Thank you for your interest in RHB’s Services and welcome to the RHB Partner Portal. Please read these terms and conditions (“Terms”) carefully before using Services, RHB APIs or the Website as they are the legal agreement between you and RHB. By accessing this Website and/or using the Services, you agree to be bound by the following Terms.
If you do not accept this Term, please do not proceed as your continued use will be deemed as your acceptance.
Definitions
The following terms and expressions shall have the following meanings throughout the sections of the Terms, unless the context necessitates otherwise:
(i) “BNM” means Bank Negara Malaysia.
(ii) “Content” or “Data” means any materials, information, graphic, texts, images, animations, audio, music, video, Links, advertisements, documents and data displayed, submitted or contained in the RHB Partner Portal / APIs / Website.
(iii) “Customer Service Agent” means our employees and/or representatives who are stationed at our helpdesk to assist you via telephone in accessing and/or using the Services as well as performing certain tasks including but not limited to banking transaction pursuant to your instructions.
(iv) “Link” means a linkage between a product to a channel and/or a hyperlink word on the Website which alerts users of the existence of a link to another page on the internet. It also means a link which is marked as a highlighted word, a different coloured word and/or a graphic (e.g. a trademarked logo or a button) on the Website.
(v) “Personal Data” refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which RHB has or is likely to have access, including data in RHB’s records as may be updated from time to time. Examples of such Personal Data include the individual’s name, mobile number, address, national registration identity card (“NRIC”) number or e-mail address;
(vi) “RHB Partner Portal” is a Website accessed by a third party/partner to obtain API Key and API Documentation. It is an environment for you or your authorized developers to test the API services chosen by using dummy data to response and request.
(vii) “RHB APIs” or “APIs” means the Application Programming Interfaces for the Services made available by RHB on the Website, including any services, functions and features made available through such APIs by or on behalf of RHB, which may be accessed by you in accordance with these Terms.
(viii) “API Key” or “Identifier” means the unique identifier used to authenticate a user, developer, or calling program/software/application/platform to RHB APIs.
(ix) “Application” or “App” means the software application, website or other applications of yours which involves the use of the APIs.
(x) “API Documentation” means any information, guidance, specifications or other documentation and information provided via this Website or otherwise to you about the APIs, this RHB Partner Portal.
(xi) "Services" or "Service" means to any features, capabilities, or services made available through the RHB Partner Portal or APIs, including but not limited to any operational supporting functions like customer service or operational support.
(xii) “API Testing” means your (or a Developer acting on your behalf) testing of any application developed or used by you, or developed on your behalf, for the purposes of enabling your access to, benefit from, reliance on and/or interaction or integration with the APIs.
(xiii) “Account” means your RHB Partner Portal’s account.
(xiv) “Login Credentials” mean the usernames and passwords you or your authorized developers create to access the RHB Partner Portal.
(xv) “Website” means our RHB Partner Portal website at https://partner.api.rhbgroup.com
(xvi) The words “We”, “Us”, “Our”, “Bank” and “RHB” means RHB Bank Berhad, its subsidiaries, associated companies and affiliates from time to time and where the context so requires, shall mean any one or more of them.
(xvii) The words “You”, “Your”, “Yourself”, “the Customer” and/or “the Partner”, means the person accessing this Website and/or using the Services available via this Website.
(xviii) “Intellectual Property Rights” means any right, title or interest in: copyrights, rights in databases, patents, inventions, patents, trademarks, trade names, goodwill, rights in internet domain names and website addresses, designs, know how, trade secrets and other rights in confidential information, whether registered or unregistered and including any applications for registration, renewals or extensions of any of the foregoing.
(xix) “Confidential Information” means all proprietary and confidential information and materials of RHB Banking Group, and/or any of their customers, clients or suppliers which is designated as such, or which by its very nature should obviously be treated as secret and confidential including any non-public information disclosed to you via RHB or RHB APIs, its documentation and data, trade secrets, know-how, strategies, inventions, operations, compliance information, customer lists, personal data of the Bank's customers, plans, market opportunities and business affairs (in each case whether disclosed orally, in writing, electronically or in any other form).
(xx) “Applicable Law” means laws, rules, regulations, regulatory guidance, regulatory requirements and any form of secondary legislation, resolution, policy, guideline, concession or case law of the relevant jurisdiction from time to time having the force of law and relevant to the Bank’s provision of, and Your access to and use of, the Bank’s Services.
1. Use of & Access to RHB Partner Portal/RHB APIs
1.1 These Terms govern the use of the RHB Partner Portal and the Services made available via the Website and are to be read in conjunction with our terms of access and any instructional material provided by us , as well as any other terms, conditions and provisions which we may prescribe and notify from time to time.
1.2 You shall not assign any of your rights and interest in the Account and/or the Services without prior written consent from us. Your obligations and liabilities shall continue regardless of any change by amalgamation, reconstruction or otherwise in your constitution.
1.3 You must ensure that all information you provide us in respect of your registration application and your use of RHB Partner Portal and/or APIs are complete, accurate, up-to-date, true and not misleading. If any of the information that you provide us in support of your registration application changes or becomes inaccurate, you must inform us in writing.
1.4 We may reject or accept your application(s) including but not limited to sign up or onboarding or API subscription at our discretion. We may require additional information, documentation or clarification in respect of any application you make, and we reserve the right not to proceed with an application until we are satisfied it is in line with the Terms. If you do not provide us with the information we require, or if any of the information you provide is incomplete or inaccurate, your application may be rejected.
1.5 In the event that you fail to update us with the required and latest information, we have the right with prior notice to restrict your access from your RHB Partner Portal and/or RHB.
1.6 If you subscribe to our APIs:
I. We will try to ensure that future versions of our APIs are compatible to at least the previous version to the extent reasonably possible.
II. We shall not at any time be obliged to provide any modifications to the APIs, including without limitation any updates and/or upgrades to the APIs or any new versions and/or releases of the APIs which result in new features.
2. Ownership of Intellectual Property Rights
2.1 Except as otherwise expressly stated in this Terms, all rights, title and interest (including any intellectual property rights, trademarks, service marks and logos, whether registered or unregistered) used in the contents of this Website and the Services (including, but not limited to, all design, text, sound recordings, images or links) are the property of RHB Banking Group and/or the respective third party proprietors identified in this Website and/or Services.
2.2 The RHB Partner Portal and/or APIs and the rights granted to you under these Terms are made available to you strictly for your use and access. You are permitted to use the contents and material delivered to you for the Services provided that you also retain all copyright and other proprietary notices contained therein.
2.3 No licence or right is granted and your access to this Website and/or use of the Services should not be construed as granting any license or right to use any trademarks, service marks or logos appearing on the Website whatsoever without the prior written consent of RHB and/or the relevant third party proprietor thereof.
2.4 In accordance with clause 2.3, you, or through any third party, are not permitted to reproduce, transmit, publish, perform, broadcast, store, adapt, distribute, display, license, alter, hyperlink or otherwise use in whole or in part in any manner without the prior written consent of RHB and/or the relevant third party proprietor thereof.
2.5 Your access and use of our Services is non-exclusive, and we reserve the right to develop products and services that may compete with or provide similar functionality to Your App. You also agree that we and our Service Provider(s) may use, modify, display, distribute and create new material using your Content submitted, post or display in the RHB Partner Portal to provide the Services to you and for any lawful purpose. You also agree to only submit Content that you have the right to post and develop, and your Contents do not infringe the intellectual property rights, licenses or any other rights of any third party.
2.6 We may issue directives or instructions in relation to any use of the intellectual and proprietary rights belonging to us (or to our designees) from time to time, and you shall immediately comply with any and all such directives or instructions.
3. Modification, Suspension or Termination of Service
3.1 Despite any other provision contained in these Terms, we may, at any time, with prior written notice to you, remove, discontinue, suspend or terminate the RHB Partner Portal and/or the RHB APIs (or any part of such Service) or your right to access and use the RHB Partner Portal and/or the RHB APIs (or any part of such Service), unconditionally or otherwise, at our discretion.
