Please read the terms and conditions set forth below, as they apply to your access and use of our services, including our website, APIs, email notifications, applications buttons and widgets, and any information, text, graphics, video, photos, look and feel or other materials uploaded, downloaded or appearing on the Services.
The Services should not be regarded as an offer or solicitation to provide products or services described therein to any person to whom it is unlawful to make such an offer or solicitation or where the local law or regulation does not permit the use of such products or services.
The Services are provided by DL TechlabSdn. Bhd., on behalf of Pinjaman Koperasi..(collectively referred as “Pinjaman Koperasi”, “we”, “us” or “our”).
Pinjaman Koperasi, a company incorporated in Malaysia under the Companies Act 1965, is an authorised marketing representativefor the personal financing facilities for civil servants originated by RCE Marketing SdnBhd (a subsidiary of the Bursa Malaysia listed company, RCE Capital Berhad) through its business partners
Pinjaman Koperasi is not a lender, we do not make loans, make credit decisions, and we do not own or control the financing facilities that we market to you. We review the information that you provide to us and if you meet certain requirements, we then refer you to Financing Providers who we believe are most likely to provide you with a loan based on our assessment of your information. If you decide to obtain the financing, you will enter into a separate agreement with the Financing Providers and not with us. We do not control and are not responsible for the actions or inactions of the Financing Providers. You are under no obligation to use our Services to initiate contact or take a loan with any of the Financing Providers.
The Services that we provide are always evolving and the form, content, terms and nature of the Services that we provide may change from time to time without prior notice to you. In addition, we may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or to users generally and not be able to provide you with prior notice. We also retain the right to create limits on use and storage at our sole discretion at any time and without prior notice to you.
We make no representations, warranties or guarantees, whether express or implied, that our Services or any content on our site is accurate, complete or up-to- date.
Commentary and other materials posted on this Website are not intended to amount to advice on which reliance should be place. We are not liable or responsible for any reliance placed on such materials by you or anyone who you may inform of any of its contents.
We do not guarantee that our Services, or any content, will always be updated, available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our Services and Contents without notice. We will not be liable to you if for any reason our Services are unavailable at any time or for any period.
If you are provided with a log-in access, you are responsible for safeguarding the security and confidentiality of the password that you use to access the Services and for any activities or actions under your password. We encourage you to use “strong” passwords (passwords that use a combination of upper and lower case letters, numbers and symbols) with your account. You are fully responsible for all activities that occur under your password or account and must not disclose the same to any third party.
If you know or suspect that anyone other than you knows your password, you must promptly notify us at [email protected]
All intellectual property rights subsisting in respect of the Services and Contents (with the exception of contributed content by users) belong to Pinjaman Koperasi or have been lawfully licensed to Pinjaman Koperasi for use. All rights under applicable laws are hereby reserved. You are not allowed to upload, post, publish, reproduce, transmit or distribute in any way any component of the website itself or create derivative works with respect thereto, as the website is copyrighted under applicable laws.
You agree to respect all intellectual property rights, including but not limited to copyright, trademarks, trade names (whether registered or not) contained or displayed on the Website or which you gain access to in connection with using our Services.
You must not use any part of the materials on our Website for commercial purposes without prior consent and you agree not to download or print off copies of such materials for any purposes other than those for which they are intended.
You agree that we are free to use, disclose, adopt and modify all and any ideas, concepts, knowhow, proposals, suggestions, comments and other communications and information provided by you to us in connection with the Services and/or your use of the Services without any payment to you. You hereby waive and agree to waive all and any rights and claims for any consideration, fees, royalties, charges and/or other payments in relation to our use, disclosure, adoption and/or modification of any or all of your Feedback.
We reserve the right at all times (but will not have an obligation) to remove or refuse to distribute any Content on the Services, to suspend or terminate users, and to reclaim usernames without liability to you. We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to
In order to use our Services and during the course of such use, you represent and warrant that:
You grant Pinjaman Koperasi and the Financing Providers permission to obtain, verify and disclose any information submitted for the purposes of the Services, including but not limited to Credit Information (as defined in the Credit Reporting Agencies Act 2010) relating to you from and/or to any source, including but not limited to the Inland Revenue Authorities; Employment Provident Fund; RAM Credit Information Sdn. Bhd., CTOS Data Systems Sdn. Bhd.and any other, person, individual and/or entity, credit reporting/reference agencies, and other financial institutions as Pinjaman Koperasi and the Financing Providers deems appropriate in relation to your credit application or transaction with you.
The obtaining and/or disclosure of such information are for the purposes of, including but not limited to the opening of account, credit evaluation, credit/account review, credit/account monitoring, debt recovery purposes, scoring solutions, legal documentation and/or action consented to a contract or facility granted.
You further authorise and consent to Pinjaman Koperasi and the Financing Providers to disclose to any other person(s),bodies and authorities in or outside of Malaysia, including but not limited to debt collection agents, companies within the group of Pinjaman Koperasi and the Financing Providers, its respective agents, and appointed outsourcing agents for the purposes of providing integrated services, maintaining and storing records, information and particulars (financial or otherwise), relating to your affairs, accounts, financing and conduct thereof for such purposes as Pinjaman Koperasi and the Financing Providers deems fit or appropriate.
