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Terms Of Use Agreement

By using our site, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you should not use this site and you should not use the services. 

We recommend visitors take a careful look at our Terms before using our site, services or products. You won'’t find anything too crazy, but we want to be completely clear about what you can expect. We view our terms as a promise to always treat our customers with respect, dignity, and fairness. 


We strive to make every part of your experience with us as transparent as possible. That’s why we’ve included below several annotations that are intended to emphasize key sections and explain exactly what they mean in plain English.


If there’s anything that you don’t understand, please don'’t hesitate to contact us at

SMI Funding Terms Of Service

If you're reading this, thank you!

LAST REVISED: 18th July 2021

  1. General Description
    We are StandardLink SMI Consultancy and we own and operate (“Site”).

  2. Your use of the Site is subject to these Terms of Use. By using the Site, you accept and agree to be bound by these Terms of Use. We may make changes to these Terms of Use from time to time without notice to you. You can determine when we last changed these Terms of Use by referring to the “LAST UPDATED” statement above. Your use of the Site following changes to these Terms of Use will constitute your acceptance of and agreement to be bound by those changes. . 

  3. Please read these Terms of Use carefully because by visiting, accessing, using or obtaining any content or data from our website by obtaining or using any of the services rendered by us through our Website, you agree to be bound by these Term of Use’s. The Term of Use’s apply regardless of whether you access our Website through a computer, a mobile device or otherwise.

  4. By agreeing to be bound by these Term of Use’s you are entering into a binding legal agreement with us: StandardLink SMI Consultancy and our legal successors. If we refer to “we”, “us” or “our” in these Terms of Use’s we mean StandardLink SMI Consultancy.

  5. By using this Site, you represent and warrant that you are permitted to do so under the applicable law. You are responsible for all access to the Site using your Internet connection, even if the access is by another person.

  6. You agree to be responsible for the following:

  7. You will use our Website only if you are 21 years or older, for personal, non-commercial use only

  8. If you create an account through our Website or if you (otherwise) submit any Personal Data (as defined in our Privacy Policy) or other data to us, you represent that the data you provided is true, current, accurate and complete.

  9. You are responsible for keeping your Personal Data updated and accurate at all times;

  10. You are responsible for safeguarding the security of your account (username and password) and you will not share your account details with anyone else.

  11. You will refrain from using our Website or our services for any illegal or unlawful purposes.

  12. You will not violate any technological measures placed in our Website or bypass, circumvent, avoid, remove, deactivate, descramble, decrypt or otherwise impair any measures installed or used by us to prevent or restrict access to (parts of) our Website, the Website IP (as defined hereafter in clause VII(1) of these Terms of Use’s) or the Content;

  13. You will refrain from creating a link from any website to our Website;

  14. You will not use any software, instruments or devices that (attempt to) interfere with our Website or the due operation of our Website, and;

  15. You are responsible for checking and ensuring the suitability, usefulness, quality, adequacy and availability of the products or services of the Financial Services Industry displayed on our Website for your personal use and if necessary or desired, you should seek and obtain professional advice on the products prior to making any purchasing decision. 

  16. We reserve the right to restrict your access to the Site or part of it. Access to restricted areas of the Site may be subject to registration and other conditions. If we grant you permission to access a restricted area, we may withdraw that permission at any time (including where you breach any of these Terms of Use).

  17. Description of Service
    The Site is a free to use online consumer web portal for banking products. Our products and services include aggregation of consumer Financial Services Industry (FSI) products and services, reviews and guides of FSI products and services, news and updates on the FSI industry, competitions and promotions and other value-added services

  18. We are a financial solutions website showing the prices of various general financial services and banking products in Malaysia offered to customers in Malaysia. We work together with various financial services companies, financial services brokers, financial services  agents, financial institutions and/or other financial services product intermediaries (jointly, the “Financial Services Industry (FSI)”) in Malaysia who provide us with their product specifications, prices and any other relevant data. We do not pretend or guarantee to the prices of any and all Financial Services Industry active in Malaysia. There may very well be financial services companies or financial services intermediaries that are not linked to us as a result of which we cannot include them in and you will not find their products on our Website.

