Risk Disclosure Statement

While the creditworthiness of the Issuer(s) and the Investment Notes issued by the Issuer(s) on our Platform have been assessed by our credit assessment team, an investment in the Investment Products in our Platform comes with risks of partial or total loss of your investment capital. As with all other investments, investing your money for a return always comes with financial risks. You should read and understand the contents of the disclosure document or any relevant agreement or contract before investing in the Investment Notes issued by the Issuer(s) on our Platform.

Where specific products are advertised, please note that:

(i) the advertisement is intended for general circulation;
(ii) the advertisement does not take into account the specific investment objectives, financial situation or particular needs of any particular person;
(iii) advice should be sought from an independent financial, tax, and legal adviser regarding the suitability of the investment product, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of such advertisement before the person makes a commitment to invest in the Investment Product; and
(iv) the advertisement has not been reviewed by the Securities Commission of Malaysia.

Some of the Investment Products on the platform are not insured nor secured. There remain risks that the Issuer(s) may not be able to meet its repayment obligations pursuant to the Investment Notes despite our existing Debt Recovery process and efforts.

You may mitigate the risks by diversifying your investment portfolio with us, i.e. through investing in multiple Investment Notes or Investment Products as opposed to overexposing your investment or concentrating your financial risks into a single Investment Note or Investment Product. The past performance, projection, forecast and/or simulation of results on our Platform are not necessarily indicative of the future or likely performance of any Issuer or Investment Note. The information provided on the Platform also does not take into account your specific investment objectives or financial situation.

Before you act on any information on this Platform, you are advised to seek independent financial, tax and legal advice as you consider necessary or appropriate regarding the suitability of the Investment Products on our Platform. You agree and acknowledge that in investing in the Investment Products or continuing to use our Platform, you understood and agreed to the risks involved and that you have compared and consider all the fees, charges and costs involved before investing in the Investment Products or in your continuance to use our Platform.

Pilot Project Disclosure Statement

As part of our commitment to protect the interest of our Investors, we strive to maintain a high level of diligence in all our investment products. We may be piloting new Investment Products internally ("Pilot Project"). The purpose of the Pilot Project is to first evaluate and assess the legal and commercial risks, feasibility, viability, practicality, design and UI/UX of the Investment Products, before the Investment Products are made available to Investors or to the public. We will notify you once any Investment Products are available for public investment and participation.

Any financial, contractual and legal obligations arising out of or in connection with the Pilot Project offered in our sole discretion to the Issuer(s) and accepted by any Issuer(s), shall remain in full force, valid and legally binding.