Such consent shall remain applicable as long as you are maintaining an account, loan, credit or any transaction with us or the Financing Providers. Pinjaman Koperasi and the Financing Providers are expressly authorised by you to discuss with you present and future employer(s) regarding youruse of our Services.
All forms and supporting documents submitted by you to Pinjaman Koperasi and the Financing Providers for your use of our Services shall be our property and the Financing Providers and we shall be entitled to retain the same irrespective of the outcome of your application or use of our Services.
Please read this section carefully since it limits the liability of Pinjaman Koperasi gand its related companies, officers, directors, employees, agents, representatives, partners, and licensors (collectively, the, “Entities of Pinjaman Koperasi“). Each of the subsections below only applies up to the maximum extent permitted under applicable law. Some jurisdictions do not allow the disclaimer of implied warranties or the limitation of liability in contracts, and as a result the contents of this section may not apply to you. Nothing in this section is intended to limit any rights you may have which may not be lawfully limited. All Information is for your general reference only. We do not accept any responsibility whatsoever in respect of such information.
YOUR ACCESS TO AND USE OF OUR SERVICES IS AT YOUR SOLE RISK AND IS PROVIDED “AS IS”, AND, “AS AVAILABLE.” THE SERVICES ARE FOR YOUR PERSONAL USE ONLY AND THE ENTITIES OF PINJAMAN KOPERASI MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES ON MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR NON-INFRINGEMENT.
THE ENTIRE LIABILITY OF THE ENTITIES OF PINJAMAN KOPERASI AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICES OR OTHERWISE, IS RE-PERFORMANCE OF DEFECTIVE SERVICES. IN JURISDICTIONS WHICH DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF LIABILITY, OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DO NOT ENDORSE, WARRANT OR GUARANTEE ANY MATERIAL, PRODUCT OR SERVICE OFFERED THROUGH US OR OUR SERVICES. WE ARE NOT AND WILL NOT BE A PARTY TO ANY TRANSACTION BETWEEN YOU AND ANY THIRD PARTY.
IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE ENTITIES OF PINJAMAN KOPERASI EXCEED FIVE HUNDRED MALAYSIAN RINGGITS (MYR 500).
The Entities of Pinjaman Koperasi shall not guarantee or assume any responsibility that:
Without limiting the generality of the foregoing, in no event will the Entities of Pinjaman Koperasi be liable to you or any other person for any direct, indirect, incidental, special, punitive or consequential loss or damages, including any loss of business or profit, goodwill, opportunity or reputation arising out of any use, or inability to use, or reliance on the information or the Services, even if any of the Entities of Pinjaman Koperasi has been advised of the possibility of such loss or damages.
Pinjaman Koperasi will maintain its best effort in helping you procure the loan within 2 working days turnaround time which is measured from the point in time the Financing Providers receive all the necessary documentations from you until the loan is deposited into your bank account subject to the following conditions:
Under no circumstances shall this period be constituted as a guarantee by Pinjaman Koperasi and in all other circumstances, the turnaround time for the completion of your application will take more than 2 working days.
You will exercise and rely solely on your own skill and judgment in your use and interpretation of the information and use of the Services. You are responsible to ensure that your use of the information and the Services complies with all applicable legal requirements.
You agree to indemnify and hold harmless Pinjaman Koperasi from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by Entities of Pinjaman Koperasi in connection with any claim by a third party (including any intellectual property claim) arising out of:
You further agree that you will cooperate fully in the defence of any such claims. We reserve the right, at their own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.
You may link to our Services provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our Services in any website that is not owned by you. We reserve the right to withdraw linking permission without notice.
The links from the Services may take you to other sites or services and you acknowledge and agree that Pinjaman Koperasi has no responsibility for the accuracy or availability of any Information provided by third parties services and websites.
The Services may include advertisements, which may be targeted to the Content or information on the Services, queries made through the Services, or other information. The types and extent of advertising by Pinjaman Koperasi on the Services are subject to change. In consideration for us granting you access to and use of the Services, you agree that Pinjaman Koperasi and its third party providers and partners may place such advertising on the Services or in connection with the display of Content or information from the Services, whether submitted by you or others.
Links to other websites and services do not constitute an endorsement by us of such websites or services, or information, products, advertising or other materials available made available by such third parties.
Nonetheless, you will still be bound by the terms of any previous versions to which you have agreed or been deemed to agree at the relevant time. If there is a conflict between two versions of the terms to which you have agreed or been deemed to agree, the more recent version shall take precedence unless it is expressly stated otherwise.
No failure or delay by a party to exercise any right or remedy provided under this agreement or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall prevent or restrict the further exercise of that or any other right or remedy.
You may end your agreement with us at any time for any reason by deactivating your accounts and discontinuing your use of the Services. You do not need to specifically inform us when you stop using the Services.
We may suspend or terminate your accounts or cease providing you with all or part of the Services at any time for any reason, including, but not limited to, if we reasonably believe:
We will make reasonable efforts to notify you by the email address associated with your account or the next time you attempt to access your account.
Nothing in this section shall affect our rights to change, limit or stop the provision of the Services without prior notice, as provided above in Variations.
This Agreement is drafted in the English language. If this Agreement is translated into any other language, the English language version shall prevail.
Any notice given under or in connection with this Agreement shall be in the English language.