Last updated August 2020



The information provided by Genexus Advisory Sdn Bhd (“we,” “us” or “our”) and the CMSRL holder presented to you (the “Presenter”) in this report (the “Report”) is for general informational purposes only. All information in the Report and provided by the Presenter is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information in the Report, which the user data is provided by the client (“you” or “your”) and generated based on your data.


Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Report or advices from the Presenter or reliance on any information provided in this Report or by the Presenter. Your use of the Report, advices from the Presenter and your reliance on any information in this Report and the Presenter are solely at your own risk.




The Report may contain advices to any financial products from third parties or links to affiliates which are suitable for you. Such external sources are not monitored, or checked for accuracy, adequacy, validity, reliability, availability or completeness by us.


We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party individuals or corporates who are said to be qualified to advice you on any products other than the Presenter. We will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers or the Presenter of products or services.




The Report can contain financial advices, regardless of whether it is a financial product or pure advice on finance. The financial information is provided for general informational, advices for you and educational purposes only.


Accordingly, before taking any actions based upon such information, we encourage you to consult with the Presenter. We do not provide any kind of advice other than financial advice which includes the service we can provide. The use or reliance of any information contained on this Report and the Presenter is solely at your own risk.




The Report may contain referral to certain financial products held by us, and we receive an affiliate commission for any purchases made by you with the affiliates’ financial products advised by the Presenter. Our affiliates include:

  • All life insurance, family takaful, general insurance, general takaful, investment and other financial products companies held by our company and the Presenter;
  • Gen X Lifestyle Sdn Bhd


Your personal information and data will never achieve to any of our affiliates unless you have decided to subscribe to their financial services.




The Report relies solely on information provided by you through the Presenter, regardless of physical appointment or virtual appointment. You are advised to disclose all information adequately, truthfully, reliably and complete to the Presenter. This is to produce a relevant and high-accuracy Report to you. We are not responsible for any faulty information given by you during and after the engagement period to the Presenter. You should check the information discussed in the report when the Presenter discusses the information in the report with you and reject the report if there is any typographical error.


Should the information found to be inaccurate by you after the report presentation and the record we received initially is different from the information presented by the Presenter to us after presentation by the Presenter, you have to bear the cost of reproducing the Report and the Presenter’s presentation fee.




All Presenters are representatives of us and are qualified to give financial advices. The Presenters have express and implied authority when the Presenters are presenting. At the same time, you can exercise the same authorities towards the Presenter by writing with your signatory.


All Presenters will only act in conjunction of Capital Market Service Representative License (CMSRL) Code of Conduct. The Presenters have the right to refuse to act representing you and the Presenters have no right to act representing you on any acts which are not mentioned nor legitimate in the CMSRL Code of Conduct. View the code of conduct at


The Presenter is the only legitimate personnel dealing with you. You may request for CMSRL code from the Presenter before contacting with the Presenter. You may also check the validity and legitimacy of CMSRL code by checking at from the Securities Commission of Malaysia.


We are not responsible for any disclosed information to any illegitimate parties, whether it is recognised by us or not. You may lodge a report to us with complete information should you find any illegitimate party who claims to represent us.




We and the Presenter may keep all information that you have provided to the Presenter in our safe for record-keeping and compliance purpose. The information will have to be disclosed to the regulators only should the below events happen.

  • Regular audit by the regulator
  • Special audit by the regulator
  • Dispute filed by our Compliance Department
  • Complaint filed by you to our Compliance Department and / or Financial Planning and Academic Department (FPAD)


Should any party found to be misconduct, we will take relevant action(s) and these actions will be filed in the regulator’s report. This includes

  • Failed complaints filed by you
  • Additional fees incurred by you
  • Disciplinary actions taken to the Presenter
  • Disciplinary actions taken to our Departments
  • All court orders received on your case


We will not be responsible on any cost arising on filing dispute to the regulator(s) and / or jurisdiction(s) unless it is ordered by the Court. We encourage any dispute made through the Presenter or our Departments introduced.





The Presenter is responsible on all engagements to you. We will not be responsible on any postponement, cancellation or extensions of engagements made by both you and the Presenter. You should arrange all engagements with the Presenter.


A usual engagement period for the Report generation is one (1) month. The one-month period is inclusive of

  • collection of data from you
  • completion of data calculation and report generation
  • presentation to you by the Presenter
  • execution of financial plan by you and the Presenter

You may arrange for extension of engagement period. However, we will not be responsible for any additional cost incurred by you due to the extension.


You should never engage with anyone who claims to be the Presenter other than the Presenter you have initially signed the letter of engagement with. Legal actions will be taken against any party who violates the Capital Market and Service Act 2000 and Financial Services Act 2013.




Your personal information and data will not be disclosed to anyone, whether if they are related to you by us. We take all of your data at the highest security standard and we will only disclose your personal information and data for legal and audit purpose.


This Report is a strictly-confidential report to you. You have to take extra care on storage for this Report. The delivery of this Report is only legible with the presentation by the Presenter who you have signed the letter of engagement with.


We will not be responsible on the loss or stolen Reports, inclusive of any information presented in the Report once the Report had been recorded to be taken by the Presenter.


The Presenter has to be responsible on the Report if the Presenter

  • lost the report during transit by any means
  • does not present the Report to you
  • misplaces the Report
  • involves in a robbery and the Report has been reported lost
  • destroy the Report regardless of it is intentional or not


You are responsible on the Report loss if you

  • fail to keep the Report in the safe place by any means
  • misplace the Report after the Presenter has presented to you
  • involve in a robbery and the Report has been reported lost
  • show the Report to any unintentional parties
  • destroy the Report regardless of it is intentional or not


A cost of reprint of Report is imposed for any negligence by any party. You should lodge a police report should any event of loss or stolen Report occurs. We will process your reprint of Report request once we have received the copy of police report and Fifty Malaysian Ringgit (RM50), exclusive of any consumption tax implemented at the time being, for reprint of Report from the responsible party. The reprint of Report should not contribute to any tax reliefs from any government taxation departments or agencies.