1. Acceptance of Terms
By accessing or using afi-global.org and its subdomains (“Site”), you agree to comply with these Terms of Use (“Terms”) and our Privacy Policy. If you do not agree, please discontinue use of the Site.
2. Eligibility
The Site is intended for use by professionals, institutions, and individuals interested in financial inclusion. By using the Site, you confirm you are at least 18 years old or have appropriate supervision.
3. Permitted use
- You may access, view, and download publicly available content for personal, academic, or institutional use consistent with AFI’s mission.
- You may not use the Site for unlawful, fraudulent, defamatory, or commercial advertising purposes.
- You may not attempt to hack, disable, scrape, or overload the Site.
- You may not use AFI’s name or logo without prior written permission.
4. Intellectual property
Unless otherwise indicated, all content on this Site—including text, graphics, logos, photos, videos, and publications—is the property of AFI or its licensors and protected by copyright, trademark, and other laws. You may not reproduce, distribute, or modify content without permission, except as allowed under fair use or relevant statutory exceptions.
5. Disclaimer
Content on this Site is provided for general information and knowledge-sharing purposes only. AFI makes no warranties, express or implied, as to the accuracy, completeness, reliability, or suitability of content. This Site does not provide legal, financial, or professional advice.
6. Limitation of liability
To the maximum extent permitted by law, AFI and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of the Site, even if advised of the possibility of such damages.
7. External links
Our Site may contain links to third-party websites. AFI does not endorse and is not responsible for the availability, accuracy, or practices of such external sites. Use them at your own risk.
8. Suspension & termination
AFI may suspend or terminate access to the Site at any time, with or without notice, if we reasonably believe you have violated these Terms or applicable laws.
9. Changes to Terms
AFI may update these Terms periodically. The “Last updated” date above indicates the most recent changes. Continued use of the Site after changes means you accept the revised Terms.
10. Governing law
These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to conflict-of-law principles. If you are an EU/EEA user, mandatory local consumer protection laws may also apply.