1. Acceptance of Terms

By accessing or using TakafulOnline.net (“Platform”), you agree to be bound by these Terms & Conditions and all applicable laws and regulations.

If you do not agree with any part of these terms, please discontinue the use of this platform immediately.

2. Platform Nature

TakafulOnline.net is a marketing and technology platform that helps connect users with registered and authorized Takaful consultants/agents.

We do not act as an insurance company, Takaful operator, or direct underwriter.

This platform is also not the official website of any Takaful operator.

3. Information & Quotations

All information, recommendations, calculations, or quotations displayed on this platform are provided for reference and educational purposes only.

Any recommendation, quotation, protection benefit, or final pricing remains subject to assessment and approval by the relevant Takaful operator.

A valid protection contract only exists once the official policy certificate has been issued by the relevant Takaful operator.

4. User Submissions

You agree that all information submitted through forms, WhatsApp, or this platform is accurate, complete, and lawful.

You are also responsible for the information provided during quotation requests, communications, or any usage of this platform.

5. Marketing & Promotional Use

By using this platform and submitting your information, you consent to TakafulOnline.net using such information for purposes including:

• quotation and consultation,

• customer service,

• further communications,

• analytics and service improvement,

• and related business development activities,

subject to applicable laws and compliance requirements.

6. Use of Platform

You agree:

• not to use this platform for unlawful activities,

• not to provide false or misleading information,

• and not to interfere with the functionality, security, or systems of this platform.

7. No Guarantee of Outcomes

TakafulOnline.net does not guarantee:

• policy approval,

• quotation pricing,

• agent availability,

• response time,

• or any specific outcome from your application.

All final decisions remain subject to the relevant Takaful operator.

8. Third Party Links

This platform may contain links to third-party websites such as official Takaful operator portals or other external platforms.

We are not responsible for the content, policies, or any losses arising from the use of such third-party websites.

9. Limitation of Liability

To the fullest extent permitted by law, TakafulOnline.net shall not be liable for any direct, indirect, incidental, or consequential losses arising from:

• the use of this platform,

• interactions with third parties,

• or reliance on information provided on this platform.

10. Billing & Refund Policy

Any payment or transaction related to products or services shall be subject to the applicable product terms and policies in force.

Unless otherwise stated in writing, all payments are non-refundable.

11. Intellectual Property

All content on this platform including text, graphics, logos, images, and designs are the property of TakafulOnline.net or their respective owners and are protected by applicable copyright laws.

Any unauthorized reproduction or reuse is strictly prohibited.

12. Changes to Terms

We reserve the right to amend or update these Terms & Conditions at any time without prior notice.

Continued use of the platform after changes are published constitutes your acceptance of the updated terms.

13. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of Malaysia.

Any disputes arising from the use of this platform shall be subject to the exclusive jurisdiction of the courts of Malaysia.