Term of Use:


The use of this website is subject to the following Terms of Use (the “Terms”). By using this website, you confirm your agreement with these Terms, as amended from time to time, without limitation or qualification. Please read these conditions carefully before using this website.

NX FINPLAN reserve the right to amend these Terms at any time. You are bound by any such revisions and should therefore periodically visit NX FINPLAN’s websites to review the most updated and current conditions to which you are bound, which can be found by clicking the hyperlink “Terms of Use” at the bottom of the NX FINPLAN websites.


Additional or different terms and conditions may apply to specific products or services offered by or on behalf of NX FINPLAN. It is therefore recommended that you familiarise yourself with the specific terms and conditions that apply to the products or services that you may procure from NX FINPLAN.


The information contained in this website is for general information purposes only. While we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

All site content shall not be construed as a recommendation to buy or sell any security or financial instrument, or to participate in any particular trading or investment strategy. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Comments posted to this site are the sole responsibility of the writers and should be written using polite, appropriately acceptable English. As site publisher, we are not responsible and will not be held liable for knowing whether the content of a comment breaks the law in other countries or jurisdictions. The site publisher reserves the right to not publish or subsequently delete, without notice, any comment for any reason. Posting of a comment does not mean that the site publisher has verified or endorsed the information. Any comments made on the site will be reviewed before they are posted.

Through this website you are able to link to other websites. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

We will not be held liable by any user for any information stated or displayed on the site. Site content is the opinion of the writer and is not intended to malign nor cause harm to any religion, ethnic group, organization, club, company, or individual. As site publisher, we are not responsible for defamatory statements bound to government, religious, or other laws from the writers country of origin.

Names, images and other copyrighted material are owned by their respective owners with credit given as and when possible. If you are the owner of any copyrighted material that appears on this site and wish to see it removed, do contact us. Every effort is made to keep the website up and running smoothly. However, we take no responsibility for, and will not be liable for, the website being temporarily unavailable.

Copyright/Distribution: Distribution or replication of this site’s content is prohibited without prior written consent of the site publisher.

To the fullest extent permissible pursuant to applicable laws and regulations:

(1)        This website and all its content (including without limitation functions, text, data, materials, information, graphics, logos, icons, images, photographs, structure, arrangement, lay-out, “look and feel”, audio clips, sounds, music, videos, and software, and any combination thereof) (the “WebsiteContent”) are provided “as is” without warranties of any kind, whether express or implied. NX FINPLAN hereby disclaims any and all warranties, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, title and non-infringement of third party rights.

(2)        NX FINPLAN does not warrant that the website or the Website Content will be uninterrupted or error-free, that defects will be corrected, or that the website, the Website Content, or the server that makes it available are free of viruses, contamination, destructive features or other harmful components.

(3)        NX FINPLAN hereby disclaims any and all liability for the acts and omissions of third party in connection with or related to the website, the Website Content or NX FINPLAN’s products or services.

(4)        NX FINPLAN does not warrant or make any representations in terms of suitability, comprehensiveness, accuracy, reliability, or otherwise regarding the Website Content or its use or results. The Website Content is not intended to be or contain a complete description of all terms, conditions or exclusions applicable to the products and/or services described or referred to on this website, but is provided solely for informational purposes. For details please refer to the specific terms and conditions provided in the relevant policies or agreements.

Your sole remedy against NX FINPLAN if you are dissatisfied with the website or the Website Content is to stop using them.

NX FINPLAN reserves the right to modify, suspend or terminate the website or any portion thereof, its operation, or the access to the website or any portion thereof, for any reason, at any time, and without notice.



While NX FINPLAN uses reasonable efforts to include accurate and up to date information on its websites, errors or omissions may occur. To the fullest extent permissible under applicable laws and regulations, under no circumstances including without limitation negligence, will NX FINPLAN or any party involved in creating, producing, or delivering the website or the Website Content be liable for any special, indirect, incidental, consequential or punitive damages, losses, liabilities, costs, expenses and/or consequences of any nature (including without limitation loss of data or profits), whether based on contract, negligence or tort, arising out of or in connection with the access to, use of, reliance on, or the inability to use the Website Content or any content available on other websites linked to this website, any system, server or connection failure, any interruption or delay in transmission, or any computer viruses, even if NX FINPLAN or any NX FINPLAN representative has been advised of the possibility of such damages, losses, liabilities, costs, expenses and/or consequences. To the fullest extent permissible under applicable law, in no event shall NX FINPLAN's total liability to you exceed the amount paid by you, if any, for accessing this website.


