Terms & Conditions

1. Definitions

In these Terms and Conditions, the following expressions have the meanings set out below:

• "Firm", "we", "us", "our" — Mutiara Legal, a law firm registered as Advocates and Solicitors in the High Court of Malaya.
• "Website" — The website accessible at mutiaral.info.
• "User", "you", "your" — Any individual or entity accessing or using the Website.
• "Services" — Legal services provided by the Firm, including loan documentation, Islamic finance structuring, and regulatory compliance advisory.
• "Engagement" — A specific legal instruction accepted by the Firm pursuant to a written scope of work and fee agreement.
• "Content" — All text, information, materials, and other content published on the Website.

2. Acceptance of Terms

By accessing or using the Website, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, you should not use the Website.

Use of the Website is limited to individuals who are at least 18 years of age and have the legal capacity to enter into a binding agreement. By using the Website, you represent that you meet these requirements.

3. Nature of Website Content

The content published on this Website is provided for general information purposes only. It does not constitute legal advice and should not be relied upon as such. The information presented reflects the law as it stands at the date of publication and may not be current at the time of reading.

Nothing on this Website creates a solicitor-client relationship between you and the Firm. A solicitor-client relationship is only formed when the Firm has accepted an instruction in writing and issued a formal scope of work and fee agreement.

4. Legal Services

Legal services provided by Mutiara Legal are subject to:

• A written scope of work agreed prior to commencement
• Applicable professional conduct rules under the Legal Profession Act 1976 and the Malaysian Bar's Rules
• A conflict of interest check conducted at the outset of each engagement
• Applicable anti-money laundering obligations under the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001

The Firm reserves the right to decline any instruction at its discretion, including where a conflict of interest is identified, where the instruction falls outside the Firm's areas of practice, or where there is insufficient information to assess the matter.

5. User Responsibilities

When using this Website, you agree to:

• Use it only for lawful purposes and in a manner consistent with these Terms
• Provide accurate and complete information when submitting enquiries
• Not attempt to gain unauthorised access to any part of the Website or its underlying systems
• Not use the Website to transmit any material that is unlawful, defamatory, or harmful
• Not reproduce, distribute, or commercially exploit any Content without written permission from the Firm

6. Intellectual Property

All content on this Website, including text, design elements, and the Mutiara Legal name and logo, is the intellectual property of Mutiara Legal or used with permission. Nothing on this Website transfers any intellectual property rights to you.

You may view and print pages from the Website for personal, non-commercial reference purposes. Any other use requires the Firm's prior written consent.

7. Fees and Payment

Fees for legal services are set out in the engagement scope of work agreed at the commencement of each matter. The fees indicated on this Website (where shown) represent starting figures and may vary depending on the complexity, scope, and duration of the engagement.

Unless otherwise agreed in writing:

• Fees are quoted in Malaysian Ringgit (MYR)
• Payment terms and methods will be stated in the engagement letter
• The Firm may require a deposit or retainer prior to commencing work
• Disbursements (third-party costs) are charged at cost in addition to professional fees

Refund or termination arrangements, if applicable, will be addressed in the individual engagement agreement.

8. Disclaimers

The Website and its content are provided on an "as is" basis. To the extent permitted by law, the Firm makes no warranties or representations, express or implied, regarding:

• The accuracy, completeness, or currency of any information on the Website
• The suitability of the Website for any particular purpose
• The uninterrupted or error-free operation of the Website

The Firm does not warrant or represent that any legal outcome will result from the provision of its services. Legal advice reflects professional judgment applied to the facts of a matter and cannot carry assurances as to outcome.

9. Limitation of Liability

To the extent permitted under Malaysian law, the Firm's liability for any loss or damage arising out of your use of the Website or reliance on its content is excluded.

The Firm's liability in connection with a legal services engagement, where liability arises, shall be limited to the amount of fees paid by the client in connection with the specific matter giving rise to the claim, unless a different limit is agreed in writing in the engagement documentation.

Nothing in these Terms limits liability for fraud, wilful misconduct, or death or personal injury caused by negligence.

10. Indemnification

You agree to indemnify and hold the Firm harmless from any claims, losses, or costs (including legal costs) arising from your use of the Website in breach of these Terms, or from any inaccurate or misleading information you provide in connection with an enquiry or engagement.

11. Termination of Engagement

Either party may terminate a legal services engagement in accordance with the terms set out in the engagement letter. Upon termination:

• The client remains responsible for fees incurred up to the date of termination
• The Firm will provide the client with a reasonable opportunity to transfer the matter to alternative representation
• The Firm's professional obligations of confidentiality continue after termination

The Firm reserves the right to cease acting for a client in circumstances permitted under the Bar Council's Rules on Professional Conduct.

12. Governing Law and Dispute Resolution

These Terms and Conditions, and any dispute arising from them or from your use of the Website, are governed by and construed in accordance with the Laws of Malaysia.

Disputes arising in connection with these Terms or with an engagement shall first be referred to informal resolution between the parties. If informal resolution does not succeed within 30 days, the matter may be referred to the courts of Malaysia, or, where agreed in writing between the parties, to the Asian International Arbitration Centre (AIAC) for arbitration in accordance with its rules.

13. General Provisions

• Entire Agreement: These Terms, together with any engagement letter, constitute the entire agreement between you and the Firm in relation to the matters covered.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any provision of these Terms does not constitute a waiver of the right to enforce it in future.
• Assignment: You may not assign any rights or obligations under these Terms without the Firm's written consent.

14. Changes to These Terms

We may revise these Terms from time to time. Any changes will be reflected by an updated "Last Updated" date. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms. We recommend checking this page periodically.

15. Contact

For questions or concerns relating to these Terms, please contact:

• Mutiara Legal
• Level 15, Menara AmBank, Jalan Yap Kwan Seng, 50450 Kuala Lumpur, Malaysia
• Email: [email protected]
• Telephone: +60 3-2178 5962