast or a recommendation to buy, sell or hold any Financial Instrument or adopt any investment or trading strategy.

Although Albertstein Sdn Bhd believes that the information contained on this Website has been obtained from sources considered reliable and endeavours to keep such information current, Albertstein Sdn Bhd makes no representation or warranty, whether express or implied, that any information, data, analysis or opinion is accurate, complete, reliable, current or suitable for any purpose. Any opinions expressed are subject to change without notice and may differ from subsequent views or market developments.

You are solely responsible for any decisions made based on information obtained from this Website.

This Website and all information, content and services made available through it are provided on an "AS IS" and "AS AVAILABLE" basis without any representation, warranty or guarantee of any kind, whether express, implied or statutory.

To the fullest extent permitted by applicable law, Albertstein Sdn Bhd expressly disclaims all warranties, whether express, implied, statutory or otherwise, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, availability, reliability, and uninterrupted operation.

Albertstein Sdn Bhd does not warrant that this Website, its servers or any content are free from viruses, malware or other harmful components, or that defects or errors will be corrected. Albertstein Sdn Bhd shall not be responsible for any errors, omissions, interruptions, delays or inaccuracies in the information contained on this Website or for any loss arising from the use of, or reliance upon, such information.

Trademarks, Copyrights and other Intellectual Property

Unless otherwise stated, all content, materials and information available on this Website, including but not limited to text, articles, research, data, graphics, charts, images, photographs, illustrations, videos, audio, software, source code, website design, layout, user interface, databases, logos, trademarks, service marks, trade names and other intellectual property (collectively, the "Content") are owned by or licensed to Albertstein Sdn Bhd or its third-party licensors and are protected by applicable copyright, trademark and other intellectual property laws.

The Content is provided solely for your personal, lawful and non-commercial use. Except as expressly permitted by applicable law or with the prior written consent of Albertstein Sdn Bhd, you must not:

• copy, reproduce, republish or redistribute any Content;
• modify, adapt, translate or create derivative works from the Content;
• transmit, display, publish, sell, license, rent or commercially exploit any Content;
• frame, mirror or deep-link to this Website or any part of its Content;
• remove, alter or obscure any copyright, trademark or proprietary notices; or
• use the Content in any manner that infringes the intellectual property or proprietary rights of Albertstein Sdn Bhd or any third party.

All trademarks, service marks, trade names, logos and branding displayed on this Website are the exclusive property of Albertstein Sdn Bhd or their respective owners. Nothing contained on this Website shall be construed as granting, whether by implication, estoppel or otherwise, any licence or right to use any trademark, service mark, trade name or logo without the prior written consent of Albertstein Sdn Bhd or the relevant intellectual property owner.

The unauthorised use, reproduction or distribution of any images, graphics, photographs or other visual materials displayed on this Website is strictly prohibited and may constitute a violation of copyright, trademark, privacy, publicity and other applicable laws.

If you download or access any Content from this Website, you acknowledge and agree that you acquire no ownership or intellectual property rights in such Content. You further agree not to copy, reproduce, distribute, modify, publish, transmit, reverse engineer, decompile, extract, remove or obscure any copyright notices, proprietary legends or other intellectual property notices contained in or accompanying the Content.

Any unauthorised use of the Content or this Website may result in civil and/or criminal liability under applicable intellectual property and other laws. Albertstein Sdn Bhd reserves all rights not expressly granted in these Terms.

Links to Third-Party Websites

This Website may contain links to websites, platforms or online services operated by third parties ("Third-Party Websites"). These links are provided solely for your convenience and informational purposes.

Albertstein Sdn Bhd does not own, operate or control any Third-Party Website and is not responsible for the availability, content, accuracy, security, products, services or information contained on any Third-Party Website.

The inclusion of any link to a Third-Party Website does not constitute or imply any endorsement, approval, recommendation, sponsorship or affiliation by Albertstein Sdn Bhd of the relevant website, its operator, or any products or services offered through it.

Your access to and use of any Third-Party Website is entirely at your own risk and is subject to the terms of use, privacy policies and other applicable conditions of those websites. Albertstein Sdn Bhd accepts no responsibility or liability for any loss or damage arising from or relating to your access to or use of any Third-Party Website, including the collection, use or disclosure of your personal information by such websites.