  19. After you key in certain specific Personal Data (as defined in our Privacy Policy) and other relevant data, our Website will generate a price for the financial services product of your choice. Our Website will show a list of Financial Services Industry that offer your selected financial services product with the corresponding prices and an option to click on “How to Apply” with each displayed product. If you choose to click on the “How to Apply” button of a certain Financial Services Industry, you will be redirected to the website of that Financial Services Industry and your Personal Data will be disclosed and forwarded to the selected Financial Services Industry.

  20. We do not own or control any of the Financial Services Industry, the products or services of the Financial Services Industry displayed on our Website nor do we own, control or operate the Financial Services Industries’ websites. We provide the links to the Financial Services Industries’ websites for your reference and convenience only and we accept no responsibility or liability in respect of those websites or for any loss or damage that may arise from your use of them. The Financial Services Industry’s website may very well have its own terms and conditions and privacy policy and you should refer to them before you use the relevant Financial Services Industries’ website.  Any involvement and any dealings you have with a Financial Services Industry are for your own account and entirely at your own risk.

  21. The information displayed on our Website that pertains to the Financial Services Industry, their products and services as well as the (the result of the) generated price, benefits, miles or cashback  is based on information and data we obtain from the Financial Services Industry and the information you submit through our Website. For that reason, we can’t bear any responsibility or liability for the accuracy, completeness or correctness of the Comparison Content nor can we be held responsible or liable for any errors, mistakes or omissions in this respect.

  22. As said, we are commercial loan business website and facilitate the general financial services products of the Financial Services Industry linked to us. We are not a financial services company, a financial services broker, a financial services  agent or a financial services intermediary. Therefore, the content displayed on our Website including but does not in any way suggest, imply, establish or constitute an endorsement, approval, recommendation or advise in respect of a Financial Services Industry or  their products or services including the quality or suitability of the product or service for your (personal) use. This should not be considered or construed to be an offer or solicitation to buy any product or service from the Financial Services Industry or any other third party for that matter.

  23. If you eventually decide to purchase a product or service from a Financial Services Industry, you are entering into an agreement with the Financial Services Industry, not with us. Subsequently, we do not bear any responsibility or liability for your purchase, the suitability or quality of the product or services or the agreement you enter into with the Financial Services Industry.

  24. Ownership and Rights
    This Site including its text, pictures, videos, look and feel, and content (with the exception of contributed content by Users) contains proprietary and or confidential information that is protected by applicable intellectual property and other laws. We and or our licensors are the owner of these rights, title and interest in and to their applicable contribution to this Site. You may not print or otherwise make copies of any such content without our express prior permissions.



Save for your permitted personal use of our Website and services in accordance with these Terms of Use’s you will not use, copy, transmit, deep-link, hyper-link scrape, download, display, duplicate, sell, trade, market, utilize, exploit, publish, distribute, broadcast or reproduce the Website IP or any portion thereof unless you have obtained the prior written approval from us, the relevant Financial Services Provider, or the other relevant third parties we work with, whichever is applicable. You can contact us here

  1. Account Registration
    To use and gain access to the Site’s full range of features offered and made available, you will be prompted to complete the registration process in order to establish a account.

  2. Password and Security
    You are responsible for maintaining the security and confidentiality of the password and your account and are fully responsible for all activities that occur under your password or account.

  3. Privacy Notice
    In the course of you using this Site, we may collect and use information about you in accordance with our Personal Data and Information Notice as well as Privacy Policy.


