Terms & Conditions

1. General Information

Phoenix Investment Bank (Labuan) Ltd is a Labuan investment bank licensed and regulated by the Labuan Financial Services Authority. The information on this website is provided for general corporate and informational purposes only.

Website content may describe services, capabilities, market views, regulatory status, business activities, and institutional information. It does not take account of any visitor's objectives, financial position, risk tolerance, legal requirements, or commercial needs.

2. No Financial, Investment, Legal, or Tax Advice

Nothing on this website should be treated as financial advice, investment advice, legal advice, tax advice, accounting advice, regulatory advice, or any other professional recommendation.

You should obtain independent professional advice before making any financial, commercial, legal, tax, regulatory, or investment decision based on information viewed on this website.

3. No Offer or Solicitation

Content on this website is not an offer, solicitation, recommendation, invitation, or commitment to provide any banking, investment, securities, card, trade finance, advisory, or other financial product or service.

Any products or services described on this website are subject to eligibility, onboarding, due diligence, internal approvals, contractual documentation, regulatory requirements, and jurisdictional restrictions.

4. Jurisdictional Restrictions

This website may be viewed from different jurisdictions. However, the availability of information, products, and services may be restricted by local law, regulation, licensing, or supervisory requirements.

You are responsible for ensuring that your access to this website and any use of its content is lawful in the jurisdiction from which you access it.

5. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not interfere with its operation, compromise its security, or restrict any other user's access.

• You must not attempt to gain unauthorised access to any system, server, account, or data.
• You must not introduce malware, harmful code, automated scraping tools, or disruptive network activity.
• You must not misuse website content in a way that is misleading, unlawful, defamatory, or damaging to Phoenix or any third party.

6. Accuracy, Availability, and Changes

Phoenix takes reasonable care to keep website information accurate and current, but no representation or warranty is made that the website, its content, or any linked material is complete, uninterrupted, error-free, or up to date at all times.

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

7. Risk Disclosure

Financial products and services can involve market, liquidity, credit, operational, legal, regulatory, currency, settlement, and counterparty risks. Certain products may be complex or unsuitable for some clients.

Past performance, market commentary, projected outcomes, or illustrative information should not be relied upon as an indication of future performance or results.

8. Third-Party Links

This website may contain links or references to third-party websites, platforms, data sources, or service providers. These links are provided for convenience only.

Phoenix does not control and is not responsible for third-party content, security, availability, accuracy, practices, or policies.

9. Intellectual Property

Unless otherwise stated, all website content, including text, graphics, logos, icons, images, layouts, documents, and software, belongs to Phoenix or its licensors and is protected by applicable intellectual property laws.

You may view website content for personal or internal business reference. You must not copy, reproduce, adapt, publish, distribute, sell, license, or commercially exploit website content without prior written permission.

10. Privacy and Personal Data

Phoenix may collect and process personal information submitted through this website or otherwise provided in connection with enquiries, onboarding, compliance, administration, and service delivery.

Personal data may be handled in accordance with applicable data protection laws, regulatory obligations, internal policies, and any privacy notice made available by Phoenix.

11. Regulatory and Lawful Disclosure

Phoenix may disclose information where required or permitted by law, regulation, court order, supervisory authority, law enforcement agency, tax authority, anti-money laundering requirement, sanctions obligation, or counter-terrorism financing requirement.

12. Client Relationship and Separate Terms

Using this website does not create a client, fiduciary, advisory, banking, brokerage, trustee, or contractual relationship with Phoenix.

Any client relationship, account, mandate, transaction, or product arrangement will be governed by separate agreements, disclosures, application forms, policies, and terms specific to that relationship or service.

13. Limitation of Liability

To the fullest extent permitted by law, Phoenix and its directors, officers, employees, representatives, and agents shall not be liable for any loss, damage, cost, claim, or expense arising from use of this website, reliance on its content, website interruption, technical fault, or third-party link.

14. Governing Law and Disputes

These Terms & Conditions are governed by the laws applicable to Phoenix as a Labuan-licensed entity in Malaysia, subject to any mandatory law or regulation that may apply.

Any dispute relating to this website or these terms may be resolved through the courts, arbitration, or other dispute resolution process available under applicable law or agreed documentation.

15. Contact

Questions about these Terms & Conditions may be directed to Phoenix Investment Bank (Labuan) Ltd at admin@thephoenixbank.com.