Terms and Conditions of Financial Planning Educational Programme

These Terms and Conditions (Terms) govern our MULA Academy services to you.

1. MULA ACADEMY. We, MULA Advisory Sdn Bhd (Company No. 201201025163 (1009653-W)) (MULA), offer a course-based training programme to educate people on managing personal finances (MULA Academy).

2. SCOPE OF SERVICES.
2.1 The MULA Academy services is a general education programme separate from our regulated activity of Financial Planning, which we have a licence to carry out under the Capital Markets and Services Act 2007 [Act 671]. This programme is separate because, unlike Financial Planning, we do not assess your personal financial circumstances or provide advice or plans tailored to your financial needs and objectives (Financial Planning).
2.2 We will not be responsible for your reliance on the educational materials provided by us throughout the performance of our services; these include materials in any form, including without limitation written documents, slide decks, emails, digital files, spreadsheets, tools/templates/models, audio/video, webinars, and verbal remarks in live or recorded sessions (Educational Materials). As the MULA Academy is not Financial Planning, you may not employ the Educational Materials as professional advice from MULA or as the sole basis for making decisions. If you require Financial Planning, we recommend that you consider engaging separate professional advice that is tailored to your individual circumstance and which carries out an appropriate fact-find and suitability assessment.
2.3 Our giving you access to, or use of, Educational Materials is not advisory mandate and remains separate and ring-fenced from of our other services (whether those are engaged by you or not).
2.4 Any assessment of your personal financial circumstances and any advice or plans tailored to your financial needs and objectives that may be given by individual employees or representatives of MULA or by teachers, tutors, speakers, trainers, lecturers, coaches, hosts or similar persons during MULA Academy programmes (Individual Opinions) are: (a) given in that person’s individual capacity as a non-professional personal opinion of that individual and (b) are not given on behalf of MULA or with MULA authorisation, and are given against MULA’s instructions. MULA shall not be held liable for your reliance on these.

3. PAYMENT TERMS. You will pay us the fees (including sales and services tax) without deductions (i.e. no discounts, set-off etc.) prior to your access to the MULA Academy, or if we permit you early access, immediately from the issuance of our invoice.

4. NO WARRANTIES. Our services and the Educational Materials are provided “as is” and “as available,” with all faults. To the maximum extent allowed by law, we make no representations, warranties or conditions (express or implied) regarding accuracy, completeness, fitness for a particular purpose, acceptable quality, non-infringement, or results.

5. INDEMNITIES. You shall indemnify and hold us and our agents harmless from and against all losses, liabilities, costs and expenses (including legal fees) arising out of or in connection with: (i) your reliance on, use of, adaptation of, or distribution of the Educational Materials in breach of this Terms or on Individual Opinions; (ii) any claim that your use of the Educational Materials misstates, omits or misapplies information in a way that causes loss to a third party; or (iii) your failure to obtain professional advice for Financial Planning where required. This indemnity constitutes a separate and independent obligation from the other obligations in this Terms, shall give rise to a separate and independent cause of action, shall apply irrespective of any indulgence granted by the us to you.

6. LIMITATIONS. To the maximum extent permitted by law, we will not be liable for any indirect, incidental, consequential, special or exemplary loss (including lost profits, business interruption, loss or unauthorised access to information) arising from your use of or reliance on our services and/or the Educational Materials. Our total aggregate liability for any claim relating to our services and / or the Educational Materials will not exceed the amounts you actually paid for access to or participation in the MULA Academy under this Terms.

7. INTELLECTUAL PROPERTY.
7.1 The intellectual property in the Education Materials belong to MULA or its licensors (as applicable). Subject to these Terms, MULA grants you a limited, non-exclusive, non-transferable, revocable license to access, view, and use the Educational Materials solely for the Customer's personal, non-commercial educational purposes.
7.2 You shall not copy, reproduce, distribute, modify, adapt, commercialise, reverse engineer, or use the Educational Materials in any unauthorised manner, remove trade mark or proprietary markings, or engage in any unlawful use that could harm MULA’s reputation or infringe third-party rights.

