Disclaimer

1. General Information Only

The information on this website is provided for general informational and corporate communication purposes only. It may describe Phoenix, its regulatory status, capabilities, services, market interests, governance approach, and general institutional activities.

The content is not intended to be comprehensive and should not be relied upon as the sole basis for any business, legal, financial, tax, investment, compliance, or commercial decision.

2. Jurisdictional Restrictions

This website may be accessed from Malaysia and other jurisdictions. However, not all information, products, or services described on this website are available to every person or in every jurisdiction.

You are responsible for ensuring that your access to this website and use of any information from it complies with the laws, regulations, licensing requirements, and restrictions applicable in your location.

3. No Offer, Solicitation, or Recommendation

Nothing on this website constitutes an offer, invitation, solicitation, recommendation, commitment, or inducement to buy, sell, subscribe for, underwrite, arrange, finance, advise on, or enter into any investment, banking, securities, card, trade finance, wealth, broking, advisory, or other financial product or service.

Any service described on this website remains subject to client eligibility, onboarding, due diligence, risk assessment, regulatory requirements, internal approval, and execution of formal documentation.

4. No Professional Advice

Website content does not constitute financial, investment, legal, tax, regulatory, accounting, risk management, or other professional advice. It does not consider your personal or institutional objectives, financial position, risk appetite, legal obligations, or commercial circumstances.

You should obtain independent advice from appropriately qualified advisers before taking or refraining from any action based on this website.

5. Risk Disclosure

Banking, investment, financing, securities, trading, payment, foreign exchange, advisory, and structured financial activities may involve risks. These may include market risk, credit risk, liquidity risk, counterparty risk, operational risk, legal risk, tax risk, regulatory risk, settlement risk, technology risk, and currency risk.

Past performance, projections, examples, market commentary, or illustrative statements are not reliable indicators of future outcomes. Values, yields, returns, transaction conditions, market access, and regulatory treatment may change without notice.

6. Accuracy, Completeness, and Availability

Phoenix takes reasonable care when preparing website content. However, Phoenix does not represent or warrant that any information on this website is accurate, complete, current, uninterrupted, secure, error-free, or suitable for any particular purpose.

Phoenix may update, withdraw, suspend, replace, or amend website content at any time without prior notice.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Phoenix and its directors, officers, employees, representatives, agents, advisers, affiliates, and service providers shall not be liable for any loss, damage, cost, claim, liability, or expense arising from or connected with:

• use of, access to, or inability to access this website;
• reliance on any information, material, publication, or link available through this website;
• errors, omissions, interruptions, delays, technical failures, malware, or unauthorised access;
• third-party content, websites, platforms, tools, or services linked from this website; or
• any direct, indirect, incidental, consequential, special, punitive, or economic loss, including loss of profit, revenue, opportunity, data, goodwill, or business.

8. Third-Party Websites and Materials

This website may contain links or references to third-party websites, documents, platforms, data, or services. These links are provided for convenience only and do not imply endorsement, approval, recommendation, or control by Phoenix.

Phoenix is not responsible for the accuracy, security, availability, legality, privacy practices, or content of any third-party website or material.

9. Intellectual Property

Unless otherwise stated, all website content, including text, images, logos, graphics, icons, documents, downloads, layouts, design elements, and code, is owned by Phoenix or licensed to Phoenix and is protected by applicable intellectual property laws.

You may view this website for personal or internal business reference. You must not reproduce, distribute, adapt, publish, transmit, license, sell, or commercially exploit any website content without Phoenix's prior written consent.

10. Regulatory Status

Phoenix Investment Bank (Labuan) Ltd is licensed and regulated by the Labuan Financial Services Authority. Regulatory references on this website are provided for identification and informational purposes only and should not be interpreted as a guarantee, endorsement, or assurance of any product, service, transaction, or outcome.

11. Relationship with Other Terms

This Disclaimer should be read together with our Terms & Conditions, Privacy Policy, Cookie Policy, regulatory notices, client agreements, account terms, product documents, and any specific disclosures provided by Phoenix.

12. Contact

Questions about this Disclaimer may be directed to Phoenix Investment Bank (Labuan) Ltd at admin@thephoenixbank.com.