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Terms of Use


Copyright in the information contained in this website is owned by CIMB-Principal Islamic Asset Management Sdn Bhd (CIMB-Principal Islamic). No part of this website may be commercially dealt with in any manner without the express prior written consent of CIMB-Principal Islamic. Prior written consent of CIMB-Principal Islamic must also be obtained before this website may be linked to any other websites. Any person who links to this website without the written consent of CIMB-Principal Islamic shall be liable for any claim arising out of the unauthorised linking.

Limitation of Liability

CIMB-Principal Islamic shall not be liable under any contract, tort or otherwise for any loss or damage special, incidental or consequential arising directly or indirectly including but not limited to loss of use, profit, hardware or software failure or malfunction that arise in connection with this website from:

  • Any access, use or the inability to access or use of this website.
  • Any inaccuracies, errors and omissions in the content of the website or defects, interruptions or delay in the e-service.
  • Any electronic viruses or worms.

CIMB-Principal Islamic does not guarantee that access to this website will be uninterrupted or free from errors or that there will be no delays, failures, errors, loss of transmitted information or viruses. However, we at CIMB-Principal Islamic will strive to ensure that all necessary measures are taken to limit the possibility of the defects occurring. At the same time we recommend that the visitors to this website further evaluate the quality, adequacy, suitability and usefulness of the information contained in this website as well as the service(s) that we provide herein.

Visitor Data Collected on this Web Site

Spotlight tags are currently used on our website to automatically collect certain navigational information about visitors to our site. These spotlight tags do not collect personally identifiable information about our website visitors. Spotlight tags only analyze behavior of users who have previously clicked or viewed one of our online advertisements. This information is collected to provide the best user experience within our Web site. This information is stored in a "cookie" specific to this Web site (see "Cookies"). We use the information to improve the content of our Web pages.

A spotlight tag is an HTML tag that is used by a Third party ad server to track the activities of users that visit a given Web page. These activities include information that is not personally identifiable, such as pages visited. At no time do spotlight tags record user name, password, e-mail, IP home addresses, etc. Spotlight activities are reported only if they are created by a user who meets the following three criteria:
  • Either clicks one of our ads and is sent to our Web site, or views one of ours ads and accesses our Web site later
  • Performs an activity on a Web page containing a spotlight tag
  • Performs this activity within 30 days of clicking and/or viewing one of our ads

Use of Cookies

The cimb-principalislamic.com site, like many Web sites, uses "cookies" (information stored on your computer by your browser at our request). Cookies enable the site to "remember" who you are so that you can get around it easier and more efficiently. Cookies allow you to access secured information, conduct secured transactions, and take advantage of promotional opportunities.

Different web sites store the information in cookies differently. We do not record personal or sensitive information in our cookies. Any such information is stored in our protected systems and not in the cookie or on the Internet.

Definition of Cookies

A "cookie" is a small piece of information sent by a web server to a web browser to be read back from that browser. Cookies are a way to have the browser "remember" specific bits of information.

Note: The information stored within a cookie can be read only by the web server that originally sent the cookie. Web servers cannot read cookies sent by other web servers.

Types of Cookies

The two types of cookies are session cookies and persistent cookies. The key difference between session cookies and persistent cookies is the time of expiration.
  • Session cookies expire at the end of the session.
  • Persistent cookies do not expire at the end of the session.

Session Cookies

A session cookie may be created when you visit a site or portion of a site. The cookie exists for the duration of your visit. For example, a session cookie is created when you use the Personal Login to access secured pages on Principal.com. Depending on the settings in your browser, you may have the option to deny the session cookie; however, if you deny the cookie you may have trouble using the site which relies on that cookie.

Session cookies are no longer accessible after one of the following events.
  • The user logs out of a site or a portion of a site.
  • The user shuts down the browser.
  • The session is inactive for a specified length of time (often 20 minutes).
  • The user starts a new Internet session on the same computer.

Persistent Cookies

A persistent cookie is used to store your preferences for use by a single site. A persistent cookie is stored on your hard drive and is read by your browser each time you visit the web site that sent the cookie. Please see the Privacy page for more on the information we collect.

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