3.2 Any and all rights and licenses granted to you under these Terms shall cease with immediate effect. Termination or suspension by us of the Service(s) under Clause 3.1 shall not entitle you to, and you waive all rights to any claim or compensation against us for any and all loss or damage suffered or incurred by you as a direct or indirect result of the act of termination or suspension.
3.3 Termination of the Term for any reason, shall not end your obligations or RHB’s rights under any provisions of these Terms which are meant to survive the termination.
3.4 At any time with prior written notice and at our discretion, we may also:
I. impose conditions on any use of an API Key or your access to RHB Partner Portal;
II. request you to enter into further agreement(s) in respect of your use of the Website and/or any of the Services;
III. revoke any API Key issued to you;
IV. terminate the RHB Partner Portal account that are inactive for an extended period of time;
4. Confidential Information
4.1 During your access and use of the RHB Partner Portal, the APIs and any API Documentation or Data provided through the Website, you may obtain the Bank's Confidential Information. Subject to these Terms, you agree to treat all the Bank's confidential information as strictly confidential and shall not use or disclose such confidential information to any third party without our prior written consent.
4.2 You agree to take proper care and all reasonable measures and standard of care to protect the confidentiality of the confidential information in accordance with all Applicable Law.
4.3 Upon termination of your access to the RHB Partner Portal and APIs, or at our request, you agree to destroy or return to us all of our Confidential Information in your possession or control and certify to us that this has been done. The confidentiality obligations shall continue to apply if any of our Confidential Information remains in your possession or control.
5. Representations and Warranties
5.1 To the fullest extent permitted by law, and unless expressly set out to the contrary in these Terms, all warranties and terms which would otherwise be implied by law, custom or usage are excluded from these Terms and the use of the Services is entirely at your own risk. The information and materials contained in or accessed through this Website and/or APIs are provided on an "as is" and "as available" basis and we do not represent or warrant that the foregoing will be accurate and complete, error free, uninterrupted, free from spyware, malware, adware, viruses, worms, or other malicious code, or will function to meet your requirements.
5.2 You represent and warrant to us that:
I. You have ensured that the system and any other computer system through which you will access the Services are free from any electronic, mechanical, data failure or corruption, computer viruses, malware and bugs. We are not responsible for any electronic, mechanical, data failure or corruption, computer viruses, malware, bugs or related problems that may be attributable to Services provided by any internet service provider, network provider, server or such other equivalent system;
II. You own or have properly licensed all rights necessary to develop, distribute, and use your App;
5.3 These representations and warranties shall survive the expiration or termination of these Terms for any reason and be adopted and remain applicable every time you apply for new Services with us. You must notify us in the event of any occurrences resulting in you not being able to truthfully repeat these representations and warranties.
5.4 In addition to those prescribed in clause 5.1, we do not warrant:
I. the security and confidentiality of information transmitted through the internet service provider, network provider or communication network provider or any equivalent system in any jurisdiction via the Website and/or APIs;
II. the quality or standard of third party products or services displayed on the Website, although we have endeavored to ensure a minimum quality and standard for all products & services offered within the Website and/or the APIs;
III. RHB Partner Portal services (or any part thereof) provided under the Website will be available at the times stated in these Terms due to routine maintenance requirements, malfunctions or system failure, excess demands on the system and/or circumstances beyond our control.
5.5 You are advised to consult your own legal advisers before making your independent decisions regarding the information referred to in these Terms.
5.6 You agree that you have placed no reliance on any representations, warranties or guarantees made by us save and except for those representations, warranties or guarantees which have been expressly stated under these Terms.
