terms and conditions bancassurance / bancatakaful … · a. the deposit place into the fd/fria-i...
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Page | 1 Bancassurance / Bancatakaful Bundle Campaign 2020_V01
TERMS AND CONDITIONS
BANCASSURANCE / BANCATAKAFUL BUNDLE CAMPAIGN 2020
CAMPAIGN
1. The “Bancassurance/Bancatakaful Bundle Campaign 2020” (“Campaign”) is jointly organized by
CIMB Bank Berhad [Registration No: 197201001799 (13491-P)] (“CIMB Bank”) and CIMB Islamic Bank
Berhad [Registration No: 200401032872 (671380-H)] (“CIMB Islamic”). CIMB Bank and/or CIMB
Islamic shall herein collectively be referred to as (“CIMB”).
CAMPAIGN PERIOD
2. The Campaign shall run from 1 August 2020 to 31 October 2020, both dates inclusive (“Campaign
Period”).
3. CIMB reserves the right to change the duration, commencement and/or expiry dates of the Campaign
Period by giving seven (7) calendar days’ prior notice.
ELIGIBILITY
4. To be eligible to participate in the Campaign, the following criteria must be met:
a. Individuals who are residing in Malaysia, including Malaysian citizens, permanent residents or
non-Malaysia citizens, aged of 18 years and above; and
b. New and existing CIMB customer with any CIMB Bank and CIMB Islamic Bank Current Account/-
i and Savings Account/-i (excluding Junior Savers Account/-i and Youth Savers Account/-i)
(“CASA/CASA-i”).
(hereinafter referred to as “the Eligible Customer(s)”)
5. For the avoidance of doubt and subject to Clause 4, the following persons/entities shall NOT be eligible
to participate in the Campaign:
a. Sole-proprietorships, Partnerships, Charitable/Non-profit Organisations/Societies, Public
Companies, Private Limited Companies, Clubs, Association and Co-operatives.
6. In relation to Joint Participating Accounts, only the first named account holder i.e. the primary account
holder shall be eligible to participate in the Campaign (“Primary Accountholder”). For the purpose of
the Campaign, joint accountholder(s) other than the Primary Accountholder will not be eligible to
participate in the Campaign.
7. Permanent, temporary or contract employees of CIMB are eligible to participate in the Campaign
under CIMB non-salary Current Account/Current Account-i or Savings Account/Savings Account-i.
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CAMPAIGN MECHANICS
8. The Eligible Customer(s) will be rewarded a Bonus Reward in relation to the Participating Products
stated in Table A if the Eligible Customer(s) fulfill the Qualifying Criteria as set out in Table B and
subject to compulsory requirement during the Campaign Period:
Table A:
Participating Products(s)
a. Life Insurance (Sun Life Malaysia Assurance Berhad)
Bancassurance Product(s) Premium Payment Term
Sun Wealth 8 years only
Sun Signature Life 10 years and above
Sun EduSmart 7 years and above
Sun Prestige Health All Payment Term
SunLink Max All Payment Term
Sun Income Secure Max All Payment Term
Sun SaveAssured All Payment Term
Family Takaful (Sun Life Malaysia Takaful Berhad)
Bancatakaful Product(s) Contribution Payment Term
Sun Inspirasi 10 years and above
Sun Ultimate Coverage-i (Regular Contribution) 8 years and above
SunLink Istismar Plus All Payment Term
Takaful Suria Plus All Payment Term
Takaful Mulia All Payment Term
(collectively referred to as “Bancassurance/Bancatakaful Product(s)”)
b. Fixed Deposit eFixed Deposit (collectively referred to as “FD”) Fixed Return Income Account-i Maturity Returns (“FRIA-i”)
(collectively referred to as “Participating Products”)
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Table B:
Bundle Qualifying Criteria Bonus Rate
(p.a.) Bonus Rate
(1Effective Rate) 2Bonus Reward
1
Sign up any of the Bancassurance/Bancatakaful Product(s) in a Yearly Premium/Contribution Payment Frequency; AND Make a deposit placement in a FD/FRIA-i for a tenure of 3 months and/or roll over an existing FD/FRIA-i based on the prevailing 3 months FD/FRIA-i Board Rate on the same month.
5.60% p.a. 1.39% to 1.41% Bonus Reward to be credited to the Eligible Customer’s CASA/CASA-i based on: (i) the differences
between the respective Bundle Bonus Rate (Effective Rate) and the prevailing FD/FRIA-i Board Rate (Effective Rate), and
(ii) whichever lower amount between the First Year Annualised Premium / First Year Annualised Contribution (“FYAP / FYAC”) of the Bancassurance / Bancatakaful Product(s) and the FD/FRIA-i initial placement / roll over amount of one (1) cycle.
