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+60320225885
info@kontras.my

B2-3-7, Temasya 8 Biz Suite Glenmarie U1/67 Shah Alam Selangor (MY) 40150 Malaysia

TERMS AND CONDITIONS

Introduction

  1. By becoming a member of KONTRAS, you agree to be bound by these terms and conditions. These terms and conditions govern your membership with KONTRAS and your use of its facilities and services.

Membership

  1. Membership of KONTRAS is open to all individuals and entities that meet the membership criteria.

  2. Membership fees are non-refundable and non-transferable.

  3. KONTRAS reserves the right to decline any membership application without providing any reason.

Facilities and Services

  1. As a member of KONTRAS, you are entitled to use the facilities and services provided by KONTRAS.

  2. KONTRAS reserves the right to modify, suspend or terminate any facility or service at any time without prior notice.

  3. KONTRAS may also introduce new facilities or services from time to time.

Member Conduct

  1. As a member of KONTRAS, you must conduct yourself in a professional and ethical manner.

  2. You must comply with all applicable laws and regulations when using KONTRAS facilities and services.

  3. You must respect the rights of other members and staff of KONTRAS and not engage in any behavior that is disruptive, offensive or harmful to others.

Termination of Membership

  1. KONTRAS reserves the right to terminate your membership for any reason, including but not limited to non-payment of fees, breach of these terms and conditions or inappropriate behavior.

  2. In the event of termination of your membership, you will not be entitled to any refund of fees or other compensation.

Disclaimer

  1. KONTRAS provides its facilities and services on an "as is" and "as available" basis.

  2. KONTRAS makes no representation or warranty, express or implied, regarding the quality, suitability, reliability, availability or performance of its facilities and services.

  3. To the maximum extent permitted by law, KONTRAS disclaims all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Limitation of Liability

  1. To the maximum extent permitted by law, KONTRAS will not be liable for any direct, indirect, incidental, special or consequential damages arising out of or in connection with your membership or use of its facilities and services.

  2. KONTRAS' liability to you for any cause whatsoever, and regardless of the form of the action, will at all times be limited to the amount of fees paid by you to KONTRAS for the membership.

Governing Law and Jurisdiction

  1. These terms and conditions are governed by and construed in accordance with the laws of Malaysia.

  2. Any dispute arising out of or in connection with these terms and conditions will be subject to the exclusive jurisdiction of the courts of Malaysia.

Introduction

  1. These terms and conditions apply to any saving plan made by a member of KONTRAS in KONTRAS Various Saving Fund.

  2. By enrolling in the KONTRAS Various Saving Fund, you agree to be bound by these terms and conditions.

Saving Plan

  1. Members can enroll in the KONTRAS Various Saving Fund by choosing from the various plans available.

  2. Members can choose to contribute any amount of their choice on a regular basis.

  3. All contributions must be made in cash.

Saving Management

  1. The saving fund shall be managed by the Treasurer appointed by the Board of Directors of KONTRAS.

  2. The Treasurer shall manage the funds in a prudent manner and invest them in accordance with the investment guidelines.

  3. Members shall be notified of the fund's performance on an annual basis.

Withdrawal of Funds

  1. Members can withdraw their funds at any time.

  2. Requests for withdrawal of funds must be made in writing to KONTRAS.

  3. The withdrawal amount shall be the total amount of the member's contributions.

Governing Law and Jurisdiction

  1. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia.

  2. Any disputes arising from these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Malaysia

Introduction

  1. These terms and conditions apply to any member of KONTRAS participating in KONTRAS ROSCA Fund.

  2. By participating in the KONTRAS ROSCA Fund, you agree to be bound by these terms and conditions.

Rosca Fund

  1. KONTRAS ROSCA Fund is a rotating savings and credit association.

  2. Members of KONTRAS may participate in the KONTRAS ROSCA Fund.

  3. The KONTRAS ROSCA Fund shall be managed by a team appointed by the Board of Directors of KONTRAS.

  4. The team shall manage the Fund in accordance with the ROSCA guidelines.

Contributions

  1. Members of the KONTRAS ROSCA Fund shall make monthly contributions.

  2. The monthly contribution shall be determined by the Fund Manager.

  3. Contributions shall be made in cash via online payment

Withdrawals

  1. Members of the KONTRAS ROSCA Fund may withdraw their savings in accordance with the Fund guidelines.

  2. Requests for withdrawals must be made in writing to KONTRAS.

  3. The Fund Manager shall determine the frequency and amount of withdrawals.

Disputes

  1. Any disputes arising from these terms and conditions shall be resolved by the KONTRAS Board of Directors.

  2. The decision of the Board of Directors shall be final and binding.

Governing Law and Jurisdiction

  1. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia.