You agree to indemnify and hold harmless NX FINPLAN, its officers, directors, shareholders, successors, assigns, employees, agents, subsidiaries and affiliates, from any claims, losses, liabilities, damages, expenses and costs (including attorneys’ fees and court costs) claimed by a third party and arising directly or indirectly out of or relating your use of the website.


This website is owned or licensed by NX FINPLAN, and operated by or on behalf of NX FINPLAN. Except as expressly permitted by NX FINPLAN in writing, no part of this website or the Website Content may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any way for public or commercial purposes. You may use the website or the Website Content solely for your personal use and only under the condition that you retain all copyright and other proprietary notices contained on the materials. Use of any part of the website or the Website Content does not grant you any rights of ownership or any rights that are not expressly granted to you under these Terms or otherwise in writing by NX FINPLAN.

NX FINPLAN neither warrants nor represents that your use of this website or any Website Content will not infringe third party rights.


Unless otherwise expressly set forth herein, NX FINPLAN makes no representation that the Website Content is appropriate or available for use in any location or jurisdiction. Some products and services may not be available in all jurisdictions. When you choose to access this website and/or use the Website Content you do so on your own initiative and at your own risk, and it is your responsibility to comply with applicable laws and regulations.

Except as expressly set forth herein the materials and/or information contained on this website are not an offer to sell or a solicitation to buy any insurance product or other product or service from NX FINPLAN. No insurance product or other product or service is offered or will be sold by NX FINPLAN or, if sold by NX FINPLAN will be effective, in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under insurance or other laws or regulations of such jurisdiction.



Information provided on this website should not be construed as an offer of securities for sale, or a solicitation of an offer to purchase securities. Past performance is not necessarily an indication of future performance. Any person considering an investment in the securities of NX FINPLAN should seek independent professional advice prior to making any investment decision.


Any information, other than personal data or information, that you transmit, post, upload, input or submit to NX FINPLAN via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions (individually or collectively a “Submission”), will be treated as non-confidential and non-proprietary information and will become the property of NX FINPLAN. Such Submission may be used by or on behalf of NX FINPLAN free of charge for any purpose, including without limitation to copy, reproduce, publicly display, disclose, transmit, publish, broadcast post, edit, translate and reformat, and NX FINPLAN shall have the right to publish your name in connection with your Submission. NX FINPLAN shall be allowed to use any ideas, concepts, know-how, techniques or proprietary information contained in any Submission free of charge for any purpose, including without limitation to develop or market products or services using or containing such Submission. In addition, NX FINPLAN shall have the right to assign or license such Submission or proprietary rights in such Submission to any third party without your consent and free of charge.

NX FINPLAN shall not be under any obligation to post, disclose, publish or in any way use any Submission, and may remove any Submission in it sole and absolute discretion.

By transmitting, posting, uploading, inputting or submitting a Submission, you warrant and represent that you own or have been granted all rights necessary to transmit, post, upload, input or submit your Submission and to allow for the assignment to and usage by NX FINPLAN as set forth in these Terms.

You hereby waive all applicable rights you may have in any Submission for the purposes set out in these Terms.

NX FINPLAN may disclose any information it possesses about you (including your name and contact details) if NX FINPLAN determines that such disclosure is necessary or useful in relation with any investigation or complaint regarding your use of the website, or to identify, contact or bring legal action against anyone who may be damaging or interfering with (whether intentionally or not) NX FINPLAN’s rights or property, or the rights or property of the website’s visitors or users, including NX FINPLAN’s customers or policyholders, or if NX FINPLAN determines that applicable laws require or authorise such disclosure. NX FINPLAN reserves the right at all times to disclose any information that it deems necessary or useful to comply with any applicable laws, regulations, legal processes or governmental or court requests.


This website and the Website Content, the “NX FINPLAN” trade mark and all other trade marks and service marks, whether they are figurative or not, as well as all trade names, brand names, business names, illustrations, images, logos which appear on or in relation to NX FINPLAN products or services, whether registered or not (the "Trade Marks"), and all other intellectual property rights (including, without limitation, registered or unregistered designs, copyrights, trade marks, service marks, logos, trade dress, trade names, trade secrets, patents, inventions, know-how, and moral rights) in or related to this website, the Website Content and NX FINPLAN’s products and services (the "Intellectual Property Rights") are and remain the exclusive property of NX FINPLAN and/or its licensors and are protected by applicable intellectual property laws and treaties around the world. All such rights are reserved.