5.7 This Clause 6 shall survive the expiration or termination of these Terms for any reason.
6. Indemnities and Limitation of Liabilities
6.1 Unless prohibited by Applicable Law, in no event shall RHB, any of its staff, agents, or any third party API provider be liable to you or any other party for any or suspension, upgrade, modification, alteration, damages, losses, expenses or costs whatsoever arising from, but not limited to:
I. the invalidity, incorrectness, inaccuracy or incompleteness of any information provided by you;
II. any delay or failure to act on any instructions that may be provided by you for any reason whatsoever;
III. your access, use, inability to use or participation of this Website and/or the Services, Data & API Documentation, including third party products/services displayed on the Website;
IV. systems failures, processing errors, software defects, operation mistakes, hardware breakdowns, capacity inadequacies, network vulnerabilities, control weaknesses, security shortcomings, malicious attacks, hacking incidents, fraudulent actions and inadequate recovery capabilities;
V. reliance on any information, materials or Services provided on this Website.;
VI. any other authorized or unauthorized party's use and/or access of this Website and/or use of the Services using your user id, API Key, and/or login password;
VII. use of any third party provider(s)’ services and/or software through which you have accessed the RHB APIs that are not controlled by us
VIII. our acceptance of any instruction and/or notice given by you to us (even if such instructions may be fraudulent or unauthorised);
IX. any act or omission or misuse or the breach of this Terms by you or another authorized or unauthorized party;
X. violation of any rights of another including infringement of third party intellectual property by you or an authorized or unauthorized party; and/or
XI. our complying with any court judgment or any court order, or any decree or directive whether or not having the force of law issued by any legally constituted tribunal body entity or authority, arising from any court actions or court proceedings or from any other proceedings, actions, or claims other than that of a court and which are applicable to or directed to or in any way related to you, and/or the Account of whatsoever description which is/are maintained with you, and/or any information, particulars or matters contained in the Account.
6.2 You shall also be fully responsible for any inaccurate, untrue or incomplete information provided as we are authorised to disclose the information available to Bank Negara Malaysia in compliance with the Central Bank of Malaysia Act 2009 and the FSA 2013 or the IFSA 2013.
6.3 You agree to defend, fully indemnify and hold harmless RHB and its related corporations, and any of their officers, directors, agents, employees and licensors, from and against all liabilities, losses, damages, expenses and costs (including legal costs) suffered or incurred by RHB in connection with or arising from, but not limited to:
I. those prescribed in clause 6.1;
II. any amounts due from you or other users of the Services in connection with the purchase and/or subscription of any products/Services, including third party products/services;
6.4 We shall not be liable for any loss of profits, loss of business, loss of use, loss of goodwill, lost savings or other consequential, special, incidental, indirect, exemplary or punitive damages suffered by you by reason of any delay in performance or non-performance or breach of any of our obligations whether arising from any breach of these Terms or howsoever (unless the same is attributable to our gross negligence, willful default or fraud).
6.5 This indemnity shall continue regardless of the termination of any Service and/or closure of the Account.
7. Audit/ Governing Law/ Regulatory Bodies
7.1 We may monitor and audit your activities in the RHB Partner Portal and/or utilization of the Services. You will promptly provide us with any information that we may request from you on your activities. We may also without notifying you furnish to any regulator or governmental authority, foreign or domestic, with information on your activities in the RHB Partner Portal and/or utilization of the Services.
7.2 These Terms shall be subject to, governed by, and construed in accordance with laws of Malaysia. The Parties hereto shall submit to the exclusive jurisdiction of the courts in Malaysia. Any products and services offered by us to you shall be subject to the said laws, any applicable rules, regulations and guidelines of BNM, where applicable.
7.3 Your use of the Website and the services specified in these Terms must not violate the Applicable Laws. You are responsible for making sure that your activities in the RHB Partner Portal and/or utilization of the Services complies with all laws and regulations applicable to you without us being obligated to inform or notify you of such laws.
8. Restriction on use
8.1 As a condition of your permitted use of the RHB Partner Portal and/or the RHB APIs, you undertake that you will not use the Website/the RHB Partner Portal and/or the RHB APIs (or any service, information or product thereunder):
I. for any unauthorized, illegal or unlawful purpose or where otherwise prohibited under law;
II. where prohibited by these Terms; or
III. in any manner which could damage, disable, overburden, corrupt or impair the Website or the hardware or application and software system, security protocols, information/service provider networks or other operations or interfere with any party's use and enjoyment of the Website.