2
Sign up any of the Bancassurance/Bancatakaful Product(s) in an Yearly Premium/Contribution Payment Frequency; AND Make a deposit placement in a FD/FRIA-i for a tenure of 6 months and/or roll over an existing FD/FRIA-i based on the prevailing 6 months FD/FRIA-i Board Rate on the same month.
4.20% p.a. 2.08% to 2.11%
3
Sign up any of the Bancassurance/Bancatakaful Product(s) in a Yearly Premium/Contribution Payment Frequency; AND Make a deposit placement in a FD/FRIA-i for a tenure of 12 months and/or roll over an existing FD/FRIA-i based on the prevailing 12 months FD/FRIA-i Board Rate on the same month.
3.30% p.a. 3.30%
1The Effective Rate varies according to the FD/FRIA-i placement month. 2In the event of any revision to the Board Rate during the Campaign Period, the fulfillment of the Bonus
Reward will be based on the initial Board Rate that the deposit was placed or the initial Board Rate that
was applicable at the time of roll over.
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9. In the event of an Overnight Policy Rate (OPR) change, CIMB reserves the right to:
a. Extend, shorten or discontinue the Campaign with immediate effect upon notice by CIMB; or
b. Revise the Bonus Rate with immediate effect upon notice by CIMB.
10. To be entitled to the Bonus Reward set out in Clause 8 (Table B), the following conditions must be
fulfilled by the Eligible Customer(s):
a. The Eligible Customer(s) must sign up for the Bancassurance/Bancatakaful Product(s) and make
a deposit placement in an FD/FRIA-i and/or roll over an existing FD/FRIA-i based on the prevailing
Board Rate on the same month.
b. The policy/certificate owner of the Bancassurance/Bancatakaful Product(s) and the account
holder of the FD/FRIA-i must be the same Eligible Customer(s).
11. In the event the Eligible Customer(s) sign up one (1) Bancassurance/Bancatakaful Product(s) and place
one (1) FD/FRIA-i account on the same month, the Eligible Customer(s)’ Bonus Reward will be
calculated based on whichever lower amount between FYAP/FYAC of the
Bancassurance/Bancatakaful Product(s) and the FD/FRIA-i initial placement/roll over amount of one
(1) cycle.
12. In the event the Eligible Customer(s) sign up one (1) or more Bancassurance/Bancatakaful Product(s)
AND place one (1) or more FD/FRIA-i account on the same month, the Eligible Customer(s) Bonus
Reward will be calculated based on whichever lower amount between the TOTAL FYAP/FYAC of the
Bancassurance/Bancatakaful Product(s) and the TOTAL FD/FRIA-i initial placement / roll over amount
of one (1) cycle subject to the matrix below:
Number of FD/FRIA-i account on the same month
1 2 3 or more
Number of Bancassurance / Bancatakaful Product(s) sign up on the same month
1
1 policy/certificate is selected, and
1 FD/FRIA-i account is selected.
1 policy/certificate is selected, and
1 FD/FRIA-i account is selected based on: - The longest
1tenure of the FD/FRIA-i account, and followed by
- The highest deposit amount.
1 policy/certificate is selected, and
1 FD/FRIA-i account is selected based on: - The longest
1tenure of the FD/FRIA-i account, and followed by
- The highest deposit amount.
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Number of FD/FRIA-i account on the same month
1 2 3 or more
Number of Bancassurance / Bancatakaful
Product(s) sign up on the same month
2
2 policy / certificate are selected, and
1 FD/FRIA-i account is selected.
2 policy / certificate are selected, and
2 FD/FRIA-i account are selected based on: - The longest
1tenure of the FD/FRIA-i account, and followed by
- The highest deposit amount.
2 policy / certificate are selected, and
2 FD/FRIA-i account are selected based on: - The longest
1tenure of the FD/FRIA-i account, and followed by
- The highest deposit amount.
3 or more
3 or more policy / certificate are selected, and
1 FD/FRIA-i account is selected.
3 or more policy / certificate are selected, and
2 FD/FRIA-i account are selected based on: - The longest
1tenure of the FD/FRIA-i account, and followed by
- The highest deposit amount.