Other than as expressly set out in these Terms and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any part of the Website Content, the Trade Marks or Intellectual Property Rights without NX FINPLAN’s express written consent. Except as provided herein, your use of the Website Content, the Trade Marks or Intellectual Property Rights is strictly prohibited.

To the extent that any software is made available or provided to you on this website, NX FINPLAN grants you a non-exclusive, limited and personal licence to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the exclusive property of NX FINPLAN or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.



At NX FINPLAN, we take our user's security and confidentiality very seriously. There is inherent risk in doing business with anyone over a public medium like the Internet. NX FINPLAN has implemented measures to reduce these risks. Physical, electronic, and managerial measures are in place to protect your data. Secure socket layer (SSL) protocols are in use for all websites or sections involving personal and sensitive information.

If you open or register for an online account, you must complete the registration process and provide up to date, comprehensive and accurate information as required in the applicable registration form. You may also be requested to choose a password and a user name. It is your responsibility to protect and maintain the confidentiality of your password and account. You are entirely responsible for any and all activities that occur under your account and you must notify NX FINPLAN immediately of any unauthorised use of your account or any other breach of security. NX FINPLAN and its service providers will not be liable for any damages, losses, liabilities, costs, expenses and/or consequences of any nature that you may incur as a result of someone else’s use of your password or account, whether it is with or without your knowledge or consent. You may however be held liable for damages, losses, liabilities, costs, expenses and/or consequences of any nature incurred by NX FINPLAN or another party due to the use made of your account or password. It is prohibited to use anyone else's account at any time without the account holder’s consent or permission.


Links to third party websites

This website may link to third party websites that are not under the control of or maintained by NX FINPLAN. NX FINPLAN is not responsible for the availability, content or accuracy of, or any updates or changes to any external websites and does not make any warranty, express or implied, with respect to the use of any external links or websites. The inclusion of any link to such websites shall not constitute or imply any form of cooperation with, approval of or endorsement by NX FINPLAN of the websites or their content. You acknowledge and agree that you use and access such hyperlinks and websites at your own risk.

Links between NX FINPLAN websites

This website may also contain hyperlinks to NX FINPLAN websites from different jurisdictions. Products, services, materials and information provided in those NX FINPLAN websites may only be addressed to persons located or residing in that particular jurisdiction, and may not be intended for persons located or residing in other jurisdictions where distribution of such products, services, materials or information may be restricted.


Links from third party websites to NX FINPLAN websites

You must obtain the written approval of NX FINPLAN before creating or installing any link in any form from a third party website to any NX FINPLAN website. NX FINPLAN shall have the absolute discretion whether or not to approve such hyperlink. If NX FINPLAN decides to approve a hyperlink, such link shall display the NX FINPLAN name or website address in full and in plain letters, and it should link to the homepages of our websites directly. NX FINPLAN shall have no obligation to establish a reciprocal link back to your website following the establishment of a link from your website to any NX FINPLAN websites.

Embedding any part of the Website Content in third party websites using framing or any other technology or process is prohibited.

NX FINPLAN will not approve hyperlinks to any NX FINPLAN website from websites that contain any materials or information that may be libelous, defamatory, pornographic, or obscene, that violate any laws or regulations, or that infringe upon any third party rights.

NX FINPLAN reserves the right to at any time in its absolute discretion rescind any approval granted and require the removal of any hyperlink to NX FINPLAN websites.

NX FINPLAN is not responsible for the setup of any hyperlinks from third party websites to any NX FINPLAN website. Any link so setup shall not constitute or imply any form of cooperation with, approval of or endorsement by NX FINPLAN of such third party websites. NX FINPLAN is not responsible for any consequences arising out of or in connection with such links or their use.


NX FINPLAN may set cookies on your web browser as you visit NX FINPLAN websites or portals. Cookies are small pieces of information sent by a web server and stored by the user’s browser on the local hard drive, which will be sent back to the web server on future visits. A browser only permits a website to access the cookies it has set, not those set by other websites. There is no personal data and no personally identifiable information in cookies, and it cannot be used to obtain other information on your computer.

NX FINPLAN may use cookies for a number of purposes, including with limitation to improve the user experience by remembering preferences between visits, information between pages to avoid data re-entry, and to maintain your identification after you login to one of our secure portals.

NX FINPLAN may also use web beacons or log files to track visits to NX FINPLAN websites and to gather traffic statistics to help in the continuous improvement of NX FINPLAN websites and portals. Web beacons are small snippets of code contained in web pages and emails to collect information through a graphic image request. Information collected for the tracking purpose is anonymous so it will not allow NX FINPLAN to identify you. You would only be identified after logging into the NX FINPLAN secured portal, but your further use of the website or the Website Content would become anonymous again once you logout or close your browser. The above service is provided to NX FINPLAN by Adobe and Google; you may find their privacy information from their websites at Adobe Products and Services Privacy Statement and Google Analytics Privacy Overview respectively.

Most browsers accept cookies automatically but you may configure your browser to accept or reject cookies. Each browser is different, so check the “Help” section of your preferred browser to learn how to change your cookie preferences. However, you may not able to use all features provided in our website if cookies are disabled.



You agree that you shall not, and shall not attempt to:

(i)              do anything that may damage, disable, overburden, or impair the website, any NX FINPLAN server, or any networks connected to the website or any NX FINPLAN server, or that may interfere with anyone’s use and enjoyment of the website, with the Website Content or with any services offered on or through the website;

(ii)            obtain unauthorised access to any part or feature of the website, the Website Content, accounts, products or services offered on or through the website, or to any systems or networks connected to the website or to any NX FINPLAN server, or to any of the services offered on or through the website; 

(iii)           make unauthorised use of any robot, spider, site search/retrieval application, devices, programs, algorithms or methodologies, or any similar or equivalent processes, to access, acquire, copy or monitor any portion of the website or the Website Content, or to retrieve, index, "data mine" or in any way reproduce or circumvent the navigational structure or presentation of the website or the Website Content, or to obtain any materials, documents or information through any means not purposely made available through the website;

(iv)           remove any copyright, trademark or other proprietary rights notices contained on the website or in the Website Content;

(v)             collect information about the website’s visitors or users, including without limitation tracking any information on any other visitor or user of the website, without their express written consent;

(vi)           publish, upload, post, transmit, distribute, disseminate or otherwise use any materials or information that may be inappropriate, profane, defamatory, obscene, indecent or unlawful, that may infringe third party rights, or for which you do not have sufficient permission or the necessary rights to do so;

(vii)          reverse engineer, decompile or disassemble any portion of the website or the Website Content;

(viii)        use the website or the Website Content for any unlawful or unauthorised purposes, or otherwise violate any applicable laws or regulations by using the website or the Website Content;


These Terms will be governed by the laws of Malaysia and the parties agree to submit to the exclusive jurisdiction of the courts of Malaysia .


1. 任何在本网站上出现的信息(包括但不限于评论、预测、图表、指标、理论、直接的或暗示的指示),均只作为参考,您须对您自主决定的行为负责。 


2. 本网站提供的有关银行理财产品等金融产品的评论、投资分析报告、预测文章等信息仅供参考。本网站所提供的银行资料、理财产品信息等,力求但不保证数据的准确性,如有错漏,请以金融机构公布的实际数据为准,本网站概不承担任何责任。

3. Nx FinPlan不对因本网站资料全部或部分内容产生的或因依赖该资料而引致的任何损失承担任何责任,也不对任何因本网站提供的资料不充分、不完整或未能提供特定资料产生的任何损失承担任何责任。

4. 互联网传输可能会受到干扰、中断、延迟或数据错误。本网站如因系统维护或升级而需暂停服务时,将事先公告。若因线路及本网站控制范围之外的硬件故障,导致暂停服务,以及黑客攻击、电信部门技术调整或故障等其它不可抗力等而造成的服务中断或者延迟,本网站概不承担任何法律责任。 

5. 凡通过本网站与其它网站的链接而获得的其它网站提供的网上资料及内容,仅供您浏览和参考之用,本网站不保证该等其它网站信息的准确性、及时性和完整性。请您对相关内容自行辨别及判断,本网站概不承担任何责任。如果您认为该等资料及内容侵害了您的合法权利, 要求本网站断开链接,应参照本声明第二条第2、3款规定的程序进行处理。

6. 除本网站注明之服务条款外,其他一切因使用本网站而引致之任何意外、疏忽、诽谤、版权或知识产权侵害及其所造成的损失(包括因下载而感染电脑病毒),本网站概不承担任何法律责任。

7. 当用户浏览本网站或参与网站各项活动时,为了做好用户服务工作,在用户同意并确认下,本网站可能会通过注册表格等形式要求您提供一些个人信息。以上个人资料在未经用户同意前,本网站不会以任何形式对外披露,但相关政府部门及司法机关依照法定程序要求本网站披露用户个人信息的情形除外。此种情况下的任何披露行为,本网站均应免责。