IV. for any purpose that could, or could potentially infringe the copyrights, Intellectual Property rights, privacy, confidentiality or other rights of any third party.
8.2 In addition to clause 8.1 above, you shall not:
I. attempt to gain unauthorised access to any account(s) or any hardware and software system, security protocols, information/service provider networks or other operations connected to the Website/the RHB Partner Portal and/or the RHB APIs, through hacking, password mining or any other means.
II. obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website/ the RHB Partner Portal and/or the RHB APIs.
III. modify, copy, distribute, transmit, use or otherwise deal with any of the products, services, information or the Content of the Website/the RHB Partner Portal and/or the RHB APIs without obtaining our prior written approval unless expressly allowed under these Terms.
IV. use the RHB Partner Portal and/or RHB APIs in a manner that exceeds reasonable request volume, constitutes excessive or abusive usage or otherwise fails to comply or is inconsistent with any part of the API Documentation.
8.3 Any breach of the aforesaid restrictions shall result in immediate and automatic termination of all rights and license granted hereunder. The use restrictions set out herein shall survive the termination of these Terms.
9. Security
9.1 You must not disclose any of the Identifiers or Login Credentials to anyone even if he/she is your director, shareholder or another employee, if applicable, or to any of our staff, Customer Service Agent, or RHB helpdesk. All such passwords and Identifiers must be kept strictly confidential. We maintain strict security standards and procedures to prevent unauthorised access to information about you. We will never contact you to ask you to validate personal information such as your user ID, Password or API Key.
9.2 You may not sell, transfer, sublicence, or otherwise disclose or use your Login Credentials for any other purpose than as authorized under this Terms.
9.3 You must not let anyone else operate the RHB Partner Portal for you, leave the computer terminal or Mobile device unattended whilst you are logged on to the Service, nor save the Identifiers on any prompt in the personal computer or Mobile, whether with or without your consent.
9.4 You shall not access the RHB Partner Portal and/or the RHB APIs using any computer, system or other device which you do not own unless you have received the owner's permission.
We are entitled at any time, to invalidate or cancel any or all of your Identifiers with prior written notice if the integrity or security of the Identifiers or any part of the RHB Partner Portal and/or the RHB APIs services are compromised, suspected to have been compromised, or threatened in any way whatsoever.
10. Privacy
10.1 By accessing the Website and utilizing the APIs and/or Services provided within the Terms, you agree and consent to your Personal Data being collected, processed and used by the Bank in accordance with RHB Banking Group’s Privacy Notice (hereinafter defined). In the event that you are approved to access RHB APIs that result in the processing of Personal Data, you may be required to enter into a separate agreement with us which sets out the terms on which such Personal Data will be processed.
10.2 You acknowledge that the RHB Banking Group may modify or update its Privacy Notice from time to time, a copy of which is available at
PDPA Privacy Notice (“Privacy Notice”).
10.3 You acknowledge, agree and accept RHB's Privacy Policy at Privacy Policy ("Privacy Policy") which sets out RHB's general practices relating to the use and storage of the information you have provided to us online via this Website. In addition to the purposes of collection of Your information as stipulated in the Privacy Policy, You further acknowledge that Your information which is already in our possession, along with any additional information you may provide via this Website will be used to provide you with the Services and/or any additional services you have requested.
10.4 In addition to the Privacy Policy, you also agreed that we will
i. Retain your Personal Data for legal, regulatory, business and operational purposes.
ii. To the extent permitted by law, record and monitor your electronic communications with us to ensure compliance with our legal and regulatory obligations and internal policies for the purposes outlined above.
11. Waiver
11.1 If we fail to or neglect to enforce any terms, provisions or remedies under these Terms or otherwise in relation to Services or items provided in the Website, for whatever reason, we shall neither be construed as having waived our rights to any preceding, continuing or subsequent breach of the same or any other provisions stated in these Terms.
12. Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (“AMLA”)
12.1 You hereby represent, warrant and undertake that:
a) you have not engaged, and shall not at any time engage, directly or indirectly, in a transaction that involves proceeds of an unlawful activity or instrumentalities of an offence;
b) you have not acquired, received, possessed, disguised, transferred, converted, exchanged, carried, disposed of or used, and shall not at any time acquire, receive, possess, disguise, transfer, convert, exchange, carry, dispose of or use, proceeds of an unlawful activity or instrumentalities of an offence;
c) you have not removed from or brought into Malaysia, and shall not at any time remove from or bring into Malaysia, proceeds of an unlawful activity or instrumentalities of an offence;
d) you have not concealed, disguised or impeded, and shall not at any time conceal, disguise or impede, the establishment of the true nature, origin, location, movement, disposition, title of, rights with respect to, or ownership of, proceeds of an unlawful activity or instrumentalities of an offence;
e) you will at all times comply with the Regulatory Requirements (as defined below in Clause 12.3);
f) you will be fully liable if found to have contravened the Regulatory Requirements (as defined below in Clause 12.3) causing legal repercussion to RHB due to its actions; and
g) you understand that any breach(es) due to AMLA and sanction requirements are non-negotiable.
12.2 For the purpose of this Clause, the following are the definitions:
“instrumentalities of an offence” means:
a) anything which is used in, or in connection with, the commission of any unlawful activity; or
b) any property which is wholly or partly used in, or in connection with, the commission of any unlawful activity,
whether the thing or property is situated within or outside Malaysia.
“proceeds of an unlawful activity” means any property, or any economic advantage or economic gain from such property, within or outside Malaysia:
a) which is wholly or partly:
(i) derived or obtained, directly or indirectly, by any person from any unlawful activity;
(ii) derived or obtained from a disposal or other dealings with the property referred to in subparagraph (i); or
(iii) acquired using the property derived or obtained by any person through any disposal or other dealings referred to in subparagraph (i) or (ii); or
b) which, wholly or partly, due to any circumstances such as its nature, value, location or place of discovery, or to the time, manner or place of its acquisition, or the person from whom it was acquired, or its proximity to other property referred to in subparagraph (a)(i), (ii) or (iii), can be reasonably believed to be property falling within the scope of subparagraph (a) (i), (ii) or (iii);
“property” means:
a) assets of every kind, whether corporeal or incorporeal, moveable or immovable, tangible or intangible, however acquired; or
b) legal documents or instruments in any form, including electronic or digital, evidencing title to, or interest in, such assets, including currency, bank credits, deposits and other financial resources, traveller’s cheques, bank cheques, money orders, capital market products, drafts and letters of credit,
whether situated within or outside Malaysia, and includes a legal or equitable interest, whether full or partial, in any such property;
“unlawful activity” means:
a) any activity which constitutes any serious offence or any foreign serious offence; or
b) any activity which is of such a nature, or occurs in such circumstances, that it results in or leads to the commission of any serious offence or any foreign serious offence,
regardless whether such activity, wholly or partly, takes place within or outside Malaysia;
“serious offence” means:
a) any of the offences specified in the Second Schedule of AMLA;
b) an attempt to commit any of those offences; or
c) the abetment of any of those offences;
“transaction” includes an arrangement to open an account involving two or more persons and any related transaction between any of the persons concerned and another.
12.3 You acknowledge and agree that:
a) RHB is obliged to comply with all applicable laws, regulations, directives, policy documents, guidelines, practice directions, sanctions, industry standards and practices and other requirements, including without limitation the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, the Strategic Trade Act 2010, Financial Services Act 2013, to which RHB as a licensed financial institution may from time to time be subject to in Malaysia (collectively, “Regulatory Requirements”);
b) RHB shall be entitled to do or refrain from doing any act or thing, for compliance with the Regulatory Requirements;
c) if RHB is of the opinion that any event or circumstance (whether related or not), which would make it unlawful or illegal for RHB to approve the application has occurred or arisen, or the approval of the application would contravene any of the Regulatory Requirements (in whole or in part), including without limitation RHB’s receipt of any alert or positive name match from the relevant checks conducted on You and any related third party involved in the underlying transaction(s) (including without limitation the vendor/ developer/ promoter/ agent/ trustee/ supplier who are involved in the provision of Services) by RHB pursuant to the Regulatory Requirements, then, notwithstanding anything to contrary contained in this Terms, RHB shall, at any time by giving not less than seven (7) working days written notice or such shorter period as required or permitted by such Regulatory Requirements, be entitled to:-
i. suspend the Services, and do all such acts and things as may be necessary to comply with the Regulatory Requirements; and/ or
ii. terminate its relationship with You, and do all such acts and things as may be necessary to comply with the Regulatory Requirements.
