Terms Of Use

TERMS AND CONDITIONS

1.Introduction
Welcome to Asia Pacific Investment Bank Ltd (“APIB”) (“Company” “We” “our” “us”)!
APIB is a company incorporated under the Labuan Companies Act 1990 and is regulated by the Labuan Financial Services Authority.
The products and services as stated in our website are available at our discretion and are subject to specific product and service terms and conditions.
In the event of conflict between these terms and conditions (“Terms and Conditions”) and the specific product and service terms and conditions, the specific terms and conditions applicable to the relevant product and service shall prevail.
We only offer products and services available on our site in jurisdictions where we may lawfully do so.
Depending on the laws and regulations of your country, region or area, the full range of products or services may not be available in your country, region or area.
We may withdraw or revise any products and services from our site at any time without prior notification.
The information and material on this site is not an advice or recommendation for products or financial services.
Any action by you signifying your agreement or instruction to us in relation to your purchase or subscription or other decisions concerning our products or services may constitute a valid electronic signature of yours.

2.Use of this site
Our website www.apdib.com contains herein information on us and the products and financial services offered by us and include links to our local websites and other sub-sites (collectively “Local Site(s)”).
Your use of this site is governed by these Terms and Conditions and our Privacy Policy located at www.apdib.com (together or individually “Service”) operated by APIB.
Our Privacy Policy also governs your use of our service and explains how we collect, safeguard and disclose information that results from your use of our web pages.
Your agreement with us includes these Terms and Conditions and our Privacy Policy (“Agreements”). Your use of this site constitutes an acknowledgement that you have read, understood, and acceptance to be bound by the Agreements.
If you do not agree with (or cannot comply with) the Agreements, then you may not use the service, but please let us know by emailing at www.apdib.com so we can try to find a suitable solution. These Terms and Conditions shall apply to all visitors, users and others who wish to access or use our service.

3.Personal Data
Our Privacy Policy may be amended or replaced from time to time. You should check for any updates of our Privacy Policy. Please read our Privacy Policy carefully before inputting or uploading any of your data on this site. By using this site, you must have read and understand our Privacy Policy and consent to us handling and disclosing your personal data, including sensitive personal data in accordance with our Privacy Policy.
To protect the privacy and confidentiality of you and others, please think carefully before you input or upload any private or confidential information of any person, including, but not limited to, personal image or data, account or credit card number, user ID or password, onto or via this site.

4.Communications
By using our service, you hereby agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by emailing at apibank@apdib.com.

5.Cookies
In these Term and Conditions, the term “Cookies” refers to cookies, pixels, and similar technologies that may be used by APIB.
In particular, Cookies are small data files which are placed on your computer or mobile or other electronic devices when you access our website or online information.
The Cookies function helps us to improve our services to you through personalization and also reduce internet security frauds.
If you do not agree to our use of cookies, you may disable cookies on your device or do not use this site.

6.Content
All content including information, introductions, presentations, statements, webpages, messages, photos, pictures, sound etc (“Content”) found on or through this service are the property of APIB or used with permission. You may not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us. You are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via this site.
We including our suppliers, vendors, holding, subsidiary, affiliates, officers, agents or employees, will not be liable in any way for any Content including any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via our site.

7.Prohibited Uses
You may only use the service for lawful purposes and in accordance with the Terms and Conditions. You agree not to use my service.
0.1. In any way that violates any applicable national or international law or regulation.
0.2. For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
0.3. To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter” “spam.” or any other similar solicitation.
0.4. To impersonate or attempt to impersonate APIB, APIB’s employee, another user, or any other person or entity.
0.5.In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, Illegal, fraudulent, or harmful purpose or activity.
0.6. To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the service, or which, as determined by us, may harm or offend APIB or users of service or expose them to liability.

Additionally, you agree not to:
0.1. Use service in any manner that could disable, overburden, damage, or impair service or interfere with any other party’s use of service, including their ability to engage in real time activities through service.
0.2.Use any robot, spider, or other automatic device, process, or means to access service for any purpose, including monitoring or copying any of the material on service.
0.3. Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.
0.4. Use any device, software, or routine that interferes with the proper working of Service.
0.5.Upload or install any viruses, trojan horses, worms, logic bombs, or other Internet virus or material which is malicious or technologically harmful to our site.
0.6.Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.
0.7.Attack Service via a denial-of-service attack or a distributed denial-of-service attack.
0.8. Take any action that may damage or falsify APIB’s rating.
0.9.Otherwise attempt to interfere with the proper working of Service.

8.Analytics
We may use third-party service providers to monitor and analyze the use of our Service.

9.No Use by Minors
Our Service is intended only for access and use by individuals who are at least eighteen (18) years age. By accessing or using our Service, you hereby warrant and represent that you are of at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of Terms and Conditions. If you are not at least eighteen (18) years age, you are prohibited from both the access and usage of Service.

10.Intellectual Property
All intellectual property rights on the Contents, the Service and its original content (excluding Content provided by users), features and functionality contained on the site are and will remain the exclusive property of APIB and its licensors. Service is protected by copyright, trademark, and other laws of and foreign countries. Our trademarks may not be used in connection with any product or service without the prior written consent of APIB.

