Terms of Use

Your use of this website www.ram.com.my ("Site") is controlled by these Terms of Use. By entering this Site and through your use of this Site, you agree to these Terms of Use. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE EXIT FROM THIS SITE.

By using the Site, you represent you are 18 or older and that you agree to and will abide by all of the terms and conditions of these Terms of Use. You expressly consent to having RAM Group, our, agents, or representatives, contact you about your inquiry by text message, SMS, email, or phone to the residential or cellular telephone number you have provided.

1. OWNERSHIP OF SITE
RAM Holdings Berhad and its subsidiaries and associate company (collectively “RAM Group” “RAM” "we," "us," "Company," or "our") owns and operates this Site. You (or interchangeably referred to as “User”) acknowledge and agree that all content, web pages, source code, calculations, products, materials, data, information, text, screen, functionality, services, design, layout, screen interfaces, "look and feel”, and the operation of this Site (collectively, "Site Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks, and you do not acquire any rights by downloading or viewing any Site Content.

You agree that RAM Group and all logos related to our products and Services are ours or our licensors' trademarks or registered trademarks. You may not copy, imitate or use them without our prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks and/or trade dress. You may not copy, imitate, or use them without our prior written consent.

2. PRIVACY POLICY
This Site and your personal information processed shall be governed by RAM Group Privacy Notice and you confirm that you have read, understood and agree to be bound by the Privacy Notice (which can be viewed at https://www.ram.com.my/policies). You agree and consent that RAM Group (including our officials, employees, agents and any other persons whom we grant access) can use and process your records. For avoidance of doubt, the said Privacy Notice shall be deemed to be incorporated into this Terms of Use.

3. INTELLECTUAL PROPERTY OWNERSHIP
The materials, information and data displayed as well as any applications contained in this Site ("Contents"), are protected by copyright, trade mark and/or other intellectual property laws, unless where expressly indicated to the contrary. All rights, titles and interests pertaining to the Contents are owned, licensed to or controlled by RAM Group.

The logos of RAM®, LECA® and R1ESGo® and other marks used by RAM Group are proprietary to RAM Group. All other marks, trade names, product names and logos contained in this Site are used purely in editorial fashion only without any intention for infringement, and inure to the benefit of the respective owners. Users are strictly prohibited from copying, storing, downloading, transmitting, transferring, publishing, reproducing, broadcasting, displaying, distributing, selling, licensing any part of the Contents to any third person whether for commercial purposes, for pecuniary gain or otherwise, without the prior written consent of RAM Group. The prohibition shall also apply to creation of derivative work.

4. DISCLAIMER
The materials and information in this Site are provided on an "as is" and "as available" basis. References to material and information contained in this Site include such material and information provided by third parties.

Whilst efforts are put in place to ensure accuracy and timeliness, RAM Group does not make any express or implied warranties, representations or endorsements, including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, currentness, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of the Site, the material, information and/or functions therein and expressly disclaims liability for errors and omissions in such materials, information and/or functions. Without derogation of the above and/or the terms and conditions of the applicable agreements governing all the products and services of the RAM Group, reasonable measures will be taken by RAM Group to ensure the accuracy and validity of all information relating to transactions and products of RAM Group which originate exclusively from RAM Group.

RAM Group does not warrant or represent that the access to the whole or part(s) of this Site will be uninterrupted or free from errors. Neither do we warrant that the use of this Site is free from viruses or other contaminating or destructive properties.

The Contents are provided for informative purposes only and is not intended to provide investment advice of any form and shall not at any time be relied upon as such.

RAM Group shall not be liable for any loss, claims and damages arising from reliance by Users on such information. You are advised to conduct your own research and seek independent professional advice prior to taking any investment or investment related decisions.

5. SUBSCRIPTION
Subscribed Services. A Subscriber shall be a user who has paid for access to Subscribed Services. RAM Group grants to the Subscriber the non-exclusive, non-transferable right to access and use the Subscribed Services and provide the Subscribed Services to the Subscriber and its Authorised Users as determined under any Agreement.

Trial Access. RAM Group may at its discretion grant access to Subscribed Services on a trial basis which shall be a non-exclusive, non-transferable, revocable right to access and use for a definite access period as determined by RAM Group, subject to the Terms of Use.

Restrictions on Use of Subscribed Services. The Subscriber may not: 1) abridge, modify, translate or create any derivative work based on the Subscribed Services; 2) remove, obscure or modify in any way any copyright notices, other notices or disclaimers as they appear in the Subscribed Services; or 3) substantially or systematically reproduce, retain or redistribute the Subscribed Services.

Sign in and Passwords.

Authentication

Access to the Subscribed Services will be authenticated using Internet Protocol (“IP”) address(es) and/or usernames and passwords.

Protection from Unauthorised Access and Use

Subscriber will use reasonable efforts to:

limit access to and use of the Subscribed Services to its Authorised Users and notify all Authorised Users of the usage restrictions set forth in these Terms of Use and that they must comply with such restrictions.
issue any passwords or credentials used to access the Subscribed Services only to its Authorised Users and ensure that the passwords or credentials are not disclosed to any third party.
promptly, upon becoming aware of any unauthorised use of the Subscribed Services, to inform RAM Group and take appropriate steps to terminate such activity and prevent any recurrence.

