{"id":1043,"date":"2026-04-17T02:28:35","date_gmt":"2026-04-17T02:28:35","guid":{"rendered":"https:\/\/kokhawan.com\/?page_id=1043"},"modified":"2026-05-21T03:32:32","modified_gmt":"2026-05-21T03:32:32","slug":"tnc","status":"publish","type":"page","link":"https:\/\/kokhawan.com\/ms\/tnc\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"<section class=\"vc_row vc_custom_1737683725413 liquid-row-shadowbox-6a20882e132d8\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6a20882e13ec9\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  ><style>.ld_fancy_heading_6a20882e1404b h3{color:rgb(2, 6, 111);}.ld_fancy_heading_6a20882e1404b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1404b\">\n\t<h3 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Terms and Conditions<\/h3><\/div><style>.ld_fancy_heading_6a20882e144a2 div {font-weight:600; } .ld_fancy_heading_6a20882e144a2 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e144a2 div {font-weight:600; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e144a2\">\n\t<div class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Last updated: 16 Jan 2026<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"vc_row liquid-row-shadowbox-6a20882e1486e\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6a20882e14b45\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  ><div class=\"vc_row vc_inner vc_row-fluid vc_custom_1776392389803 liquid-row-shadowbox-6a20882e1520c vc_row-has-fill\"><div class=\"ld-container container-fluid\"><div class=\"row ld-row ld-row-inner\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6a20882e15ab3\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\" ><style>.ld_fancy_heading_6a20882e15c56 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e15c56 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e15c56 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e15c56\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">These Terms &amp; Conditions (\u201cTerms\u201d) constitute a legally binding agreement between you (\u201cUser\u201d, \u201cyou\u201d, or \u201cyour\u201d) and Ko-Khawan Khazanah Usahawan (Ko-Khawan) Berhad (\u201cKo-Khawan\u201d, \u201cwe\u201d, \u201cour\u201d, or \u201cus\u201d), governing your access to and use of the Ko-Khawan website and mobile application (collectively, the \u201cPlatform\u201d). <\/span><\/p><\/div><style>.ld_fancy_heading_6a20882e15f36 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e15f36 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e15f36 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e15f36\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e1692e h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1692e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1692e h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1692e\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  1. Nature of Service<\/h5><\/div><style>.ld_fancy_heading_6a20882e16b7a p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e16b7a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e16b7a p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e16b7a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Ko-Khawan operates as a co-operative society and provides a digital platform that enables members to access and view their membership details, specific savings information and announcements.<\/span><\/p><\/div><style>.ld_fancy_heading_6a20882e16e0b p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e16e0b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e16e0b p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e16e0b\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">The Platform is intended for informational and reference purposes. Certain financial activities, including specific savings, withdrawals, and return payouts, are administered by Ko-Khawan in accordance with its policies and may be conducted outside of the Platform.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e173d6 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e173d6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e173d6 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e173d6\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  2. Eligibility<\/h5><\/div><style>.ld_fancy_heading_6a20882e17635 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e17635 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e17635 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e17635\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Access to the Platform is restricted to registered members of Ko-Khawan.<\/span><\/p><\/div><style>.ld_fancy_heading_6a20882e178cf p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e178cf .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e178cf p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e178cf\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Ko-Khawan reserves the right, at its sole discretion, to approve, deny, suspend, or terminate access to the Platform at any time without prior notice.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e17e4a h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e17e4a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e17e4a h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e17e4a\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  3. User Account and Responsibilities<\/h5><\/div><style>.ld_fancy_heading_6a20882e18090 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e18090 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e18090 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e18090\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">You agree to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Provide accurate, complete, and up-to-date information<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Maintain the confidentiality of your account credentials<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Notify Ko-Khawan immediately of any unauthorised access or use of your account<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Be responsible for all activities conducted under your account<\/span><\/li>\n<\/ul>\n<p><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e186f6 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e186f6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e186f6 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e186f6\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  4. Specific Savings Information<\/h5><\/div><style>.ld_fancy_heading_6a20882e1893b p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1893b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1893b p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1893b\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Information relating to your specific savings and return payouts are made available through the Platform for your reference.