Terms of Use

Terms applicable when you access and use koperasi-kh.com.

Effective date: 19 August 2026

Purpose of the site

The site provides corporate information, educational content, solution-category exploration and enquiry channels. Unless expressly stated and verified, it is not a takaful contract, policy, certificate, final quotation, guarantee of eligibility, underwriting or claims decision, or medical, legal, tax or personalised financial advice.

Product information and outcomes

Actual benefits, limits, exclusions, prices, panels, eligibility, waiting periods, claims processes and terms are subject to relevant provider official documents and decisions. Use of the quiz, Protection Score, category suggestions, forms or follow-up communication does not guarantee acceptance, coverage, claims approval, contribution rates, returns, affiliate income or any outcome.

Use and third parties

Use the site lawfully, provide accurate information and do not disrupt site security or operation. WhatsApp and third-party links are provided for convenience and do not necessarily indicate endorsement or an official relationship.

Availability and law

We may maintain, change, suspend or discontinue parts of the site where reasonably necessary. To the extent permitted by law, KH is not liable for indirect or consequential loss arising solely from reliance on general site content or third-party service failure. These Terms are interpreted under Malaysian law, subject to applicable mandatory rights.

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