Terms and Conditions of Use

 

These Terms were last updated on 10 November 2025. 

 

Thank you for visiting the Brunei Darussalam Islamic Finance (BDIF) website www.bdif.com.bn (“Website”). These Terms and Conditions of Use (“Terms”) govern your access to and use of this website. Please read this page carefully before using this website. By accessing or using this website, you confirm that you accept these Terms and agree to comply with them. If you do not agree, please do not use this website. 

 

General Objective 

This website is operated by Brunei Darussalam Central Bank (BDCB). 

You may contact BDIF Secretariat via email at salam[at]bdif[dot]com[dot]bn.  

 

Changes to the Terms 

BDCB may change these Terms from time to time at its sole discretion. All changes will be posted on this page, and your continued usage of this website after such changes will constitute your agreement to the modified Terms and Conditions of Use. You should therefore read this page carefully each time you visit this Website to review the updated Terms and Conditions of Use.  

 

Intellectual Property 

The materials included on this website, including but not limited to, text, graphics, logos, icons, images, documentation, statistical data, reports, charts, and graphs, are the property of BDCB or any other relevant third parties. By continuing to use this website, you acknowledge that such materials are protected by copyright, trademark and other forms of proprietary rights, under the laws of Brunei Darussalam and any other applicable international intellectual property legislations.  

You may use, re-use and re-distribute the materials* from this website for non-commercial, educational and research purposes only, provided that you: 

  • Accurately credit the source of the materials; 
  • Use the materials in a way that is legal and in accordance with all applicable laws; 
  • Ensure that no analysis or transformation of the materials may be presented in a manner which suggests or is likely to lead to the belief that the analysis or transformation of the materials is attributed to BDCB or any third parties; 
  • Cease to use the materials and remove them from your applications or websites upon BDCB's request; 
  • Ensure the statistical data in the materials are accurately reproduced; and 
  • Do not use the materials in a way that suggests BDCB is associated to you or we endorse you or your use of the materials. 

*Note: This does not apply to Brunei Darussalam's legal tender currency note or coins. 

 

Links to other websites 

This website may contain hyperlinks and resources provided by third parties. Unless stated, these websites and resources are not under the control of BDCB. BDCB assumes no responsibility for the content of such websites and disclaims liability for any, and all, forms of loss or damage arising out of the use of these websites. The inclusion of a link to another website on this website does not imply any endorsement of the websites themselves or of those owning and controlling them. 

 

Links to other websites 

Those wishing to place a link, whether of this website's homepage or deep links (i.e. links to specific pages within this Website) on other websites, may submit an official request via email or in writing to BDCB and only upon approval of such request. In no circumstances shall BDCB be considered to be associated or affiliated in whatever manner with any contents, materials or other devices used or appearing on websites that link to this website or any of its contents. 

BDCB reserves the right to disable any links to the homepage of this website should BDCB consider the links to be inappropriate. BDCB also reserves the right to disable any unauthorised links or frames and disclaims any responsibility for the contents available on any other website reached by links to or from this website or any of the contents. 

 

Conduct of use 

BDCB does not guarantee that this website will be secure or free from bugs, viruses or any other harmful elements. You are responsible for configuring your devices, programs and applications settings as well as securing your internet and network connection that are used to access our site. You are also responsible for installing your own internet security and virus protection software used to access this website. 

You must not misuse this website by knowingly introducing malicious and illicit programs, files or other material that can cause harm to this website. You must not attempt to gain unauthorised access to this website. You must not attempt to disrupt the performance of this website via a denial-of-service attack or distributed denial-of service attack. By breaching this provision, BDCB is obliged to report any such breach to the relevant law enforcement authorities. In the event of such a breach, your right to use our website will be immediately revoked. 

 

Warranties and Liability 

This website and its contents are provided on an "as is" and "as available" basis without warranties of any kind. BDCB makes no warranty or representation that this website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. BDCB makes no guarantee of any specific results from the use of this website. 

BDCB shall not be liable for any damages or loss of any kind, including consequential, special or exemplary damages, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising directly or indirectly under or in connection with the use of, or inability to use, this Website or use of or reliance on the contents available from this website. 

No part of this website is intended to constitute any financial or other professional advice. If financial or other professional advice is required, services of competent professionals should be sought. 

BDCB shall not be liable to you if for any reason this website is unavailable at any time for any period. 

BDCB may suspend, withdraw, discontinue or change all or any part of this website without notice. BDCB reserves the right to modify, alter and withdraw the contents at any time for any reason whatsoever. 

 

BDIF Assistant Chatbot 

The chatbot is powered by artificial intelligence and provided for general information purposes only. Responses are generated automatically and BDCB cannot guarantee that they are accurate, complete, or up to date. Such responses do not constitute financial, regulatory, or legal advice, and BDCB accepts no liability for any loss or damage arising from reliance on them. Users should contact BDCB through official channels for official information.  

The chatbot interface may be subject to monitoring and screening. 

 

Indemnity 

By using this website, you agree to fully indemnify BDCB at all times against all liabilities, losses, charges, damages, costs (including legal costs) and expenses arising from your breach of these Terms, misuse of this website or any third-party claim resulting from your use of this website or its contents. 

 

BDCB Name and Logo 

The Brunei Darussalam Central Bank (BDCB) logo or name including any abbreviation of its name, is protected under the BDCB Order, 2010. They must not be used without the prior written permission of BDCB. All other trademarks appearing on this website are the property of their respective owners. 

 

Right of Access 

BDCB reserves the right to update or modify this website from time to time and at any time. BDCB further reserves all rights to deny or restrict access to this Website to any particular person, or to block access from a particular internet address to this website, at any time, without ascribing any reasons whatsoever. 

 

Privacy and Data Protection 

Any personal data collected through this website will be processed in accordance with BDCB’s privacy obligations. By using this website, you consent to such processing. 

 

Governing Law 

These Terms and the relationship between you and BDCB shall be governed by and construed in accordance with the laws of Brunei Darussalam and you agree to submit to the exclusive jurisdiction of the courts of Brunei Darussalam.