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 to access the website.

Definitions

The following terminology applies to these Terms of Use, Privacy Statement and Disclaimer Notice and all Agreement:

• “Client”, “You” and “Your” refers to you, the person logged on to this website and compliant to the Company’s terms of use. This includes, but is not limited to, complainants, FMOS Members, and any other users engaging with the website or FMOS services.
• “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to FMOS.
• “Party”, “Parties”, or “Us” refers collectively to both the Client and FMOS, or either party individually, as the context requires.

All terms refer to the offer, acceptance, and consideration necessary to undertake the process of delivering FMOS’s 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.

Any use of the above terminology or other words in the singular, plural, capitalisation, and/or gender-specific pronouns (e.g., “he/she/they”) shall be interpreted as interchangeable and refer to the same.

Intellectual Property Rights

Unless otherwise stated, FMOS owns intellectual property rights for all materials on this website. All intellectual property rights are reserved.

You must not republish, sell, reproduce, or redistribute any material or content from the FMOS website in any form.

Cookies

We use cookies on https://www.fmos.org.my/. By accessing the site, you agree to the use of cookies in accordance with FMOS’ 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.

Links

Certain organisations – 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.

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’ logo or artwork requires a trademark license.

You may contact FMOS at https://complaint.fmos.org.my/index.php under General Enquiry to request to link to our website.

iFrames

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. 

Limitations of Liability

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.

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.

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.

Privacy Notice

Please refer to FMOS Privacy Notice for more details.

Disclaimer

FMOS provides this website and contents on a pro bono 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.