3 or more policy / certificate are selected, and
23 or more FD/FRIA-i account are selected based on: - The longest
1tenure of the FD/FRIA-i account, and followed by
- The highest deposit amount.
1If the FD/FRIA-i account are the same tenure, then the selection will be based on the highest deposit amount. 2The number of FD/FRIA-i account selected should not exceed the number of Bancasurance/Bancatakaful policy/certificate sign up on the same month.
13. Examples as per below:
No.
Bancassurance / Bancatakaful Product(s) that are sign up on the
same month
FD/FRIA-i Placement / Roll over on the same month
Bonus Reward will be calculated based on
Number of Policy /
Certificate
Total FYAP / FYAC
Number of
Account
Placement / Roll over Tenure and
Rate
Total Placement / Roll over
Amount
1 1 RM2,400 1 Tenure: three (3) months Rate: Prevailing Board Rate
RM3,000 Bonus Rate: 5.60% p.a. Tenure: three (3) months Amount: RM2,400
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No.
Bancassurance / Bancatakaful Product(s) that are sign up on the
same month
FD/FRIA-i Placement / Roll over on the same month
Bonus Reward will be calculated based on
Number of Policy /
Certificate
Total FYAP / FYAC
Number of
Account
Placement / Roll over Tenure and
Rate
Total Placement / Roll over
Amount
2 1 RM2,400 1 Tenure: three (3) months Rate: Prevailing Board Rate
RM2,000 Bonus Rate: 5.60% p.a. Tenure: three (3) months Amount: RM2,000
3 1 RM2,400 1 Tenure: three (3) months Rate: Non-Prevailing Board Rate
RM3,000 Not Eligible due to the Rate used for placement / roll over is not the prevailing board rate
4 1 RM5,000 2 Account 1 Tenure: three (3) months Rate: Prevailing Board Rate Account 2 Tenure: six (6) months Rate: Prevailing Board Rate
Account 1 RM5,000 Account 2 RM5,000
Bonus Rate: 4.20% p.a. Tenure: six (6) months Amount: RM5,000
5 1 RM5,000 2 Account 1 Tenure: three (3) months Rate: Prevailing Board Rate Account 2 Tenure: six (6) months Rate: Prevailing Board Rate
Account 1 RM5,000 Account 2 RM4,000
Bonus Rate: 4.20% p.a. Tenure: six (6) months Amount: RM4,000
6 2 RM10,000 2 Account 1 Tenure: six (6) months Rate: Prevailing Board Rate Account 2 Tenure: six (6) months Rate: Prevailing Board Rate
Account 1 RM5,000 Account 2 RM4,000
Bonus Rate: 4.20% p.a. Tenure: six (6) months Amount: RM9,000
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No.
Bancassurance / Bancatakaful Product(s) that are sign up on the
same month
FD/FRIA-i Placement / Roll over on the same month
Bonus Reward will be calculated based on
Number of Policy /
Certificate
Total FYAP / FYAC
Number of
Account
Placement / Roll over Tenure and
Rate
Total Placement / Roll over
Amount
7 2 RM10,000 2 Account 1 Tenure: twelve (12) months Rate: Prevailing Board Rate Account 2 Tenure: twelve (12) months Rate: Prevailing Board Rate
Account 1 RM10,000 Account 2 RM10,000
Bonus Rate: 3.30% p.a. Tenure: twelve (12) months Amount: RM10,000
8 2 RM50,000 3 Account 1 Tenure: twelve (12) months Rate: Non-Prevailing Board Rate Account 2 Tenure: six (6) months Rate: Prevailing Board Rate Account 3 Tenure: six(6) months Rate: Prevailing Board Rate
Account 1 RM40,000 Account 2 RM15,000 Account 3 RM15,000
Bonus Rate: 4.20% p.a. Tenure: six (6) months Amount: RM30,000 [Note: Account 1 is not selected due to the placement / roll over rate is not the prevailing board rate]
9 2 RM20,000 1
Tenure: twelve (12) months Rate: Prevailing Board Rate
RM40,000
Bonus Rate: 3.30% p.a. Tenure: twelve (12) months Amount: RM20,000
10 3 RM70,000 1
Tenure: twelve (12) months Rate: Prevailing Board Rate
RM50,000
Bonus Rate: 3.30% p.a. Tenure: twelve (12) months Amount: RM50,000
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14. Details on Participating Product(s)
a. Bancassurance/Bancatakaful Product(s)
i. Bancassurance/Bancatakaful Product(s) refer to all Bancassurance/Bancatakaful Product(s)
stipulated in Clause 8 (Table A (Column a)) and is subject to change from time to time,
including all new Bancassurance/Bancatakaful Product(s) launched during Campaign Period
by CIMB.