Links to Albertstein Sdn Bhd Websites

You may not create, display, frame, mirror or maintain any hyperlink to this Website or any website owned or operated by Albertstein Sdn Bhd without Albertstein Sdn Bhd's prior written consent.

Any approved hyperlink must not:

• imply any sponsorship, endorsement or affiliation where none exists;
• misrepresent your relationship with Albertstein Sdn Bhd;
• damage or dilute the reputation or goodwill of Albertstein Sdn Bhd; or
• display any Albertstein Sdn Bhd content in a framed, embedded or misleading manner.

Access to this Website does not grant you any right or licence to use Albertstein Sdn Bhd name, logo, trademarks, service marks, trade names, copyrighted materials or other intellectual property without prior written permission.

Requests to link to this Website should be submitted to "guanleng@albertstein.co".

Electronic Communications

Electronic communications transmitted over the internet are not always secure and may be intercepted, delayed, corrupted, lost or accessed by unauthorised parties. Accordingly, Albertstein Sdn Bhd does not guarantee the confidentiality, security or integrity of any communication sent to or received from this Website.

You should avoid transmitting confidential, proprietary or sensitive information through this Website unless appropriate security measures have been implemented.

Except where prohibited by law or otherwise agreed in writing, any feedback, suggestions, ideas, comments, proposals or other non-confidential information submitted through this Website may be used, reproduced, modified, published or incorporated by Albertstein Sdn Bhd for any lawful purpose without restriction or compensation.

Albertstein Sdn Bhd reserves the right, at any time and without prior notice, to modify, suspend, restrict or discontinue all or any part of this Website, including its content, features, functionality or availability. Albertstein Sdn Bhd shall not be liable for any loss or damage arising from any such modification, suspension or discontinuation.

Privacy Policy

Your use of this Website is also governed by Albertstein Sdn Bhd's Personal Data and Privacy Policy, which forms part of these Terms and is incorporated by reference. The Privacy Policy explains how Albertstein Sdn Bhd collects, uses, stores, discloses and protects your personal information in accordance with applicable laws. By accessing or using this Website, you acknowledge that you have read and understood the Privacy Policy. Please click here to read Albertstein Sdn Bhd's Personal Data and Privacy Policy. (create a hyperlink)

Electronic Communications and Marketing

Where you have consented to receive newsletters, marketing communications or other electronic communications from Albertstein Sdn Bhd, you may withdraw your consent at any time by using the "Unsubscribe" link included in the relevant communication or by contacting Albertstein Sdn Bhd directly. Albertstein Sdn Bhd reserves the right to discontinue, modify or suspend any electronic communication service at any time without prior notice.

Limitation of Liability

To the fullest extent permitted by applicable law, Albertstein Sdn Bhd, its affiliates, subsidiaries, directors, officers, employees, representatives, agents, licensors and service providers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary or punitive loss or damage whatsoever, including without limitation loss of profits, trading losses, loss of revenue, loss of opportunity, business interruption, loss of goodwill, loss of anticipated savings, corruption or loss of data, whether arising in contract, tort (including negligence), statute or otherwise, arising from or in connection with:

• your access to, inability to access or use of this Website;
• your reliance on any information or materials contained on this Website;
• any interruption, delay, error, omission or malfunction of this Website;
• any virus, malware, cyberattack or other harmful component affecting this Website; or
• your access to or use of any third-party website linked from this Website, even if Albertstein Sdn Bhd has been advised of the possibility of such loss or damage.

Timeliness of Information

Unless otherwise stated, all information, materials and content on this Website are current only as of the date of publication or the date otherwise indicated. Information may become outdated or be superseded by subsequent market developments, regulatory changes or other events. Albertstein Sdn Bhd is under no obligation to update any information on this Website unless required by applicable law.