<\/p><\/div><style>.ld_fancy_heading_6a20882e18b58 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e18b58 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e18b58 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e18b58\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Returns payout are made by Ko-Khawan in accordance with its internal policies and applicable regulations.<\/span><\/p><\/div><style>.ld_fancy_heading_6a20882e18dc9 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e18dc9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e18dc9 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e18dc9\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">While Ko-Khawan makes reasonable efforts to ensure that such information is accurate and up to date, Ko-Khawan does not guarantee that all information is always complete, accurate, or current. <\/span><\/p><\/div><style>.ld_fancy_heading_6a20882e1902b p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1902b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1902b p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1902b\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Members are advised to contact Ko-Khawan directly for official records and confirmation.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e19596 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e19596 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e19596 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e19596\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  5. Intellectual Property Rights<\/h5><\/div><style>.ld_fancy_heading_6a20882e197d1 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e197d1 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e197d1 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e197d1\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">All contents, trademarks, logos, software, and materials available on the Platform are the property of Ko-Khawan or its licensors and are protected under applicable laws.<\/span><\/p><\/div><style>.ld_fancy_heading_6a20882e19a17 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e19a17 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e19a17 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e19a17\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">All contents on the Platform are protected by applicable laws, and any unauthorised use, reproduction, or distribution is prohibited.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e19f9e h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e19f9e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e19f9e h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e19f9e\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  6. Limitation of Liability<\/h5><\/div><style>.ld_fancy_heading_6a20882e1a1be p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1a1be .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1a1be p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1a1be\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">To the fullest extent permitted by law, Ko-Khawan shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">your use of or inability to use the Platform<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">any inaccuracies or delays in the information provided<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">any decisions made based on the information available<\/span><\/li>\n<\/ul>\n<p><\/p><\/div><style>.ld_fancy_heading_6a20882e1a4d9 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1a4d9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1a4d9 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1a4d9\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Ko-Khawan does not guarantee that the Platform will be uninterrupted, secure, or error-free.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e1aa2f h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1aa2f .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1aa2f h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1aa2f\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  7. Suspension and Termination<\/h5><\/div><style>.ld_fancy_heading_6a20882e1ac72 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1ac72 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1ac72 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1ac72\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Ko-Khawan reserves the right to suspend or terminate your access to the Platform immediately, without prior notice, if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">you breach these Terms<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">you engage in unlawful or fraudulent activities<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">your actions may harm the Platform or other users<\/span><\/li>\n<\/ul>\n<p><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e1b284 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1b284 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1b284 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1b284\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  8. Privacy<\/h5><\/div><style>.ld_fancy_heading_6a20882e1b4c7 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1b4c7 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1b4c7 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1b4c7\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Your use of the Platform is also subject to our Privacy Policy.<\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e1b9e4 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1b9e4 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1b9e4 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1b9e4\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  9. Amendments<\/h5><\/div><style>.ld_fancy_heading_6a20882e1bc13 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1bc13 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1bc13 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1bc13\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Ko-Khawan reserves the right to revise these Terms at any time. Any updates will be effective upon publication on the Platform.<\/p><\/div><style>.ld_fancy_heading_6a20882e1be28 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1be28 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1be28 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1be28\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Your continued use of the Platform constitutes acceptance of the revised Terms.<\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e1c3b0 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1c3b0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1c3b0 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1c3b0\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  10. Governing Law<\/h5><\/div><style>.ld_fancy_heading_6a20882e1c5c9 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1c5c9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1c5c9 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1c5c9\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  These Terms shall be governed by and construed in accordance with the laws of Malaysia.