ii. The Eligible Customer(s) is required to sign all relevant standard documents and comply with
all terms and conditions in respect of his/her Bancassurance/Bancatakaful Product(s)
application, which is separate from this Campaign terms and conditions.
iii. For the Bancassurance/Bancatakaful Products with top up option, regular top up or single
top up will be NOT be recognised as part of the plan’s FYAP/FYAC.
iv. To be entitled to the Bonus Reward set out in Clause 8 (Table B), the following conditions
must be fulfilled by the Eligible Customer(s):
a. The Eligible Customer(s) is only entitled to receive the Bonus Reward if the Eligible
Customer(s) application for the Bancassurance/Bancatakaful Product(s) is signed
within the Campaign Period and the policy/certificate of the
Bancassurance/Bancatakaful Product(s) is issued by Sun Life Malaysia Assurance
Berhad/Sun Life Malaysia Takaful Berhad latest by 15 November 2020.
b. The Bancassurance/Bancatakaful Product(s) must be inforce at the point of the
fulfillment of the Bonus Reward.
c. The Eligible Customer(s) must be the policy/certificate owner of the
Bancassurance/Bancatakaful Product(s).
d. In the event the Eligible Customer(s) withdraws or cancels the
Bancassurance/Bancatakaful Product(s) during the application, processing stage or
any other stages on or before the Free-Look Period, or should the
proposal/application of the Bancassurance/Bancatakaful Product(s) be
unsuccessful due to the underwriting issues, the Eligible Customer(s) shall not be
entitled to the Bonus Reward.
e. The “Free-Look Period” is defined as a period where the policy/certificate owner is
given a time period of fifteen (15) days from the policy/certificate delivery date to
review the suitability of the newly participated plan. If the policy/certificate is
surrendered within the period, the full premium/contribution less the medical
expenses incurred, if any, will be refunded to the policy/certificate owner.
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v. Eligible Customer(s) will still be entitled to/eligible to participate in the other CIMB
Bancassurance/Bancatakaful’s customer campaigns that are being offered concurrently
unless it is being specify otherwise.
vi. CIMB will not be responsible for late, lost, incomplete, incorrectly submitted, delayed,
illegible, corrupted or misdirected application of the Bancassurance/Bancatakaful
Product(s) or related correspondence whether due to error, omission, alteration,
tampering, deletion, theft, destruction or otherwise unless the same is caused directly by
CIMB’s gross negligence or willful default.
vii. CIMB is only a distributor of the Bancassurance/Bancatakaful Product(s) underwritten by
Sun Life Malaysia Assurance Berhad [Registration No: 199001005930 (197499-U)], an
insurer registered with Bank Negara Malaysia under the Financial Services Act 2013
(“Insurer”) and/or managed by Sun Life Malaysia Takaful Berhad [Registration No:
200501012215 (689263-M)], a takaful operator registered with Bank Negara Malaysia under
Islamic Financial Services Act 2013 (“Takaful Operator”).
viii. The Bancassurance/Bancatakaful Product(s) are not CIMB’s products and therefore:
a. not an obligation of and not guaranteed by CIMB and/or any of its subsidiaries and
affiliates;
b. CIMB shall not be responsible or be held liable for any matter or claims arising from
the Bancassurance/Bancatakaful Products(s) provided by the Insurer and/or the
Takaful Operator; and
c. The Insurer and/or the Takaful Operator being the licensed insurer/takaful operator
and underwriter/manager of the Bancassurance/Bancatakaful Product(s) shall fully
undertake the insurance/takaful obligations.
b. FD/FRIA-i
i. The FD/FRIA-i stipulated in Clause 8 (Table A (Column b)) and CASA/CASA-i are eligible for
protection by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each
depositor.
ii. The minimum deposit placement for the three (3) months, six (6) months and twelve (12)
months FD/FRIA-i is RM1,000.
iii. The Campaign cannot be used in conjunction with other offers, promotions, and/or
privileges unless stated otherwise.
iv. In the event the Eligible Customer(s) is a permanent, temporary or contract employees of
CIMB that participate in the Campaign with the staff FD/FRIA-i rate, the Bonus Reward will
be based on the differences between the respective Bundle Bonus Rate (Effective Rate) and
Page | 10 Bancassurance / Bancatakaful Bundle Campaign 2020_V01
the prevailing FD/FRIA-i Board Rate (Effective Rate) instead of the staff FD/FRIA-i Rate. This
is also applicable for joint account with staff FD/FRIA-i rate.
