Terms & Conditions

Welcome to www.pennyessentials.com!
This website and all web pages within this website (collectively, the “Website”) are furnished by Penny Essentials Sdn. Bhd. (hereinafter “Penny Essentials”).
The use of the Website is subject to the following terms and conditions.

This is an Agreement between you and/or all relevant persons that you purport to represent and for the purpose of this Agreement “person” includes natural person and any type of incorporated or unincorporated entity and Penny Essentials regarding your access to and use of Penny Essentials’ website and all content, information, products and services available on or through the Website.


Each time you use the Website you signify your acceptance and agreement and/or acceptance and agreement of any person that you purport to represent, to be bound by this Agreement as it then reads, and you represent and warrant that you have the legal authority to agree and to accept this Agreement on behalf of yourself and/or any person you purport to represent. If you do not agree with any provision of this Agreement, or you are not authorised to agree to accept this Agreement on behalf of a person you purport to represent, we request that you and/or any person you purport to represent do not access or use the website. This website is for convenience and informational purpose only and is not intended to convey advice and recommendation of any products or services.


The Website (including all content, page headers, custom graphic, button icons, and scripts and the presentation, arrangement, coordination, enhancement and selection of such and other information in text, graphical, video, and audio forms, images, icons, software design, applications, data and other elements available on or through the Website) is the property of Penny Essentials (unless otherwise indicated) and are protected by Intellectual Property laws in Malaysia. Your use of the Website does not transfer to you any ownership or rights in the Website or its content. The Website is made available to you for your lawful, personal use only. You may use the Website only in the manner described expressly in the Agreement and subject to all applicable laws. Using the Website for any other purposes or in any other manner is strictly prohibited.


Subject to any License Agreement between You and Penny Essentials, without Penny Essentials’ prior express written consent,

  1. You shall not reproduce, distribute, modify, display, prepare derivative works based on, repost or otherwise use any of the content of this Website.
  2. You shall not use this Website or any content of this Website for any unlawful purpose.
  3. You shall not disrupt, alter, impair or modify the Website or anything contained on this Website or accesses any private information, including passwords or account information of other users of this Website.
  4. This Website may contain links to web sites operated by third parties. These links are provided for your convenience only. You agree that such third parties are responsible for the operation and contents of their web sites and Penny Essentials has no liability to you or to any other person for the use of such web sites.


  1. All information that you provide through the Website, including registration, information (name and e-mail address), payment information (credit card numbers and expiration dates), and transaction related information must be true, accurate, current and complete. Penny Essentials will rely on the information that you provide. By providing such information and data about yourself (“Personal Data”), you hereby consent to the processing of your Personal Data as set out in Penny Essentials’ Privacy Policy. To view Penny Essentials’ Privacy Policy, click here. You will be solely responsible and liable for any and all lost, damage and additional cost that you, Penny Essentials or any other person may incur as a result of your submissions of any false, incorrect or incomplete information.
  2. You shall not, and shall not attempt to decompile, reverse-engineer, translate, convert, adapt, alter, modify, enhance, add to, delete or in any way tamper with, or gain access to, any part of the Website or any Internet Site or any software comprised in them.
  3. You agree to comply with the Terms and Conditions and any security procedures mentioned in them.


  1. The text, images and other materials contained or displayed on any Penny Essentials publication, product, service, report, e-mail or web site are proprietary to Penny Essentials, except where otherwise indicated, and constitute valuable intellectual property.
  2. No material from any part of any Penny Essentials publication, product, service, report, e-mail or web site may be downloaded, transmitted, broadcast, transferred, assigned, reproduced or in any other way used or otherwise disseminated in any form to any person or entity, without the explicit written consent of Penny Essentials.
  3. All unauthorised reproduction or other use of material from Penny Essentials shall be deemed willful infringement(s) of Penny Essentials’ copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy.
  4. Penny Essentials expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised.
  5. Penny Essentials reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violations of its rights.
  6. Links to the Website without written permission of Penny Essentials is strictly prohibited. To request permission to link to the Website, please make a formal request to Penny Essentials by email. Penny Essentials may in its discretion cancel and revoke any permission it may give it to link to the Website at any time without any notice and liability.
  7. The framing, mirroring, scraping or data-mining of the Website or any of its contents in any form and by any means is strictly prohibited. You may not use any collaborative browsing or display technologies in connection with your use of the Website or to post such postings may be viewed by other users of the Website.


While Penny Essentials shall use reasonable efforts to provide up-to-date and accurate information, Penny Essentials makes no warranties or representations as to the accuracy of the information and assumes no liability or responsibility for any errors or omissions in the information provided on the Website. Your access to and use of the Website is at your own risk.

All Information available through the Website is provided on an “AS IS” basis. Penny Essentials makes no warranty that this Website will meet your requirements, be uninterrupted, secure or error free, or that www.pennyessentials.com or the server that makes it available are free of viruses or other harmful components or destructive files. The content of the Website is subject to change without notice.

 The Website may contain facts, views, opinions, statements and recommendations of third-party individuals, entities or organisations. Penny Essentials does not represent, warrant or endorse the accuracy, timeliness or reliability of any advice, opinion, statement or other information displayed, uploaded or distributed through the Website. You shall acknowledge and agree that any reliance upon such opinion, advice, statement or information is at your sole risk.

To the maximum extent permitted by law, Penny Essentials disclaims any and all warranties, whether express or implied, regarding any information provided through or in connection with the Website, including without limitation, warranties of merchantability and fitness for a particular purpose, and warranties as to the accuracy, completeness or content of any information available on or through the Website. Penny Essentials assumes no responsibility, and is not liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of or browsing in this website, or your downloading of any materials, data, text or images from the Website.

 Penny Essentials and its providers will never be liable to you or any other person for any indirect, incidental, consequential, special, punitive or exemplary loss of damage arising from, connected with, or relating to the Website or thus agreement including but not limited to loss of data, business, markets, savings, income, profit, use, production, reputation or goodwill, anticipated or otherwise or economic loss under any theory of liability (whether in contract, tort, strict liability or any other theory or law or equity), regardless of any negligence or other fault or wrong doing (including without limitation gross negligence and fundamental breach by Penny Essentials or any person whom Penny Essentials is responsible, and even if Penny Essentials has been advised of the possibility of such loss and damage being incurred.

In no event shall Penny Essentials, its affiliates, employees, or representatives be liable for any indirect, consequential, special, incidental or punitive damages (including, without limitation, errors or omissions in the information in connection with the Website).


You agree to indemnify, defend and hold harmless Penny Essentials, its officers, directors, employees, affiliates and representatives from and against any and all liabilities, expense, and costs including without limitation reasonable legal fees and expenses incurred by Penny Essentials in connection with and claim or demand arising out of the Website and your breach of this Agreement. You will assist and cooperate as fully as reasonably required by Penny Essentials in the defense or any such claim or demand.


Penny Essentials may in its sole absolute discretion change this Agreement from time to time as it relates to future use of the Website, by posting a revised agreement on the Website. By using the Website after this revised Agreement has been posted, you signify your acceptance and agreement to be bound by the revised agreement. You may not change this Agreement in any manner.


Notwithstanding any other provision of this Agreement, Penny Essentials may in its discretion change, discontinue, modify, restrict, suspend or terminate the Website or any part of it without notice or liability to you or any other person. Penny Essentials may in its discretion and for its convenience at any time immediately terminate, temporarily or permanently, this Agreement or your permission to access and use the Website without any notice or liability to you or any other person.

All information contained herein is subject to change without prior notice. Please read and understand the above TERMS & CONDITIONS before using the service rendered by this website.