  2. Any disputes arising from these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Introduction

  1. These terms and conditions apply to any investment made by a member of KONTRAS in KONTRAS Investment Fund.

  2. By investing in the KONTRAS Investment Fund, you agree to be bound by these terms and conditions.

Investment in the Fund

  1. The minimum investment in the KONTRAS Investment Fund is RM1,000.

  2. KONTRAS reserves the right to refuse any investment.

  3. All investments must be made in cash.

Investment Management

  1. The investment fund shall be managed by a team appointed by the Board of Directors of KONTRAS.

  2. The investment team shall invest the funds in a prudent manner in accordance with the investment guidelines.

  3. The investment team shall provide quarterly reports on the fund's performance.

Fees

  1. KONTRAS may charge a management fee for managing the investment fund.

  2. The management fee will be deducted from the fund's assets.

Redemption of Units

  1. Units can be redeemed on a quarterly basis.

  2. Requests for redemption of units must be made in writing to KONTRAS.

  3. The redemption price shall be the net asset value of the fund at the end of the quarter.

Risk Factors

  1. Investing in the KONTRAS Investment Fund carries certain risks.

  2. The value of the fund may fluctuate and investors may lose part or all of their investment.

  3. Past performance is not necessarily indicative of future results.

Governing Law and Jurisdiction

  1. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia.

  2. Any disputes arising from these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Introduction

  1. These terms and conditions apply to all purchases made through the KONTRAS Online Shop.

  2. By making a purchase through the KONTRAS Online Shop, you agree to be bound by these terms and conditions.

Product Information

  1. All products displayed on the KONTRAS Online Shop are subject to availability.

  2. KONTRAS reserves the right to modify the prices and details of any product displayed on the KONTRAS Online Shop at any time without prior notice.

Ordering and Payment

  1. All orders placed through the KONTRAS Online Shop are subject to acceptance by KONTRAS.

  2. Payment must be made at the time of ordering by the methods available on the KONTRAS Online Shop.

  3. KONTRAS reserves the right to cancel any order at any time, without liability.

Delivery and Returns

  1. KONTRAS will deliver the products ordered to the delivery address specified in the order.

  2. The delivery time and cost will be specified on the KONTRAS Online Shop.

  3. If a product is faulty, damaged, or not as described, please contact KONTRAS within 14 days of delivery to arrange for a return and refund.

Intellectual Property

  1. All content on the KONTRAS Online Shop, including but not limited to text, graphics, logos, images, and software, is the property of KONTRAS or its suppliers and is protected by copyright and other intellectual property laws.

  2. You may not reproduce, modify, distribute, display, or otherwise use any content on the KONTRAS Online Shop without the prior written consent of KONTRAS.

Governing Law and Jurisdiction

  1. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia.

  2. Any disputes arising from these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Introduction

  1. These terms and conditions apply to any donation made by a member or non-member of KONTRAS to KONTRAS Donation Fund.

  2. By making a donation to KONTRAS Donation Fund, you agree to be bound by these terms and conditions.

Donations to the Fund

  1. The KONTRAS Donation Fund accepts donations from individuals or organizations.

  2. Donations can be made in cash or any other form acceptable by KONTRAS.

  3. KONTRAS reserves the right to refuse any donation.

Donation Management

  1. The KONTRAS Donation Fund shall be managed by a team appointed by the Board of Directors of KONTRAS.

  2. The donation team shall manage the fund in a responsible manner in accordance with the charity's objectives and applicable laws.

  3. The donation team shall provide reports on the fund's performance and how donations are being utilized.

Use of Donations

  1. Donations to the KONTRAS Donation Fund shall be used for charitable purposes in accordance with the charity's objectives.

  2. The charity shall make every effort to ensure that donations are used effectively and efficiently for their intended purposes.

Refunds

  1. Donations made to the KONTRAS Donation Fund are non-refundable.

Tax Deductibility

  1. Donations made to the KONTRAS Donation Fund may be tax-deductible in accordance with the applicable laws.

Governing Law and Jurisdiction

  1. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia.

  2. Any disputes arising from these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Introduction

  1. These terms and conditions apply to any contribution made by a member of KONTRAS in KONTRAS Takaful Fund.

  2. By contributing to the KONTRAS Takaful Fund, you agree to be bound by these terms and conditions.


Contribution to the Fund

  1. The minimum contribution to the KONTRAS Takaful Fund is RM100.

  2. KONTRAS reserves the right to refuse any contribution.


Takaful Management

  1. The takaful fund shall be managed by a team appointed by the Board of Directors of KONTRAS.

  2. The takaful team shall manage the fund in accordance with the principles of takaful.

  3. The takaful team shall provide periodic reports on the fund's performance.


Donations

  1. The takaful fund shall be used to provide assistance to members in accordance with the principles of takaful.

  2. Donations from the takaful fund shall be made on the basis of need and subject to the approval of the takaful team.


Risk Factors

  1. Contributing to the KONTRAS Takaful Fund carries certain risks.

  2. The value of the fund may fluctuate and contributors may not receive any payment.

  3. Past performance is not necessarily indicative of future results.


Governing Law and Jurisdiction

  1. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia.

