Terms & Conditions

These Terms and Conditions set out the general terms governing your use of the website under the domain name https://miracfinancial.com/ (“Website”) operated by Mirac Financial Ltd (the “Company, “we”, “our” or “us”).

Please read these Terms and Conditions carefully before using the Website. By accessing this Website, you acknowledge that you have read, understood and agree to be bound by these Terms and Conditions and any other applicable laws and regulations. If you do not accept these Terms and Conditions, please refrain from using this Website.

We may, at our sole discretion, amend these Terms and Conditions from time to time. Any such amended Terms and Conditions will be uploaded on the Website, together with the effective date of the amendment. The amended Terms and Conditions will be binding on you when you next access the Website after the effective date of the amendment.

1. Personal Information

By using our Website, you accept our Privacy Notice and consent to the way in which we collect, hold and manage your personal information as provided in the Privacy Notice. The Privacy Notice can be found on the Website, and we agree to comply with the Privacy Notice.

We may disclose your personal information to credit reporting agencies and other third parties, our contractors or affiliates for the purposes of and in accordance with the requirements of the Anti-Money Laundering and Anti-Terrorism Financing Act 2001, Personal Data Protection Act 2010 and Guidelines on Implementation of Targeted Financial Sanctions Relating to Proliferation Financing for Capital Market Intermediaries any other relevant regulations.

You understand that any personal information about you which we disclose to a credit reporting agency and other third parties, our contractors or affiliates, may be held by them and used for any other lawful purpose.

2. Registration Process
  1. To join as an Investor under the Platform, you must do the following:
  2. Accept all terms in the platform agreements eg. Terms and Conditions, Privacy Policy, Custodian Agreement;
  3. Complete the online self-declaration process as the applicable Investor accreditation. By accepting the Terms and Conditions, you warrant that such self-declaration are truthful and genuinely apply to you. From time to time we have the rights to ask you to confirm such self-declaration; and
  4. Satisfactorily complete any information required by us. By doing so, you will need to provide certain personal information about yourself for us to verify your eligibility;
  5. We reserve the right to request for further information which is relevant for the use and services of the Platform from you from time to time;
  6. Notwithstanding the above, the decision whether to authorise you to act as an Investor under the Platform is entirely ours and the decision may be made by us for any reason or at no reason. We will not be liable to you for any direct or indirect losses (including loss of profits, business or opportunities), damages or costs arising from our decision not to authorise or permit you to be an Investor of the Platform; and
3. Accuracy of Information

You confirm and warrant that all information submitted by you to us, whether via the Website or otherwise, is true, accurate and complete and is not misleading by omission or otherwise.

If you provide any information that is or becomes untrue, inaccurate or incomplete, or we have reasonable grounds to suspect that such information is untrue, inaccurate or incomplete, we reserve the right to suspend or terminate your account and prohibit all future access to the Website.

4. Account Details
You are personally responsible for maintaining the confidentiality of your password and other details in relation to your account at all times. You agree to accept responsibility for all activities that occur under your account and notify us immediately of any unauthorised use or any other breach of security in relation to your account. We reserve the right to take any action we deem appropriate upon receiving notification from you of any unauthorised use of your account or any other breach of security.
5. Third Party Links

From time to time, we may place links to websites controlled, owned or operated by third parties (“Third Party Links”) on the Website. These Third Party Websites are provided solely for your convenience and to enable investors to assess any better potential investment opportunities.
The inclusion of these Third Party Links on the Website does not constitute our endorsement of these Third Party Links. These Third Party Links are used at your own risk and we take no responsibility for their contents and availability.

6. Website Content, Copyright and Trademark

You acknowledge and agree that all rights to the Website and all the contents displayed on the Website, including but not limited to, our logo, domain names, documents, images, clips, graphics, data, design, source code, software, and other information (collectively referred to as “Website Content”) are our sole property or of the entities affiliated with us or parties with whom we have contracted.

You may not copy, reproduce, distribute, republish, display, transmit, sell, licence or use any of the Website Content for any commercial or public purposes without our prior written consent.

You are prohibited from creating a link to the Website in any other webpage without our prior written consent.
Any consent we may give in relation to or in connection with the Website Content or Website may be withdrawn at any time without prior notice.

7. Restricted Activities

Investors registered with us will have access to a newsletter on our website. In respect of the view of the newsletter on the Website, the Website or any of our services, you must not:

  1. breach these Terms and Conditions, policies and/or any other agreements that you have entered into with us;
  2. post, email, transmit or otherwise publish any comments, materials or content that are offensive, discriminatory, unlawful, threatening, harassing, defamatory or libellous, false, inaccurate or misleading;
  3. act in a manner which is, or post, email, transmit or otherwise publish any content which violates any law, statute and/or regulation, including but not limited to the regulations of the Securities Commission Malaysia;
  4. provide false, inaccurate or misleading information;
  5. post, upload, email, transmit, publish or otherwise make public any unsolicited materials, advertising, promotional materials, chain letters, junk mail, spam, pyramid schemes, or any other form of commercial or non-commercial solicitation or bulk communications whether via email or posting of information on the Website;
  6. post, upload, email, transmit, publish or otherwise make public any private information of any third party, including, without limitation, surname (family name) addresses, phone numbers, email addresses, National Registration Identity Card numbers, passport numbers and credit card numbers; or

We reserve the right to terminate your account or prohibit you from using or accessing the Website if we have reasonable ground to believe that you have been involved in any of the restricted activities provided above.

8. Limitation of Liability
To the extent permitted by law, the Company, its affiliates, officers and employees shall not be liable to you for any special, incidental or consequential loss or damage arising from your use of the Website or any information contained in it.
9. Indemnity

You agree to indemnify and hold harmless the Company, its affiliates, officers and employees from and against any and all claims, losses, expenses, demands or liabilities, including solicitors’ fees and costs that we have incurred in connection with any claim by a third party (including any intellectual property claim) arising out of or in connection with any comments, material or contents that you submit, post or transmit through the Website, or your use of the Website in violation of this Terms and Conditions or in violation of any applicable law. You agree to indemnify and hold harmless the Company, its affiliates, officers and employees from any claim arising from a third party’s use of the comments, materials or content of any kind that you post or submit on this Website.

10. Acknowledgement
You agree that you use the Website at your own risk. We do not provide any financial, investment, legal or tax advice or recommendations to potential investors wishing to use our Website. Investors should make their own assessments of any investment opportunity our Website and should seek independent advice before committing to any investment.
12. Governing Law
These Terms and Conditions shall be governed by, construed and enforced in accordance with the laws of Malaysia.
Dated 1 May 2022

We are a financial solutions provider for accredited investors and institutions, focused on delivering results to both institutional investors and individual investors to meet their financial needs and goals, protecting investors’ capital from the volatility of the market.

© 2022 Mirac Financial Ltd (LL17325) | Securities License No. (under LFSSA): SL/22/0018