{"id":8285,"date":"2025-05-16T14:30:41","date_gmt":"2025-05-16T06:30:41","guid":{"rendered":"https:\/\/www.fmos.org.my\/?page_id=8285"},"modified":"2025-05-16T15:36:54","modified_gmt":"2025-05-16T07:36:54","slug":"terms-of-use-disclaimer","status":"publish","type":"page","link":"https:\/\/www.fmos.org.my\/bm\/terms-of-use-disclaimer\/","title":{"rendered":"Terms of Use &amp; Disclaimer"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"8285\" class=\"elementor elementor-8285\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f74844f e-flex e-con-boxed e-con e-parent\" data-id=\"6f74844f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5590ece0 e-flex e-con-boxed e-con e-child\" data-id=\"5590ece0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79aec95a elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"79aec95a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">FMOS Website Terms of Use and Disclaimer<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-834d959 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"834d959\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34fab41\" data-id=\"34fab41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cad054b e-con-full e-flex e-con e-child\" data-id=\"cad054b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd125e6 elementor-widget elementor-widget-text-editor\" data-id=\"dd125e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><u>General<\/u><\/strong><\/p><p>The Financial Markets Ombudsman Service (FMOS) provides information regarding its services for general informational purposes only. By accessing and using any part of this website, you agree to accept these terms of use. If you disagree with any terms of use, then you may not be able to access the website.<\/p><p><strong><u>Definitions<\/u><\/strong><\/p><p>The following terminology applies to these Terms of Use, Privacy Statement and Disclaimer Notice and all Agreement:<\/p><ul><li>\u201cClient\u201d, \u201cYou\u201d and \u201cYour\u201d refers to you, the person logged on to this website and compliant to the Company\u2019s terms of use. This includes, but is not limited to, complainants, FMOS Members, and any other users engaging with the website or FMOS services.<\/li><li>\u201cThe Company\u201d, \u201cOurselves\u201d, \u201cWe\u201d, \u201cOur\u201d and \u201cUs\u201d, refers to FMOS.<\/li><li>\u201cParty\u201d, \u201cParties\u201d, or \u201cUs\u201d refers collectively to both the Client and FMOS, or either party individually, as the context requires.<\/li><\/ul><p>All terms refer to the offer, acceptance, and consideration necessary to undertake the process of delivering FMOS\u2019s services in the most appropriate manner including the resolution of disputes between complainants and Members in accordance with and subject to the prevailing laws of Malaysia.<\/p><p>Any use of the above terminology or other words in the singular, plural, capitalisation, and\/or gender-specific pronouns (e.g., \u201che\/she\/they\u201d) shall be interpreted as interchangeable and refer to the same.<\/p><p><strong><u>Intellectual Property Rights<\/u><\/strong><\/p><p>Unless otherwise stated, FMOS owns intellectual property rights for all materials on this website. All intellectual property rights are reserved.<\/p><p>You must not republish, sell, reproduce, or redistribute any material or content from the FMOS website in any form.<\/p><p><strong><u>Cookies<\/u><\/strong><\/p><p>We use cookies on <a href=\"https:\/\/www.fmos.org.my\/bm\/\">https:\/\/www.fmos.org.my\/<\/a>. By accessing the site, you agree to the use of cookies in accordance with FMOS\u2019 Privacy Notice. Cookies help us enhance website functionality and retrieve user details for each visit. Some of our partners and associates may also use cookies.<\/p><p><strong><u>Links<\/u><\/strong><\/p><p>Certain organisations \u2013 government agencies, search engines, news organisations, online directory distributors, and accredited businesses may link to our website without prior written approval, provided the link is not misleading or deceptive.<\/p><p>Other organisations like educational institutions and industry associations may request permission to link, which FMOS may approve based on specific criteria. All approved links must fit the context of the linking site and not falsely imply endorsement. Use of FMOS\u2019 logo or artwork requires a trademark license.<\/p><p>You may contact FMOS at <a href=\"https:\/\/complaint.fmos.org.my\/index.php\">https:\/\/complaint.fmos.org.my\/index.php<\/a> under General Enquiry to request to link to our website.<\/p><p><strong><u>iFrames<\/u><\/strong><\/p><p>You may not create frames around our web pages that alter in any way the visual presentation and appearance of our website without any prior approval and written permission.\u00a0<\/p><p><strong><u>Limitations of Liability<\/u><\/strong><\/p><p>FMOS is not responsible for any content that appears from third-party websites that links to ours. You agree to defend and protect us from any claim that arises from your website. Links to our website from any website should not be interpreted as defamatory, obscene, unlawful, or infringes the rights of others.<\/p><p>We reserve the right to remove the link from your website, and you agree to comply immediately. If you find any link from our website that is offensive for any reason, feel free to contact or inform us to remove it. However, we are not obligated to do so.<\/p><p>FMOS does not guarantee accuracy, completeness, or the material remains available and up-to-date, and we may change the content and terms of use of FMOS website at any time without prior notice.<\/p><p><strong><u>Privacy Notice<\/u><\/strong><\/p><p>Please refer to <a href=\"https:\/\/www.fmos.org.my\/bm\/privacy-notice\/\">FMOS Privacy Notice<\/a> for more details.<\/p><p><strong><u>Disclaimer<\/u><\/strong><\/p><p>FMOS provides this website and contents on a <em>pro bono<\/em> basis, and FMOS will not be liable for any damage or loss of nature. This disclaimer does not limit or exclude your liability of death, injury, fraud, or any other matter that cannot be excluded under the applicable law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>FMOS Website Terms of Use and Disclaimer General The Financial Markets Ombudsman Service (FMOS) provides information regarding its services for general informational purposes only. By accessing and using any part of this website, you agree to accept these terms of use. If you disagree with any terms of use, then you may not be able [&hellip;]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-8285","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Terms of Use &amp; Disclaimer - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/terms-of-use-disclaimer\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms of Use &amp; Disclaimer - FMOS\" \/>\n<meta property=\"og:description\" content=\"FMOS Website Terms of Use and Disclaimer General The Financial Markets Ombudsman Service (FMOS) provides information regarding its services for general informational purposes only. 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