1. Introduction
Welcome to the website of Koperasi MCIS Berhad (“we”, “us”, “our”). These Terms & Conditions (“Agreement”) set out the legally binding terms under which you (“you”, “your”, “member”, “visitor”) may access and use our website (the “Website”). By using or accessing this Website, you agree to be bound by this Agreement. If you disagree with any part of these terms, please do not use the Website.

2. Our Services
We are a member-based cooperative offering savings, investment, financial and other member-oriented services. Our Website may provide information about these services, investments, member benefits, announcements, downloadable forms, and other member resources. (See our Services pages on the Website.)
We do not guarantee that all services listed will always be available, and the Website content may be updated or changed without notice.

3. Eligibility & Membership
Access to certain services described on the Website may be restricted to members of the cooperative. To become a member, you must satisfy the eligibility criteria set by us. By using member-only services you represent that you meet such criteria and that all information you provide is true, complete and accurate.

4. Website Use
4.1 You agree to use the Website only for lawful purposes and in accordance with this Agreement.
4.2 You must not use the Website in any way that causes, or may cause, damage to the Website or impairment of its availability or accessibility.
4.3 You must not use the Website in any way which is unlawful, fraudulent or harmful, or in connection with any unlawful, fraudulent or harmful purpose or activity.

5. Intellectual Property
All content on the Website, including but not limited to text, graphics, logos, images, downloadable forms, design and compilation thereof, is the property of Koperasi MCIS Berhad or its licensors and is protected by copyright, trademark and other intellectual property laws. You may view, download and print pages from the Website for your personal, non-commercial use only. No other use is permitted without our express written consent.

6. Disclaimers & Limitation of Liability
6.1 The Website and all content are provided on an “as is” basis without any warranties, express or implied. We do not warrant that the Website will be uninterrupted or error-free.
6.2 We do not guarantee the accuracy, completeness or reliability of the content (including investment information) on the Website. Any reliance you place on such content is strictly at your own risk.
6.3 To the fullest extent permitted by law, we exclude all liability for any damages (direct, indirect, incidental, special, consequential or punitive) arising out of or in connection with your use of or inability to use the Website or services described therein.

7. Links to Other Websites
The Website may contain links to third-party websites or resources. These links are provided for convenience only and we have no control over, and assume no responsibility for, the content, availability or practices of such third-party websites. Inclusion of such links does not imply endorsement of the linked site.

8. Privacy & Data Protection
Our [Privacy Policy] (insert link) sets out how we collect, use, store and disclose your personal data when you use the Website. By using the Website you consent to such processing and you warrant that all data you provide is accurate.

9. Updates to Terms
We reserve the right, at our discretion, to modify or replace these Terms at any time. When we do so, we will post the updated terms on this Website and update the “Last Updated” date at the top. Your continued use of the Website following any changes indicates your acceptance of the new Terms.

10. Termination
We may, in our sole discretion, suspend or terminate your access to the Website at any time, for any reason, including if you breach these Terms. Upon termination, all rights granted to you under these Terms cease immediately.

11. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of Malaysia. You agree to submit to the exclusive jurisdiction of the courts of Malaysia in relation to any dispute arising out of or relating to these Terms or your use of the Website.

12. Contact Information
If you have any questions about these Terms, please contact us at:
Koperasi MCIS Berhad
Email: enquiries@kopmcis.com
Address: Tingkat Mezzanine, Tower 1, Wisma Koperasi MCIS, Jalan Barat, 46200 Petaling Jaya, Selangor

Last Updated: 31-October-2025