v. To be entitled to the Bonus Reward set out in Clause 8 (Table B), the following conditions
must be fulfilled by the Eligible Customer(s):
a. The deposit place into the FD/FRIA-i can be existing or fresh funds.
b. The Eligible Customer(s) must be the account holder of the FD/FRIA-i.
c. The placement of the deposit in the FD/FRIA-i or the rollover of the existing
FD/FRIA-i must be based on the prevailing three (3) months, six (6) months or
twelve (12) months FD/FRIA-i Board Rate.
d. Early and/or Partial Withdrawal of FD/FRIA-i: In the event that the Eligible
Customer(s) partially withdraws or uplifts the FD/FRIA-i before the completion of
the FD/FRIA-i’s three (3) months, six (6) months or twelve (12) months tenure (as
the case may be), the Eligible Customer(s) shall not be entitled to the Bonus
Reward.
BONUS REWARD FULFILLMENT
15. The Bonus Reward will be fulfilled to the Eligible Customer(s) who is the policy/certificate owner of
the Bancassurance/Bancatakaful Product(s) and the account holder of the FD/FRIA-i.
16. The Bonus Reward will be fulfilled to the Eligible Customer(s) active and highest balance CASA/CASA-
i. Active CASA/CASA-i here refers to CASA/CASA-i status that are not dormant / not close.
17. In the event of the Eligible Customer(s)’ CASA/CASA-i status is inactive during the fulfillment of the
Bonus Reward, the Bonus Reward will be forfeited and not be refunded to the Eligible Customer(s).
18. Fulfillment of the Bonus Reward is as per below schedule:
Bancassurance / Bancatakaful Product(s)
sign-up period AND
FD/FRIA-i placement period
FD/FRIA-i maturity period
FD/FRIA-i tenure
Fulfillment Schedule
1 August 2020 – 31 August 2020
1 November 2020 – 30 November 2020
3 months Within 60 working days from 30 November 2020
1 February 2021 – 28 February 2021
6 months Within 60 working days from 28 February 2021
1 August 2021 – 31 August 2021
12 months Within 60 working days
from 31 August 2021
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Bancassurance / Bancatakaful Product(s)
sign-up period AND
FD/FRIA-i placement period
FD/FRIA-i maturity period
FD/FRIA-i tenure
Fulfillment Schedule
1 September 2020 – 30 September 2020
1 December 2020 – 31 December 2020
3 months Within 60 working days from 31 December 2020
1 March 2021 – 31 March 2021
6 months Within 60 working days
from 31 March 2021
1 September 2021 – 30 September 2021
12 months Within 60 working days
from 30 September 2021
1 October 2020 – 31 October 2020
1 January 2021 – 31 January 2021
3 months Within 60 working days from 31 January 2021
1 April 2021 – 30 April 2021
6 months Within 60 working days
from 30 April 2021
1 October 2021 – 31 October 2021
12 months Within 60 working days from 31 October 2021
GENERAL TERMS & CONDITIONS
19. The Eligible Customer(s) agree that by participating in the Campaign, they:
a. have assessed, read and confirm their agreement to these Terms and Conditions;
b. consent to CIMB processing and disclosing their personal data in accordance with the CIMB
Group Privacy Notice at www.cimbbank.com.my;
c. agree that all decisions fairly and reasonably made by CIMB in relation to every aspect of this
Campaign, including the Bonus Reward to be given away and determination of the Eligible
Customer(s), shall be final, binding and conclusive; and
d. agree that CIMB shall not be liable or held responsible to the Eligible Customer(s) if CIMB is
unable to perform in whole or in part of any of its obligations in these Terms and Conditions
attributable directly or indirectly to:
i. the failure of any mechanical or electronic device, data processing system or transmission
line;
ii. electrical failure;
iii. industrial dispute, war, strike or riot;
iv. any act of God beyond CIMB’s control; or
v. any factor in a nature of a force majeure which is beyond CIMB’s reasonable control.
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20. The Eligible Customer(s) will be disqualified from participating in the Campaign and/or the Bonus
Reward will be forfeited if, during the Campaign Period and/or before the crediting of the Bonus
Reward:
a. The Eligible Customer(s) are in breach of the terms and conditions governing the Participating
Product(s);
b. The Participating Product(s) is terminated or closed or be made subject to any attachment,
adverse orders made by the Court or any authorities sanctioned by laws; or
c. The Participating Product(s) is delinquent, invalid or cancelled by the Eligible Customer(s) or
CIMB.
