Terms of Use


1. Definitions

"eCCRIS" is the interactive on-line services operated by Bank Negara Malaysia ("BNM") on the World Wide Web of the Internet, consisting of information services and content provided by BNM, affiliates of BNM and other third parties.

"Subscriber" means each person who establishes or accesses a connection ("Account") for access to and/or use of BNM’s eCCRIS.

2. General

(A) This Terms of Use sets forth the terms and conditions that apply to the use of eCCRIS by Subscriber. By using eCCRIS (other than to read this Terms of Use for the first time), Subscriber agrees to comply with all of the terms and conditions hereof. The right to use eCCRIS is personal to Subscriber and is not transferable to any other person or entity. Subscriber is responsible for all the use of Subscriber's Account (under any screen name or password) and for ensuring that all the use of Subscriber's Account complies fully with the provisions of this Terms of Use. Subscriber shall be responsible for protecting the confidentiality of Subscriber's password(s), if any.

(B) BNM shall have the right at any time to change or discontinue any aspect or feature of eCCRIS, including but not limited to, content, hours of availability and equipment needed for access or use.

3. Amendments of Terms

BNM shall have the right at any time to delete, change or modify the terms and conditions applicable to Subscriber's use of eCCRIS or any part thereof, or to impose new conditions, including but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means of, including but not limited to, posting on eCCRIS, or by electronic or conventional mail, or by any other means by which Subscriber obtains notice thereof. Any use of eCCRIS by Subscriber after the issuance of such notice shall be deemed to constitute acceptance by Subscriber of such deletions, changes, modifications or additions.

4. Equipment

Subscriber shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of eCCRIS and all charges related thereto.

5. Subscriber Conduct

(A) Subscriber shall use eCCRIS for lawful purposes only. Subscriber shall not post or transmit through eCCRIS any materials which violate or infringe in any way upon the rights of others, which are unlawful, threatening, abusive, defamatory, an invasion of privacy, vulgar, obscene, profane or otherwise objectionable, which encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without BNM's express prior approval, contain advertising or any solicitation with respect to products or services. Any conduct by a Subscriber that in BNM's view restricts or inhibits any other Subscriber from using or enjoying eCCRIS shall not be permitted. Subscriber shall not use eCCRIS to advertise or perform any commercial solicitation, including but not limited to, the solicitation of users to become subscribers of other on-line information services competitive with eCCRIS.

(B) eCCRIS contains materials subject to the protection of copyright, trademarks and other proprietary information, including but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of eCCRIS are subject to copyright as a collective work under the Malaysian copyright and trade marks laws. BNM owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. Subscriber may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. Subscriber may download materials for Subscriber's personal use only provided that this is not for the purpose of private or commercial gain. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded materials shall be permitted without the express permission of BNM and the relevant copyright owner. In the event of any permitted copying, redistribution or publication of materials subject to copyright, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. Subscriber acknowledges that it does not acquire any ownership rights by downloading such materials.

(C) Subscriber shall not upload, post or otherwise make available on eCCRIS any materials protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that whether any of the materials is not protected by copyright rests with Subscriber. Subscriber shall be solely liable for any damage resulting from any infringement of copyrights, proprietary rights or any other harm resulting from such a submission. By submitting materials to any public area of eCCRIS, Subscriber automatically grants or warrants that the owner of such materials has expressly granted BNM the royalty-free, perpetual, irrevocable, non-exclusive right and licence to use, reproduce, modify, adapt, publish, translate and distribute such materials (in whole or in part) worldwide and/or to incorporate them in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such materials. Subscriber also permits any other Subscriber to access, view, store or reproduce the materials for that Subscriber's personal use. Subscriber hereby grants BNM the right to edit, copy, publish and distribute any materials made available on eCCRIS by Subscriber.

(D) The foregoing provisions of this section 5 are for the benefit of BNM, its subsidiaries, affiliates and its third party content providers and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf.

6. Monitoring

BNM shall have the right, but not the obligation, to monitor the content of eCCRIS, to determine compliance with this Terms of Use and any operating rules established by BNM and with any laws, regulations or authorised government requests. BNM shall have the right in its sole discretion to edit, refuse to post or remove any materials submitted to or posted on eCCRIS. Without limiting the foregoing, BNM shall have the right to remove any materials that BNM, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.

7. Indemnification

Subscriber agrees to defend, indemnify and hold harmless BNM, its affiliates and their respective directors, officers, employees and agents from and against all loss, damage, claims or expenses, including attorneys' fees, arising out of the use of eCCRIS by Subscriber or Subscriber's Account.

8. Termination

Either BNM or Subscriber may terminate this Terms of Use at any time. Without limiting the foregoing, BNM shall have the right to immediately terminate Subscriber's Account in the event of any conduct by Subscriber which BNM, in its sole discretion, considers to be unacceptable, or in the event of any breach by Subscriber of this Terms of Use. The provisions in this section 8, sections 5(B), 5(C), 5(D), 7, 9 and the Disclaimer shall survive termination of this Terms of Use.

9. Name and Emblem of BNM

The emblem of Bank Negara Malaysia or the name of Bank Negara Malaysia, including any abbreviation of its name, is protected by the Emblems and Names (Prevention of Improper Use) Act 1963. Therefore, the name of Bank Negara Malaysia, eCCRIS and the BNM emblem, cannot be used by Subscriber or any person without the written permission of the Minister. All other registered trademarks appearing on eCCRIS are the property of their respective registered owners.

10. Third Party Content

BNM is a distributor (and not a publisher) of contents supplied by third parties and Subscribers. Any opinions, advice, statements, services, offers or other information or content expressed or made available by third parties, including information providers, Subscribers or any other user of eCCRIS, are those of the respective author(s) or distributor(s) and not of BNM. Neither BNM nor any third-party provider of information guarantees the accuracy, completeness or usefulness of any content, nor its merchantability or fitness for any particular purpose. (Refer to section 6 above for the complete provisions governing limitation of liabilities and disclaimers of warranty.) In many instances, the content available through eCCRIS represents the opinions and judgments of the respective information provider, Subscriber or other user not under contract with BNM. BNM neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on eCCRIS by anyone other than BNM’s authorised representative while acting in their official capacities. Under no circumstances shall BNM be liable for any loss or damage caused by a Subscriber's reliance on information obtained through eCCRIS. It is the responsibility of Subscriber to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through eCCRIS. Please seek the advice of professionals, as appropriate, with regards to any evaluation of any specific information, opinion, advice or other contents in eCCRIS.

11. Miscellaneous

This Terms of Use and any operating rules for eCCRIS established by BNM constitute the entire agreement of the parties with respect to the subject matter hereof and supersede all previous written or oral agreements between the parties with respect to such subject matter. This Terms of Use shall be construed in accordance with the laws of Malaysia. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal significance.





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