Prohibited Use

You agree not to use this Website in any manner that is unlawful or prohibited by these Terms. Without limitation, you must not:

• interfere with, disrupt or impair the operation, security or functionality of this Website or any server or network connected to it;
• overload, damage or attempt to gain unauthorised access to any systems, networks, accounts or data belonging to Albertstein Sdn Bhd;
• use any robot, spider, scraper, crawler, artificial intelligence tool, automated software, data mining tool or other automated process to access, monitor, extract, copy or index any part of this Website without Albertstein Sdn Bhd's prior written consent;
• introduce any virus, malware, ransomware, Trojan horse or other malicious code;
• circumvent or attempt to circumvent any security feature, authentication mechanism or access control implemented by Albertstein Sdn Bhd;
• use Albertstein Sdn Bhd's name, trademarks, logos, executive names or branding as metatags, hidden text, keywords or search engine optimisation techniques without prior written consent;
• create any false impression of affiliation, sponsorship, endorsement or partnership with Albertstein Sdn Bhd;
• use any content from this Website for any unlawful, misleading or fraudulent purpose; or
• otherwise violate any applicable law or regulation.

Account Security

Where access to any part of this Website requires a username, password, PIN or other authentication credentials, you are solely responsible for maintaining the confidentiality and security of those credentials. You are responsible for all activities conducted using your account or credentials. You must notify Albertstein Sdn Bhd immediately upon becoming aware of any actual or suspected unauthorised access, disclosure, loss, theft or misuse of your account or login credentials. Albertstein Sdn Bhd reserves the right to suspend or terminate your account where it reasonably believes that your account security has been compromised.

Indemnity

You agree to indemnify and hold harmless Albertstein Sdn Bhd and any of our owners, subsidiaries, affiliated companies, employees, shareholders, directors, licensors, officers, consultants and agents, from and against any claims, suits, proceedings, disputes, demands, liabilities, damages, losses, costs and expenses, including, without limitation, reasonable legal and accounting fees (including and without limited to cost of defence of claims, suits or proceedings brought against Albertstein Sdn Bhd), in any way related to your access to or use of Albertstein Sdn Bhd or the Service or your breach of any of these Terms.

System Availability

Albertstein Sdn Bhd does not warrant that this Website will operate uninterrupted, error-free or free from defects, viruses or other harmful components. Internet interruptions, telecommunications failures, system maintenance, software defects and other technical issues may affect the availability or accuracy of this Website. Albertstein Sdn Bhd shall not be liable for any delay, interruption, transmission failure, corruption, omission or loss of information resulting from such events.

Suspension and Termination

Albertstein Sdn Bhd reserves the right, at its sole discretion and without prior notice, to suspend, restrict or terminate your access to all or any part of this Website at any time if Albertstein Sdn Bhd believes that you have breached these Terms, violated applicable law or engaged in conduct that may adversely affect Albertstein Sdn Bhd, its users or the Website. Termination shall not affect any rights or obligations that accrued prior to termination.

Waiver

No failure or delay by Albertstein Sdn Bhd in exercising any right, power or privilege under these Terms shall constitute a waiver thereof, nor shall any single or partial exercise thereof preclude any other or future exercise of any right, power or privilege.

Entire Agreement

These Terms, together with the Personal Data and Privacy Policy and any other policies or notices expressly incorporated by reference, constitute the entire agreement between you and Albertstein Sdn Bhd relating to your access to and use of this Website and supersede all prior communications or understandings relating to the same subject matter.

Severability

If any provision of these Terms is determined by a court of competent jurisdiction to be unlawful, invalid or unenforceable, that provision shall be deemed severed to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Changes and Corrections

Albertstein Sdn Bhd reserves the right to make any changes and corrections to these Terms at any time, and the most current version will always be posted on our website. By continuing to access or use the Website after any revisions become effective, you agree to be bound by the revised Terms of Use. Please refer to this page from time to time to review these Terms and any additional terms or information.

Governing Law and Jurisdiction

These Terms of Use and any claim, cause of action, or dispute arising out of or in connection with the use of the Website shall be governed by and construed in accordance with the laws of Malaysia, without giving effect to any conflict of laws principles. The courts of Malaysia shall have exclusive jurisdiction to hear and determine any dispute arising out of or in connection with these Terms of Use or the use of the Website.

Dispute Resolution

The parties shall use their best endeavours to resolve amicably any claim or dispute arising out of or in connection with the use of the Website through good faith negotiations. If the dispute cannot be resolved through such negotiations within a reasonable period, either party may commence legal proceedings in the courts of Malaysia, which shall have exclusive jurisdiction over the dispute.

Contact Information

If you have any questions, comments, or concerns regarding these Terms and Conditions, please contact us at guanleng@albertstein.co or write to us at Albertstein Sdn Bhd Sdn. Bhd.