  1. Personal Use
    Your permission to use the Site is personal to you and non-transferable, and you may not use the Site for commercial purposes. You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Site except as otherwise expressly provided in the Terms of Use or as specifically authorized in a separate written agreement. Your use of the Site and all related products and services is conditional on your compliance with the rules of conduct set forth in these Terms of Use and you agree that you shall not:

    • 27.1. use the Site for any fraudulent or unlawful purpose;

    • 27.2. use the Site to defame, abuse, harass, stalk, threaten or otherwise violate the rights of others, including without limitation others’ privacy rights, rights of publicity or intellectual property rights;

    • 27.3. impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity in connection with the Site; or express or imply that we endorse any statement you make

    • 27.4. interfere with or disrupt the operation of the Site or the services or networks used to make the Site available; or violate any requirements, procedures, policies or regulations of such networks;

    • 27.5. transmit or otherwise make available in connection with the Site any virus, worm, or other computer code that is harmful or invasive or may or is intended to damage the operation of, or to monitor the use of, any hardware, software or equipment;

    • 27.6. reproduce, duplicate, copy, sell, resell, or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Site;

    • 27.7. modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site. If you wish to reverse engineer any part of the Site to create an interoperable program you must contact us and we may provide interface data subject to verification of your identity and other information;

    • 27.8. remove any copyright, trade mark or other proprietary rights notice from the Site or materials originating from the Site;

    • 27.9. frame or mirror any part of the Site without our express prior written consent;

    • 27.10. create a database by systematically downloading and storing Site content;

    • 27.11. use any manual or automatic device in any way to gather Site content or reproduce or circumvent the navigational structure or presentation of the Site without our express prior written consent. Notwithstanding the foregoing, we grant the operators of public online search engines limited permission to use search retrieval applications to reproduce materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of such materials solely in connection with each operator’s public online search service. We reserve the right to revoke these exceptions either generally or in specific instances; and

    • 27.12. create links that are unfair and illegal and or presented in a way that is misleading or could suggest any type of association, approval or endorsement by us which does not exist.

  2. Contributed Content
    Some of the features on the Site allow you to upload and or submit content (“Content”). By uploading and or submit any Content, you represent and warrant that you have all right, title and interest to such posted Content, including but not limited to any consent, and authorization from any third party necessary for you to upload or submit the Content. By uploading or submitting Content, you further agree to give us a non-exclusive, royalty-free, perpetual, worldwide, transferable and sub-licensable licence to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. The Content so uploaded and or submitted further shall not:

    • 28.1. infringe any intellectual property rights or otherwise constitute breach of any agreement with any person or entity;

    • 28.2. defame, be libellous, unlawfully threaten, harass or otherwise contain subject matters that are objectionable;

    • 28.3. be obscene, pornographic or indecent;

    • 28.4. be irrelevant for the purposes of the Services offered on the Site; and or

    • 28.5. otherwise breach any law, statute or regulation.

  3. Linking
    The Site may provide links to other websites and online resources. We are not responsible for and do not endorse such external sites or resources. Your use of third party websites and resources is at your own risk.

  4. Termination
    Posted Content by Users are not necessarily pre-screened or reviewed by us for its appropriateness, reliability and or compliance with any laws, and we do not at any time assume such responsibility. We thus make no representation or warranty of any kind, express or implied as to the content uploaded or submitted by Users. Regardless, without assuming any obligation to do so, we may with or without notice and without liability delete any Content, suspend or delete any account that in our sole judgment violates any Term of Use. If you become aware of any misuse of our Services by other Users, please contact us by sending an e-mail to:

  5. The above is without prejudice to your right to terminate your account and end your use of the Site at any time and for any or no reason.

  6. User Representations, Warranties and Indemnities
    You are solely responsible for the Contents uploaded or submitted on the Site and or the manner with which you have used the Site. We do not endorse and have no control over the Content. For the avoidance of doubt, any use from your registered account or password shall be deemed to be use and thereby, publication or republication by you, wherever applicable, within the meaning and intent of section 114A of the Evidence Act 1950. You agree to indemnify and hold us, our affiliates, employees and agents harmless from any claim or demand made by any third party, whether actual or alleged that arise out in connection with your use of the Site, your violation of any terms and conditions of the Terms of Use, and or arising out of in connection with the Contents uploaded or submitted by you on the Site.