21. CIMB shall have the right to disqualify any Eligible Customer(s) that it determines to be:
a. tampering with the application process; and/or
b. acting in breach of these Terms and Conditions.
22. CIMB shall have the right to:
a. substitute the Bonus Reward with other item(s) of similar cost; and/or
b. extend, shorten, discontinue, cancel, terminate or suspend the Campaign.
by giving seven (7) calendar days’ prior notice to the Eligible Customer(s) via:
i. announcement at CIMB’s website; and/or
ii. notice at CIMB’s branches; and/or
iii. by any other means of notifications which CIMB may select.
For avoidance of doubt, CIMB shall not be liable to the Eligible Customer(s) for any losses, damages,
costs or expenses as may be suffered or incurred by the Eligible Customer(s) as a direct or indirect
result of any Bonus Reward substitution and/or any cancellation, suspension, shortening or extension
of the Campaign.
23. CIMB shall not be liable to any Eligible Customer(s) or any party for any loss or damage (including but
not limited to, loss of income, profits or goodwill, direct or indirect, incidental, consequential,
exemplary, punitive, or special damages) resulting from:
a. The Eligible Customer(s)’ participation in the Campaign; and/or
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b. Any non-receipt or delayed receipt by the Eligible Customer(s) of the Short Message Service
(“SMS”)
unless such loss or damage arises from and is caused directly by CIMB’s gross negligence or willful
default.
24. CIMB shall have the right to vary, add, delete, or amend any of these Terms and Conditions
(“Amendment”) by giving twenty-one (21) calendar days’ prior notice to the Eligible Customer(s) via:
i. announcement at CIMB’s website; and/or
ii. notice at CIMB’s branches; and/or
iii. advertisement in one newspaper of CIMB’s choice; and/or
iv. by any other means of notification which CIMB may select.
The Amendment shall be considered as binding on the Eligible Customer(s) from the date as specified
by CIMB in the notification.
Eligible Customer(s) agree to access CIMB’s website at regular intervals to view the terms and
conditions of the Campaign and to ensure that they are kept up-to date with any variations to these
Terms and Conditions.
25. CIMB will not be liable to the Eligible Customer(s) for any loss or damage suffered or incurred by the
Eligible Customer(s) as a direct or an indirect results of the Amendment.
26. The Eligible Customer(s) shall full indemnify and keep CIMB indemnified against any fee, cost, charge,
expense, loss, damage or liability which CIMB may incur as a result of:
a. the Eligible Customer(s)’ participation in the Campaign; and/or
b. the Eligible Customer(s)’ use of the Bonus Reward.
27. These Terms and Conditions:
a. shall prevail over any provisions or representations contained in any other materials advertising
the Campaign; and
b. are to be read together with the prevailing terms and conditions of the Participating Product(s)
which shall apply in addition to these Terms and Conditions.
28. These Terms and Conditions shall be subject to any prevailing laws, regulations and guidelines,
directives, notices issued by Bank Negara Malaysia or any other body having supervisory authority
over CIMB from time to time.
29. Eligible Customer(s) shall direct any query, feedback, concern, issue or complaint pertaining to the
FRIA-i to CIMB Islamic.
30. CIMB Islamic as the provider of the FRIA-i shall attend to any matter relating to the FRIA-i.
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31. Eligible Customer(s) shall direct any query, feedback, concern, issue or complaint pertaining to the
purchase of the Bancassurance/Bancatakaful Product(s) to Sun Life Malaysia Assurance Berhad/Sun
Life Malaysia Takaful Berhad for resolution.
32. Sun Life Malaysia Assurance Berhad/Sun Life Malaysia Takaful Berhad as the respective provider of
the Bancassurance/Bancatakaful Product(s) shall attend to any matter relating to the
Bancassurance/Bancatakaful Product(s).
33. Eligible Customer(s) may contact CIMB’s Customer Resolution Unit (“CRU”) for any feedback and/or
complaint in relation to this Campaign via letter, phone call, fax and email:
Address: P.O. Box 10338, GPO Kuala Lumpur, 50710 Wilayah Persekutuan
Telephone No: 603 6204 7788
Email: [email protected]
CIMB may change the above contact details by notifying the Eligible Customer(s) by way of
announcement at CIMB’s website or by any other means of notification which CIMB may select.