8. PERSONAL DATA PROTECTION.
8.1 In accordance with our privacy policy in the Appendix, we will keep all personal data collected pursuant to our services confidential and will collect, process, store and use it in compliance with the Personal Data Protection Act 2010 and other applicable laws and regulatory guidelines.

9. MISCELLANEOUS.
9.1 Governing law and jurisdiction. This Terms shall be construed and governed in accordance with the laws of Malaysia. The parties irrevocably agree that the courts of Malaysia shall have jurisdiction to settle disputes which may arise out of, or in connection with, this Terms and that, accordingly, any suit, action or proceedings arising out of, or in connection with, this Terms may be brought in such courts.
9.2 Assignment. You may not assign, sub-license, transfer, encumber or otherwise dispose of this Terms without our prior written approval. Any attempted assignment, sub-license, transfer, encumbrance or other disposal without such consent shall be void and shall constitute a material default and breach of this Terms.
9.3 Entire agreement. This Terms constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements or communications.
9.4 Acceptance and surviving provisions. This Terms shall be effective upon your acceptance below. This Section and Sections 2, 3, 6, 7, and 8 shall survive termination, along with any other provisions that might reasonably be deemed to survive such termination.
9.5 Amendments and variations. We can make any amendments or variations to this Terms by serving you notice.
9.6 E-Delivery, E-Signature & Recordings. You consent to electronic communications and signatures; electronically signed documents are valid and enforceable. You authorise us to record meetings (audio/video) for quality and record-keeping.
9.7 Outsourcing. We reserve the right to outsource the execution of our services to our related corporation or third party(ies).

Dasar Privasi

Selaras dengan keperluan Akta Perlindungan Data Peribadi 2010 (selepas ini dirujuk sebagai “APDP”), kami dengan ini mengedarkan notis ini untuk memaklumkan dan menerangkan bagaimana MULA mengumpul, menggunakan, menyimpan, dan mendedahkan data peribadi anda berhubung dengan urusniaga komersial. Notis data peribadi ini adalah terpakai terhadap mana-mana pihak yang data peribadinya diproses oleh MULA.

“MULA” atau “kami”dalam notis ini merangkumi MULA Advisory Sdn Bhd (No. Syarikat 201201025163 (1009653-W)), termasuk cawangan serta anak syarikatnya dan syarikat-syarikat berkaitan MULA.

A. Sifat Data Peribadi

Data peribadi anda yang diproses oleh kami termasuk nama, maklumat perhubungan, alamat e-mel, jawatan dan nama syarikat, umur, jantina, tarikh lahir, nombor kad pengenalan/passport, bangsa, agama,kewarganegaraan, maklumat tentang apa-apa pelanggaran atau tuduhan di bawah mana-mana undang-undang, perkhidmatan yang berkaitan yang diberikan kepada anda dan apa-apa data peribadi lain yang dibekalkan oleh anda untuk tujuan yang dinyatakan di bawah.

B. Tujuan Pengumpulan Data Peribadi Oleh MULA

Tertakluk kepada undang-undang yang berkaitan, kami bakal menggunakan data peribadi anda untuk tujuan berikut(secara keseluruhan“Tujuan”):

(a) untuk membolehkan kami melaksanakan semua obligasi kontrak;

(b) untuk menjawab pertanyaan dan aduan anda serta menyelesaikan pertikaian;

(d) untuk memberikan maklumat berkenaan produk-produk dan perkhidmatan kami kepada orang yang kami percayai akan berminat dengan produk-produk dan perkhidmatan tersebut;

(e) untuk memberikan perkhidmatan;

(f) untuk penyelidikan dan penambahbaikan produk-produk dan perkhidmatan;

(g) bagi peluang pekerjaan sekiranya anda telah memberikan maklumat untuk tujuan itu; dan

(h) untuk apa-apa tujuan lain yang berkaitan dengan produk dan perkhidmantan yang disediakan oleh MULA.