  7. Disclaimer of Warranty and Limitation of Liabilities
    We provide the Site on ‘as is’ and ‘as available’ bases. At no times should the contents provided in this Site be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction. We make no representations or warranties of any kind as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this Site for any particular purpose, and to the fullest extent permissible by the applicable laws, we disclaim all said representations or warranties, express or implied. It shall be your own responsibility to ensure that any products, services or information available through this Site meet your specific requirements.

  8. We will use reasonable efforts to ensure that the Site is available at all times. However, we cannot guarantee that the Site or any individual function or feature of the Site will always be available. In particular, the Site may be unavailable during periods when we are implementing or carrying out essential maintenance on the Site. The unavailability of the Site or certain content on the Site may be due to modification, and temporary or permanent discontinuance which we reserve the right to do so, with or without notice. You agree that we shall not be liable to you or to any third party for any unavailability, modification, or discontinuance of any content.

  9. There may be a need for us to modify these Terms of Use’s at any given time. Before we modify our Website, we will notify you. We will do so by posting a notice on our Website at least fourteen (14) days before such modification becomes effective and enters into force. You will be bound by the modified Terms of Use’s if you (continue to) visit, access or use our Website or obtain or use any of the services rendered by us through our Website after the lapse of the aforementioned fourteen (14) days notification term.

  10. Again, if you are unhappy with our modified Terms of Use’s and you do not wish to accept all of the terms of the modified Terms of Use’s, we kindly ask you to discontinue the use of our Website immediately.

  11. Our Website, the Comparison Content and the services provided by us through our Website are provided on an “as is” and “as available” basis. Even though we will use reasonable measures to ensure the accuracy of the Content, we do not make or give any express or implied representations, warranties or guarantees of any kind in relation to our Website, the services provided by us through our Website or the (content of the) websites of the Financial Services Providers that you may be redirected to including but not limited to any representations, warranties or guarantees in respect of title, non-infringement, suitability, validity, usefulness, accuracy, completeness, security, currentness, quality or fitness for a particular purpose including the purpose of your own personal use.

  12. Further, we do not make or give any express or implied representations, warranties or guarantees for the uninterrupted, error-free, defect-free, virus-free, timely or secure access or use of our Website, the services provided by us through our Website or the (content of the) websites of the Financial Services Industries.

  13. You irrevocably agree to indemnify and hold us harmless for any claims, liabilities, losses, damages,  expenses, costs (including reasonable legal fees), charges, penalties, actions, proceedings and demands, whether direct or indirect, suffered or incurred by us as a consequence of or arising from (i) your use and misuse of our Website; (ii) your breach of any of the provisions of these Terms of Use’s; (iii) your infringement of any intellectual property rights including the Website IP or (iv) any third parties claims against us arising from or in relation to the aforementioned events under (i), (ii) or (iii).

  14. Survival of Clauses
    Clauses 24, and 29-41 will survive the suspension or termination of the Site for any reason whatsoever.

  15. Severability
    If any term in these Terms of Use is or becomes invalid, illegal or unenforceable in any respect under the applicable laws, the validity, legality and enforceability of other terms shall not be affected or impaired in any way.



We reserve the right to terminate, suspend or discontinue your use and access to our Website and we are entitled to cancel your account at all times without giving prior notice and without being required to provide any reason.

Should we fail to exercise or enforce our rights under these Terms of Use’s this will not be deemed or construed to be a waiver of such right; we will remain entitled to exercise or enforce such rights in the future at any given time.

In the event any of the provisions of these Terms of Use’s is rendered unenforceable, null, void, inapplicable, illegal or otherwise invalid in any jurisdiction,  such provision will be deemed substituted by a valid and enforceable provision that is most similar to the (intent of the) original provision and all the other provisions of these Terms of Use’s will remain in full force and effect.


These Terms of Use’s make up the entire agreement between you and us and shall supersede any and all prior verbal or written agreements in relation to our Website or the use of the services provided by us through our Website


Governing Law and Entire Agreement

These Terms of Use shall be governed by and construed in accordance with the laws of Malaysia and parties irrevocably submit to the jurisdiction of the courts of Malaysia to hear and determine any suit, action or proceeding.

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