Suspension. In the event of any unauthorised use of the Subscribed Services, RAM Group may suspend the access and/or require that the Subscriber to suspend the access from where the unauthorised use occurred.

Fees and Payment Terms. The Subscribed Services will be made available, provided all subscriber fees and applicable taxes have been paid.

Unless otherwise provided in writing, the currency of account and currency of payment for any sum to be paid by the Subscriber to RAM Group will be Ringgit Malaysia.
Fees will be exclusive of any applicable taxes imposed by relevant authorities on the Subscribed Services. All taxes shall be borne by the Subscriber.

Term. Subject to any written agreement, the Subscription will commence on the date of payment of all fees and taxes. No refund for any termination/cancellation.

6. RAM GROUP’S PERFORMANCE OBLIGATIONS ON SUBSCRIBED SERVICES

Access to Subscribed Services	RAM Group will make the Subscribed Services accessible to you as a Subscriber from the Internet address at www.ram.com.my or analytics.ram.com.my, where applicable.
Quality of Service	RAM Group will use reasonable efforts to provide the Subscribed Services with a quality consistent with industry standards, and the Subscriber agrees and declares that the subscribed services are provided “as is” and RAM Group expressly disclaim all warranties and representations of any kind to the extent permitted by applicable law with regard to the Subscribed Services and any other data, documentation or materials provided in connection with the subscribed services, including but not limited to any errors, inaccuracies, omissions, or defects contained therein, and any implied or express warranty as to merchantability or fitness for a particular purpose.
Withdrawal of Content	RAM Group reserves the right to withdraw, amend and change the Contents of the Subscribed Services.
Usage Data Reports	RAM Group has the right to monitor the Subscriber’s usage activity for the purpose of usage analysis of the Subscriber/Authorised Users.

7. GENERAL

Compliance of Law	You shall comply with all applicable laws, rules, regulations and guidelines governing the duties, obligations and business practices of the Parties, including but not limited to compliance with the Malaysian Anti-Corruption Commission Act 2009, Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, and any subsequent additions, amendments or revisions thereto, and shall obtain all approvals, consents, authorisations and licenses whatsoever which are deemed necessary for its operations. You shall throughout the course of this Agreement comply with and take reasonable measures to ensure that any other parties acting on the Subscriber's behalf (including its related companies, associates, affiliates, connected persons and/or employees) comply with all applicable laws, statutes, and regulations relating to anti-bribery and anti-corruption both domestic and foreign. The Subscriber shall maintain in place throughout the term of this Agreement, its own policies and procedures to ensure compliance with anti-bribery and anti-corruption laws, statutes, and regulations. The Subscriber shall immediately report to the relevant authority and to RAM Group any offer, request, or demand for any undue financial or other advantage of any kind made by or received from RAM Group or any party acting on behalf of RAM Group and/or from any officials in the public or private sector, customers, and suppliers (in connection with this Agreement).
Notices	The Subscriber agrees to send all notices to RAM Group at publications@ram.com.my on matters related to the Subscribed Services or to communications@ram.com.my
Confidentiality	The Subscriber and its employees, officers, directors and agents will maintain as confidential and not disclose the financial terms and commercial conditions to any third party, without RAM Group’s prior written consent or except as required by law.
Force Majeure	RAM Group’s delay or failure to perform any provision of the Subscribed Services and any terms of these Terms of Use as a result of circumstances beyond its control (including but not limited to war, strikes, fires, floods, power failures, telecommunications or internet failures or damage to or destruction of any network facilities or servers or unauthorised access to or breach of our server and network facilities) will not be deemed a breach of these Terms of Use by RAM Group.
Severability	The invalidity or unenforceability of any provision of these Terms of Use will not affect any other provisions. Any rights not expressly granted herein are reserved.
Assignment	You will not assign, transfer or license any of your rights or obligations in respect of the Subscribed Services unless there is prior written consent from RAM Group.
No Partnership	Nothing in these Terms of Use shall create or be deemed to create a partnership or the relationship of principal and agent between the parties, and the Subscriber shall have no authority to make any representation or warranty on RAM Group’s behalf.
Governing Law and Venue	These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia, without regard to conflict of law principles, and you hereby consent to the exclusive jurisdiction of the Courts of Malaysia with respect to any action or suit arising out of or pertaining to use of this Site.
Termination	RAM Group may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of the RAM Group, of any other user, or of any third party.
Exclusion of Liability	RAM Group and/or its business partners herein shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages, or loss profits or savings arising in connection with your access or use or the inability to access or use of this Site (or any third party link to or from the RAM Group's Site), reliance on the information contained in the Site, any technical, hardware or software failure of any kind, interruption, error, omission, delay in operation, computer viruses, or otherwise. This exclusion clause shall take effect to the fullest extent permitted by law.