C. Pendedahan Data Peribadi Anda

Tertakluk kepada undang-undang yang berkaitan, data peribadi anda mungkin didedahkan kepada:

(a) anak-anak syarikat dan syarikat-syarikat berkaitan dan/atau bersekutu kami;

(b) mana-mana pihak berkuasa pemantauan, kerajaan, atau agensi berkaitan;

(d) juruaudit, peguam, firma-firma atau entiti-entiti professional;

(e) pihak yang diberi kebenaran oleh anda; dan

(f) mana-mana pihak lain yang dianggap sesuai oleh MULA.

Data peribadi anda mungkin akan dihantar atau didedahkan ke lokasi-lokasi di luar Malaysia, dan dengan memberikan data peribadi anda kepada kami, anda bersetuju dengan pemindahan tersebut yang diperlukan untuk menyediakan perkhidmatan yang anda minta dan untuk pelaksanaan apa-apa obligasi kontrak anda dengan MULA, termasuk untuk tujuan penyimpanan.

D. Sekuriti

Keselamatan data peribadi anda merupakan keutamaan kami. Kami berusaha, jika dapat dilaksanakan, untuk melaksanakan dasar dan prosedur yang sesuai selaras dengan undang-undang dan peraturan untuk melindungi data peribadi anda daripada pemprosesan yang tidak dibenarkan atau menyalahi undang-undang.

E. Akses dan Pembetulan Data Peribadi Anda

Anda boleh mengakses dan meminta untuk pembetulan data peribadi anda yang telah diberikan kepada MULA dan dalam hal ini, anda boleh:

(a) memeriksa jika kita memegang atau menggunakan data peribadi anda dan minta akses kepada data peribadi anda;

(b) permintaan untuk pembetulan data peribadi anda yang tidak tepat, tidak lengkap atau tidak dikemaskini;

(c) meminta MULA untuk menghadkan pemprosesan data peribadi anda, termasuk menghadkan data peribadi orang yang boleh dikenalpasti daripada data peribadi anda;

(d) memaklumkan MULA bahawa anda ingin menarik balik (sepenuhnya atau sebahagian) kebenaran anda yang telah diberikan kepada MULA sebelum ini, tertakluk kepada sebarang sekatan undang-undang, syarat-syarat kontrak dan tempoh masa yang munasabah.

Dimaklumkan bahawa kami mungkin akan mengenakan yuran yang rendah bergantung pada maklumat yang diminta. Kami juga mungkin mengambil langkah untuk mengesahkan identiti anda sebelum memenuhi permintaan anda untuk mengakses data peribadi anda.

Sila hubungi kami melalui mana-mana kaedah seperti yang diberikan di bawah sekiranya anda mempunyai sebarang pertanyaan atau aduan berkenaan dengan data peribadi anda:

Perjawatan orang yang boleh dihubungi: Pegawai Pentadbiran

Alamat Pos: B01-A-13A, Level 13A, Menara 2, No 3 Jalan Bangsar KL Eco City, Kuala Lumpur, Malaysia

No. Telefon: 03-2201 2100

Alamat E-mel: info@mula.com.my

F. Kegagalan Memberikan Data Peribadi Anda

Sekiranya tidak dinyatakan sebaliknya oleh kami pada masa pengumpulan data peribadi, adalah wajib bahawa anda membekalkan kami dengan data peribadi yang diminta oleh kami. Sekiranya anda gagal untuk membekalkan data peribadi yang dinyatakan di atas, kami mungkin tidak dapat memproses data peribadi anda bagi mana-mana Tujuan yang dinyatakan di atas dan anda mungkin melanggar syarat-syarat bagi peraturan-peraturan yang berkaitan.

Dengan membekalkan data peribadi anda kepada kami, anda dengan ini, membenarkan pemprosesan data peribadi anda selaras dengan segala yang dinyatakan di atas.

G. Bahasa

Notis Data Peribadi ini dikeluarkan dalam kedua-dua versi Bahasa Inggeris dan Bahasa Malaysia. Sekiranya terdapat sebarang percanggahan antara versi Bahasa Inggeris dan versi Bahasa Malaysia, versi Bahasa Inggeris akan diutamakan.