d) if the Services is terminated by RHB pursuant to their compliance to Regulatory Requirements:
i. no utilisation or further utilisation of the services under the Terms shall be made allowed; and
ii. RHB shall be entitled to exercise all or any of its rights and remedies available to it under the Terms, the applicable laws or otherwise;
e) You shall provide all such documents and information as RHB may require (at all times during the term of the Services) for the purposes of complying with the Regulatory Requirements;
RHB shall be entitled to stop all services to be performed and received under the Terms, until such further notice (revocation order) is received from the said enforcement agency or the cease of the order (whichever the first); or unless there is a variation order.
13. Amendments to the Terms
13.1 These Terms supersede all prior terms and conditions governing the Services, unless specified and notified otherwise by us.
13.2 We reserve the right to amend, supplement, vary and/or to supersede these Terms, modify or upgrade the Services, APIs or Data or to introduce new terms and conditions to cater to new products or Services by giving twenty one (21) calendar days’ prior written notice with reason(s) to you before the new terms and conditions take effect.
13.3 The continued use of the Services by you after the effective date of such change of these Terms shall be deemed to constitute acceptance of such changes without reservation by you.
13.4 These Terms may be available from our Website or through any delivery channel as we may determine from time to time.
13.5 We may offer new or additional features, products and Services to you and your acceptance or the use of such additional features, products and Services shall be deemed acceptance of these Terms and the additional terms as may be stipulated by us.
13.6 These Terms together with any subsequent additions, deletions or amendments that we may make from time to time shall apply to any future Account which you may maintain with us.
13.7 However, in cases of urgency or in order to protect the security of the provided Services, or in other circumstances beyond our control, when we find it necessary to vary, modify, delete or add to these Terms with sufficient notice to you, we will inform you of such changes as soon as practicable and/or the reasons for such changes. You further agree and accept that your continued access and use of these Terms (as varied and modified from time to time) will amount to your acceptance of any variation, deletion, modification or addition to these Terms.
14. Severability
14.1 Any term or condition in these Terms which is unenforceable, illegal or prohibited shall not affect the validity of the remaining terms and conditions.
15. Anti-Bribery and Corruption
15.1 By accepting this Terms, You warrant to RHB that:
a. You will be compliant with all anti-corruption and anti-bribery laws, such as the Malaysian Anti-Corruption Commission Act 2009 and all other relevant laws and regulations relating to anti-corruption and anti-bribery as enforced from time to time;
b. You have read and understood the RHB Banking Group’s Anti-Bribery & Corruption Policy (available atwww.rhbgroup.com ) and acknowledge RHB’s zero tolerance stance on corruption;
c. You will ensure all business dealings with RHB Banking Group will be conducted with upmost integrity;
d. Should You learn or have reason to know of any offering or solicitation of gratification such as payment, gift or other transfer of value either directly or indirectly, to any person corruptly that would violate any anti-corruption or anti-bribery laws or its other relevant regulations, I/we shall immediately disclose such activity to RHB via the Group’s primary whistleblowing channel at speakup@rhbgroup.com. I/we acknowledge that all whistleblowing matters will be managed in accordance with RHB’s Group Whistleblowing Policy (available at www.rhbgroup.com).
15.2 For any additional information on RHB’s anti-bribery and corruption practices, you may contact Group Integrity & Governance division of RHB via integrity.governance@rhbgroup.com.