Your Future, Our Priority

Introduction

At SIB-LTD Investment Bank ("we," "our," "us"), your privacy and trust are of paramount importance to us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information as an account holder. By using our services, you agree to the practices described in this policy.

1. Information We Collect

We collect the following categories of personal information about you:

a) Personal Identification Information

• Name
• Address
• Date of birth
• Government-issued identification (e.g., passport, driver's license, national ID)

b) Contact Information

• Phone number
• Email address

c) Financial Information

• Bank account details
• Transaction history
• Account balance
• Investment preferences

d) Usage Information

• Information about your interactions with our services (e.g., online banking activity, communication history)

e) Device Information

• IP address
• Browser type
• Device type
• Operating system

2. How We Use Your Information

We use your information for the following purposes:

1. Account Management: To open, maintain, and manage your accounts with us.
2. Transaction Processing: To facilitate deposits, withdrawals, and other transactions.
3. Customer Support: To respond to your inquiries and provide assistance.
4. Legal and Compliance Obligations: To comply with applicable laws, regulations, and legal processes.
5. Fraud Prevention: To monitor, detect, and prevent fraudulent or unauthorized activity.
6. Personalization: To provide tailored investment recommendations and services.
7. Marketing and Communications: To send you promotional information, updates, and service announcements (you can opt out at any time).

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

a) With Service Providers

We share information with trusted third parties who assist us in delivering our services, such as payment processors, IT support, and marketing agencies.

b) For Legal Compliance

We may disclose your information to regulatory authorities, law enforcement, or other entities when required by law.

c) With Your Consent

We will share your information with third parties when you have explicitly authorized us to do so.

d) Corporate Transactions

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.

5. Your Privacy Rights

As an account holder, you may have the following rights:

1. Access and Correction: Request access to your information or correct any inaccuracies.
2. Data Portability: Request a copy of your data in a portable format.
3. Data Deletion: Request the deletion of your personal information, subject to legal and regulatory obligations.
4. Opt-Out of Marketing: Choose not to receive promotional communications from us.

To exercise these rights, please contact us at: [email protected].

6. Data Security

We implement robust security measures to protect your personal information, including:

• Encryption of sensitive data
• Secure servers and firewalls
• Regular security assessments and audits
• Access control and authentication mechanisms

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website and to collect usage data. You can manage your cookie preferences through your browser settings.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites, and we encourage you to review their privacy policies.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website, and we will notify you of significant changes.

10. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at

SINGPOLI INVESTMENT BANK LIMITED
Unit B3, Block 4, Level 11(C),
Financial Park Complex,
Jalan Merdeka, 87000,
Labuan F.T.

Thank you for choosing SIB-LTD Investment Bank. Your privacy and trust are our top priorities.

Effective Date: 02.12.2024

Introduction
Welcome to SIB-LTD Investment Bank ("we," "our," or "us"). By opening an account or using any of our services, you agree to abide by the following Terms and Conditions. Please read them carefully. If you do not agree with these terms, you may not use our services.

1. Definitions

• Account Holder: A client who has registered an account with SIB-LTD Investment Bank.
• Services: The financial services offered by us, including investment accounts, savings accounts, and online banking.
• Website: The official website of SIB-LTD Investment Bank and any associated digital platforms.

2. Eligibility

Touse our services, you must:

• Be at least 18 years of age or the legal age of majority in your jurisdiction.
• Provide accurate and complete information during the account registration process.
• Comply with all applicable laws and regulations.

3. Account Responsibilities

a. Account Security: You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately if you suspect unauthorized access.

b. Accuracy of Information: You agree to provide and maintain accurate and current information about yourself. Failure to do so may result in account suspension or termination.

c. Permitted Use: Your account must be used solely for lawful purposes. You may not use our services for activities such as money laundering, fraud, or any other illegal activity.

4. Services

a. Account Management: We provide tools and resources for managing your investment and savings accounts. Availability of certain features may vary depending on your location and account type.

b. Transactions: Transactions are processed in accordance with our policies and applicable laws. SIB-LTD reserves the right to review, delay, or cancel transactions suspected of fraudulent or unlawful activity.

c. Investment Products: All investments carry a degree of risk. Past performance is not a guarantee of future results. You acknowledge and accept these risks when using our services.

5. Fees and Charges

You agree to pay any applicable fees associated with our services, including but not limited to:

• Maintenance fees
• Transaction fees
• Late payment fees

Fee structures are disclosed during account registration and are subject to change with prior notice.

6. Privacy Policy

Your use of our services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in the Privacy Policy.

7. Termination and Suspension

We reserve the right to terminate or suspend your account for the following reasons:

• Violation of these Terms and Conditions.
• Fraudulent or illegal activity.
• Non-compliance with applicable laws or regulations.

Upon termination, your access to services will cease, but any outstanding obligations (e.g., fees) will remain enforceable.

8. Liability Disclaimer

SIB-LTD Investment Bank is not liable for:

• Losses incurred due to market volatility or investment risks.
• Unauthorized access to your account resulting from your failure to secure your credentials.
• Temporary service interruptions caused by maintenance or unforeseen circumstances.

9. Dispute Resolution

a. Governing Law: These Terms and Conditions are governed by the laws of Labuan, Malaysia.

b. Arbitration: Any disputes arising from these terms will be resolved through binding arbitration in Labuan, Malaysia. You waive the right to participate in a class-action lawsuit.

10. Changes to Terms and Conditions

We may update these Terms and Conditions from time to time. Any changes will be posted on our website, and continued use of our services constitutes acceptance of the revised terms.

11. Contact Us

If you have questions about these Terms and Conditions, please contact us at:

SINGPOLI INVESTMENT BANK LIMITED
Unit B3, Block 4, Level 11(C),
Financial Park Complex,
Jalan Merdeka, 87000,
Labuan F.T.

Acknowledgment
By using our services, you acknowledge that you have read, understood, and agree to these Terms and Conditions. Thank you for choosing SIB-LTD Investment Bank.

At SIB-LTD Investment Bank, we prioritize the security of our clients' information and assets. This Security Policy outlines our commitment to maintaining the highest standards of security in all our operations.

1. Data Encryption

We use industry-standard encryption protocols to protect all data transmissions between our clients and our servers.

2. Access Control

We implement strict access controls to ensure that only authorized personnel can access sensitive information.

3. Regular Security Audits

We conduct regular security audits and penetration testing to identify and address potential vulnerabilities.

4. Employee Training

All our employees undergo regular security awareness training to ensure they understand and follow best practices in information security.

5. Incident Response Plan

We have a comprehensive incident response plan in place to quickly and effectively address any security incidents.

6. Compliance

We comply with all relevant financial regulations and industry standards for information security.

7. Third-Party Risk Management

We carefully vet and monitor all third-party service providers to ensure they meet our high security standards.

8. Client Education

We provide resources and guidance to our clients to help them protect their accounts and personal information.

9. Continuous Improvement

We continuously review and update our security measures to address emerging threats and technologies.

For any security-related concerns or to report a potential security issue, please contact our security team immediately at [email protected].

Last updated: 02.12.2024