Terms of Use

This website www.analytics.ram.com.my (the “Website” or the “Site”) is owned by RAM Holdings Berhad and its affiliates (collectively or individually referred to as “RAM”).

The following terms shall have the meaning as specified:

  • “Website Services/Content” shall include all services and materials displayed and contained in the Website and may include information, data, materials, graphics or other information as well as webpage modules.
  • “User” shall refer to any person or entity who has access to the Website, including but not limited to subscribers of Website Services/Content

Access to and the use of the Website and its Website Services/Content shall be conditional on your agreement to the Terms of Use. By using or visiting and continuing to access the Website including creating a User account, the User has indicated acceptance of the Terms of Use, to which all Users shall by be bound.

Scope of the Terms of Use

These Terms of Use govern the usage of the Website and Website Services/Content. Specific terms or agreements may apply to the use of certain services provided in the Website Services/Content and such terms shall prevail in the event of any conflict with the Terms of Use herein.

Restrictions on the Use of the Website

Except as expressly stated in the Terms of Use or otherwise permitted in writing by RAM, the User may not:

  • License, sublicense, transfer, sell, resell, publish, reproduce and/or otherwise redistribute any component of the Website and Website Services/Content, in any manner;
  • Use the Website and Website Services/Content as part of any intranet or other internal network that does not belong to RAM;
  • Modify, reverse-engineer, disassemble or decompile any component of the Website and Website Services/Content, in whole or in part in any manner that either competes or is intended to compete with RAM and its affiliates, including without limitation, any derivative works based thereon; and
  • Use the Website and Website Services/Content for any illegal or unlawful purposes or in any manner inconsistent with the Terms of Use.
Modifications to Terms of Use

RAM reserves the right at any time and at its sole discretion to revise, update, change, alter and vary the Terms of Use and/or the Website Services/Content. The continued usage of the Website and Website Services/Content by Users following any such revision, update, change, alteration or variation shall constitute as the Users’ acceptance of, and agreement to such revision, updates, changes, alteration and/or variation to the Terms of Use.

Intellectual Property Rights

Users acknowledge that all information, data, materials, reports, results, analyses, graphic and visual contents as well as any software programs available on or through the Website are protected by copyright and applicable proprietary and intellectual property laws. All rights, titles and interests pertaining to the Website and Website Services/Content are the sole property of RAM. The RAM’s name and its logo as well as the trade names of its products, are trademarks of RAM.

Limitation of Liability and Disclaimer
  • The Website and Website Services/Content are provided on an "as is" basis. The Website Services/Content are not intended to represent any recommendation or investment advice on which reliance should be placed by any User. RAM accepts no responsibility or liability arising from the use of the Website Services/Content, or any decision made or action taken by any User in reliance upon such content, or by any other persons who may be informed or have received or have relied upon any of the Website Services/Content or for any losses or damages howsoever suffered (whether direct, consequential, special, punitive, indirect or otherwise).
  • RAM shall use reasonable endeavour and care to ensure that information contained in the Website and its Website Services/Content are accurate, correct or obtained from sources believed to be reliable.
  • The Users acknowledge that they have read and accept the terms of RAM’s Privacy Policy with respect to any personal information.
  • The User shall agree to indemnify, defend, and hold harmless RAM and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, claims, actions, awards, penalties, fines, costs, or expenses of whatever kind, including legal fees, arising from or relating to the User’s use or misuse of the Website Services/Content to the content the User submits or make available through the Site.
  • RAM shall not in any circumstances be liable to the User or any third party for any loss or damage caused or arising from contingencies beyond its control in the procurement, compilation, interpretation, editing, reporting or delivering of the Website Services/Content or any part thereof.
Password Policy

The use of certain portions of the Website and Website Services/Content may require a user password. As part of the registration process, the User who wishes to gain access shall select a member name and password and provide RAM with accurate, complete and up-to-date information. Accordingly, all Users must keep their password secret and secure. By agreeing to these Terms of Use, all Users shall be solely responsible for the confidentiality and use of their respective password, as well as for any communications entered through the Website using their password. As a condition of this use, all registered Users will notify RAM if they become aware of any loss or theft of their password or any unauthorized use of their password. RAM reserves the right to delete or change a password at any time and for any reason.

Violation of Terms of Use

RAM reserves the right to seek any and all remedies available to it at law or in equity for any violation of these Terms of Use, including but not limited to the right to block a violating User's access from the Website and Website Services/Contents. RAM further reserves the right to determine whether or not a User has committed any violation of the terms and conditions herein.

Anti-Bribery and Compliance with the Laws

The User shall comply with all applicable laws, rules, regulations and guidelines governing their duties, obligations and business practices, including but not limited to compliance with the Malaysian Anti-Corruption Act 2009, Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, and any subsequent additions, amendments or revisions thereto, and shall obtain all approvals, consents, authorisations and licenses whatsoever which are deemed necessary for its operations.

If any User is in breach this Clause, in addition to any other rights or remedies RAM may have, RAM may immediately terminate User’s access to the Website and Website Services/Content.

Applicable Law

These terms and conditions shall be governed by the laws of Malaysia and the User hereby submits to the jurisdiction of the Courts of Malaysia.


No failure to exercise, and no delay in exercising, on the part of either the User or RAM, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder.