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Disclaimer:

1. Investing through an ECF platform is a civil agreement and decision between the investor and the issuer. Therefore, all risks associated with the investment are fully borne by both parties.
2. Liquidation risk is borne by investors. There is no institution nor government authority responsible for such risks.
3. The Platform with user consent (Lender and / or Borrower) has access, obtain, archive, manage and / or use the User's personal data (‘Data Utilization’) on or inside objects, electronic devices (including smartphones or phones cellular, hardware, software, electronic documents, apps software or electronic system own and controlled y User, with the purpose of notification, limitations and mechanisms of the use of such Data to the user concerned before obtaining such consent.)
4. Issuers must consider their dividend policies and other fees according to its capacity.
5. Any fraudulent activity are recorded digitally and can be known to the public through social media.
6. It is required for users to carefully read and fully comprehend the information above before deciding to become an investor or an issuer.
7. The Government in this case are the Securities Commission Malaysia (SC), shall not be responsible for any breach or non-compliance by the User, either the Investor or the Issuer (either due to User deliberate or negligence) to the provisions of the laws and regulations or agreements between the Operator and the Investor and / or Issuer.
8. Crowdo Malaysia Sdn Bhd is a legal entity established under the Law of Malaysia. Standing as a company that has been regulated by the User, either the Investor or the Issuer (either due to User deliberate or negligence) to the provisions of the laws and regulations or agreements between the Operator and the Investor and / or Issuer.
9. The contents and materials available on the CROWDO website are intended to be of informative nature only and they are not considered to be an offer, a request, an invitation, a suggestion, or a recommendation to invest in securities, capital market products, or other financial services.
10. Funds placed in a CROWDO account are not and will not be considered as a deposit held by the company. The company or any Director, Employee, Employee, Representative, Affiliate, or Agent does not have any responsibility related to any problems that occur or are considered to occur due to the completeness or correctness of the material listed on the Company’s website.