11.Copyright Policy
We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on Service infringes on the copyright or other intellectual property rights (“Infringement”) of any person or entity.
If you are a copyright owner, or authorized on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement, please submit your claim via email to apibank@apdib.com, with the subject line: “Copyright Infringement” and include in your claim a detailed description of the alleged Infringement as detailed below, under “COPYRIGHT ACT 1987, Internal Investigation for Potential Copyright Infringement Claims”
You may be held accountable for damages (including costs and attorneys’ fees) for misrepresentation or bad-faith claims on the infringement of any Content found on and/or through Service on your copyright.

12.COPYRIGHT ACT 1987, Internal Investigations for Potential Copyright Infringement Claims
You may submit to our Copyright Agent with the following information in writing for our internal investigation:
0.1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright’s interest;
0.2. a description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work;
0.3 identification of the URL or other specific location on Service where the material that you claim is infringing is located;
0.4 your address, telephone number, and email address;
0.5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
0.6.a statement by you, made under penalty of false statement, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
Upon completion of our internal investigation, we will provide you a summary of our investigation for your further reference accordingly.
You can contact our Copyright Agent via email at apibank@apdib.com.

13.Reporting and Feedback
You may provide us either directly at apibank@apdib.com or via third party sites and tools with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service (“Feedback”). You acknowledge and agree that:
0.1. you shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback,
0.2. Company may have development ideas similar to the Feedback;
0.3.Feedback does not contain confidential information or proprietary information from you or any third party; and
0.4. Company is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Company and its affiliates an exclusive, transferable, irrevocable, free-of-charge, sub-licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner
and for any purpose.

14.Hyperlinks
Our Service may contain links to third party’s web sites or services that are not owned or controlled by APIB. Any inclusion of hyperlinks on the site does not imply any endorsement of the material on such sites.
APIBhas no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
For example, the outlined Terms and Conditions have been created using PolicyMaker.io, a free web application for generating high-quality legal documents. PolicyMaker’s free Terms and Conditions generator is an easy-to-use free tool for creating an excellent Terms and Conditions template for a website, blog, online store or app.

YOU ACKNOWLEDGE AND AGREE THAT ASIA PACIFIC INVESTMENT BANK LTD SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD PARTY WEB SITES OR SERVICES.

WE STRONGLY ADVISE YOU TO READ THE TERMS AND CONDITIONS AND PRIVACY POLICIES OF ANY THIRD PARTY WEB SITES OR SERVICES THAT YOU VISIT.

15.Disclaimer of Warranty
THESE SERVICES ARE PROVIDED BY APIB ON AN “AS IS” AND “AS AVAILABLE” BASIS. APIB MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THEIR SERVICES, OR THE INFORMATION, CONTENT OR MATERIALS INCLUDED THEREIN. YOU HEREBY EXPRESSLY AGREE THAT YOUR USE OF THESE SERVICES, THEIR CONTENT, AND ANY SERVICES OR ITEMS OBTAINED FROM US IS AT YOUR SOLE RISK.

NEITHER APIB NOR ANY PERSON ASSOCIATED WITH APIB MAKES ANY WARRANTY OR REPRESENTATION REPRESENTS OR WARRANTS THAT THE SERVICES, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

APIB HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITEDUNDER APPLICABLE LAW.

16.Limitation of Liability
EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD US AND OUR OFFICERS. DIRECTORS. EMPLOYEES. AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS’ FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL. STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF APIB HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF APIB IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

17.Jurisdictions and Governing Law
These Terms and Conditions shall be governed and construed in accordance with the laws of Labuan and the laws of Malaysia, which governing law applies to agreement without regard to its conflict of law provisions. Any dispute, controversy or claim arising out of or in connection with these Terms and Conditions shall be subject to exclusive jurisdiction of the Malaysian Courts. However, we retain the right to bring proceedings against you for breach of these Terms and Conditions in your country of residence or any other relevant country.
Our failure to enforce any right or provision of these Terms and Conditions will not be considered a waiver of those rights. If any provision of these Terms and Conditions is held to be invalid or unenforceable by a court, the remaining provisions of these Terms and Conditions will remain in effect. These Terms and Conditions constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding Service.

18.Changes to Service
We reserve the right to withdraw or amend our Service, and any services or materials which we may provide via Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of Service, or the entire Service, to users, including registered users.

19.Amendments to Terms and Conditions
We may amend the Terms and Conditions at any time by posting the amended terms on this site. Notice may be posted at the site, however it is your responsibility to review these Terms and Conditions periodically to keep you up to date. Your use of this site will signify your consent and acceptance to any changes made to the Terms and Conditions from time to time. We may suspend or stop this site and/or any of its Service for any reason whatsoever and are not liable for any suspension or unavailability of any contents of this site.
Your continued use of the Platform following the posting of revised Terms and Conditions means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Service.

20.Waiver And Severability
No waiver by APIB of any term or condition set forth in the Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of APIB to assert a right or provision under Terms shall not constitute a waiver of such right or provision.
If any provision of Terms and Conditions is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms and Conditions will continue in full force and effect.

21.Language
In the event there are inconsistencies or conflict arising between the English and Chinese versions of the Term and Conditions, the English version shall prevail.

22.Acknowledgement
BY USING SERVICE OR OTHER SERVICES PROVIDED BY US, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS AND AGREE TO BE BOUND BY THEM.

23.Contact Us
Please send your feedback, comments, and requests for technical support by email: apibank@apdib.com