  2. Any disputes arising from these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Shipping Methods

  1. We offer a range of shipping methods to accommodate your needs. Customers can choose from standard shipping, express shipping, or in-store pickup.

Shipping rates

  1. Shipping rates will vary based on the destination, weight, and shipping method chosen. Customers can view the shipping rates at checkout before making a purchase.

Shipping Timeframe

  1. Orders are typically processed and shipped within 1-2 business days. Delivery times will vary depending on the shipping method chosen and the destination. Standard shipping typically takes 3-5 business days, while express shipping takes 1-2 business days.

Order Tracking

  1. Customers will receive an email with tracking information once the order has been shipped. Customers can also view their order status and tracking information by logging into their account on our website.

In-Store Pickup

  1. Customers who choose in-store pickup can expect their order to be ready for pickup within 1-2 business days. Customers will receive an email notification when the order is ready for pickup.

Delivery Issues

  1. KONTRAS is not responsible for delivery delays or issues caused by the shipping carrier. Customers are encouraged to contact the shipping carrier directly to resolve any delivery issues.

Shipping Address

  1. Customers are responsible for providing accurate and complete shipping information at the time of checkout. KONTRAS is not responsible for orders shipped to an incorrect or incomplete address provided by the customer.

Risk of Loss

  1. In the event of any loss or damage to your package during the delivery process, KONTRAS online shop will work with our takaful provider to reimburse you for the value of the lost or damaged items. However, we cannot be held responsible for any loss or damage caused by events outside of our control, such as natural disasters, accidents, or theft after the package has been delivered to the customer.

  2. To ensure the safety of your package, we encourage customers to provide accurate and complete delivery information, including a secure and accessible delivery location. Customers are also advised to inspect their package upon delivery and report any damages or discrepancies to our customer service team within 24 hours of receipt.

  3. Thank you for choosing KONTRAS online shop for your shopping needs, and we look forward to providing you with a seamless and secure online shopping experience.

Returns

  1. You have 7 calendar days to return an item from the date you received it.

  2. To be eligible for a return, your item must be unused and in the same condition that you received it. Your item must be in the original packaging.

Refunds

  1. Once we receive your item, we will inspect it and notify you that we have received your returned item. We will immediately notify you on the status of your refund after inspecting the item.

  2. If your return is approved, we will initiate a refund to your original method of payment.

  3. You will receive the credit within a certain amount of days, depending on your card issuer's policies.

Shipping of Returned Materials

  1. You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.

POLICIES

The PDPA is a law in Malaysia that governs the collection, use, processing, and storage of personal data by individuals and organizations. As such, KONTRAS must ensure that it complies with the PDPA by implementing measures to protect the personal data of its members.


To comply with the PDPA, KONTRAS can take the following measures:

  1. Obtain consent from members before collecting their personal data.

  2. Use personal data only for the purposes for which it was collected.

  3. Take steps to protect personal data from unauthorized access, use, or disclosure.

  4. Provide members with access to their personal data upon request and allow them to correct or delete any inaccuracies.

  5. Ensure that all third-party service providers who handle personal data on behalf of KONTRAS are also compliant with the PDPA.

  6. Regularly review and update KONTRAS' data protection policies and procedures to ensure ongoing compliance with the PDPA.


By implementing these measures, KONTRAS can ensure that it complies with the PDPA and protects the personal data of its members.

  1. KONTRAS is committed to upholding high ethical standards and maintaining transparency in all its operations and interactions.

  2. Any form of corruption, bribery, or kickbacks will not be tolerated within the organization.

  3. All employees are expected to report any instances of corruption they encounter to their supervisors or the management team.

  4. The organization will take appropriate action against any employee found to have engaged in corrupt practices, up to and including termination.

  1. KONTRAS is an equal opportunity employer and is committed to creating a work environment that is free from discrimination.

  2. Discrimination based on race, gender, religion, age, or any other characteristic is not allowed.

  3. All employees are expected to treat their colleagues, customers, and suppliers with respect and fairness.

  4. Any form of harassment, bullying, or discrimination will not be tolerated within the organization.

  5. The organization will take appropriate action against any employee found to have engaged in discriminatory practices, up to and including termination.

  1. KONTRAS has a zero-tolerance policy for any illegal, unethical, or fraudulent activities.

  2. Any employee, member, or third party who suspects or becomes aware of any such activity is encouraged to report it.

  3. Reports can be made anonymously, without fear of retaliation, and will be investigated promptly and thoroughly.

  4. Reports can be made through a designated channel, such as a dedicated email or hotline, or to a designated person in management.

  5. The identity of the whistle blower will be protected to the fullest extent possible, except as required by law or legal proceedings.

  6. The investigation process will be kept confidential to the extent possible, and any information shared will be on a need-to-know basis.

  7. The investigation will be conducted by a neutral party or an outside consultant, as appropriate.

  8. Any corrective action or disciplinary measures will be taken as warranted by the investigation.

  9. KONTRAS will regularly review and update its whistle blowing policy as necessary to ensure its effectiveness and compliance with any changes in laws or regulations.

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