<\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e1cb02 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1cb02 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1cb02 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1cb02\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  11. Binding with KKW Nomination Declaration and T&amp;C Acknowledgement<\/h5><\/div><style>.ld_fancy_heading_6a20882e1cd1e p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1cd1e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1cd1e p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1cd1e\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  This Terms &amp; Condition is read together with, and forms an integral part of, the Ko-Khawan (KKW) Nomination Declaration and T&amp;C Acknowledgement). In the event of any conflict, the KKW T&amp;C shall prevail except where this Terms &amp; Condition provides more specific terms. Acceptance of the KKW T&amp;C constitutes acceptance of this Terms &amp; Condition.<\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a20882e1d26d h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1d26d .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1d26d h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1d26d\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  12. Contact Information<\/h5><\/div><style>.ld_fancy_heading_6a20882e1d488 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1d488 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1d488 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1d488\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  If you have any questions regarding these terms, please contact us at:<\/p><\/div><style>.ld_fancy_heading_6a20882e1d6c1 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a20882e1d6c1 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a20882e1d6c1 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a20882e1d6c1\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Email: <a href=\"mailto:dev@kokhawan.com\">dev@kokhawan.com<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Terms and Conditions Last updated: 16 Jan 2026 These Terms &amp; Conditions (\u201cTerms\u201d) constitute a legally binding agreement between you (\u201cUser\u201d, \u201cyou\u201d, or \u201cyour\u201d) and Ko-Khawan Khazanah Usahawan (Ko-Khawan) Berhad (\u201cKo-Khawan\u201d, \u201cwe\u201d, \u201cour\u201d, or \u201cus\u201d), governing your access to and use of the Ko-Khawan website and mobile application (collectively, the \u201cPlatform\u201d). By accessing or using [...]","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1043","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Terms and Conditions - Building wealth through trust and opportunity | Ko-Khawan<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kokhawan.com\/ms\/tnc\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms and Conditions - Building wealth through trust and opportunity | Ko-Khawan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kokhawan.com\/ms\/tnc\/\" \/>\n<meta property=\"og:site_name\" content=\"Building wealth through trust and opportunity | Ko-Khawan\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-21T03:32:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kokhawan.com\/wp-content\/uploads\/2024\/12\/metadata-1200x675-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1013\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kokhawan.com\/tnc\/\",\"url\":\"https:\/\/kokhawan.com\/tnc\/\",\"name\":\"Terms and Conditions - Building wealth through trust and opportunity | Ko-Khawan\",\"isPartOf\":{\"@id\":\"https:\/\/kokhawan.com\/#website\"},\"datePublished\":\"2026-04-17T02:28:35+00:00\",\"dateModified\":\"2026-05-21T03:32:32+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/kokhawan.com\/tnc\/#breadcrumb\"},\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/kokhawan.com\/tnc\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/kokhawan.com\/tnc\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/kokhawan.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Terms and Conditions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/kokhawan.com\/#website\",\"url\":\"https:\/\/kokhawan.com\/\",\"name\":\"Building wealth through trust and opportunity | Kokhawan\",\"description\":\"Koperasi Khazanah Usahawan (Ko-Khawan) Berhad is a dynamic cooperative empowering members with savings schemes, tailored financing, and welfare benefits for better well-being.\",\"publisher\":{\"@id\":\"https:\/\/kokhawan.com\/#organization\"},\"alternateName\":\"Kokhawan\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/kokhawan.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ms-MY\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/kokhawan.com\/#organization\",\"name\":\"Building wealth through trust and opportunity - Kokhawan\",\"url\":\"https:\/\/kokhawan.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\/\/kokhawan.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/kokhawan.com\/wp-content\/uploads\/2024\/12\/KKW-logo-Blue.png\",\"contentUrl\":\"https:\/\/kokhawan.com\/wp-content\/uploads\/2024\/12\/KKW-logo-Blue.png\",\"width\":431,\"height\":92,\"caption\":\"Building wealth through trust and opportunity - Kokhawan\"},\"image\":{\"@id\":\"https:\/\/kokhawan.com\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Terms and Conditions - Building wealth through trust and opportunity | Ko-Khawan","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kokhawan.com\/ms\/tnc\/","og_locale":"ms_MY","og_type":"article","og_title":"Terms and Conditions - Building wealth through trust and opportunity | Ko-Khawan","og_url":"https:\/\/kokhawan.com\/ms\/tnc\/","og_site_name":"Building wealth through trust and opportunity | Ko-Khawan","article_modified_time":"2026-05-21T03:32:32+00:00","og_image":[{"width":1800,"height":1013,"url":"https:\/\/kokhawan.com\/wp-content\/uploads\/2024\/12\/metadata-1200x675-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/kokhawan.com\/tnc\/","url":"https:\/\/kokhawan.com\/tnc\/","name":"Terms and Conditions - Building wealth through trust and opportunity | Ko-Khawan","isPartOf":{"@id":"https:\/\/kokhawan.com\/#website"},"datePublished":"2026-04-17T02:28:35+00:00","dateModified":"2026-05-21T03:32:32+00:00","breadcrumb":{"@id":"https:\/\/kokhawan.com\/tnc\/#breadcrumb"},"inLanguage":"ms-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kokhawan.com\/tnc\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/kokhawan.com\/tnc\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/kokhawan.com\/"},{"@type":"ListItem","position":2,"name":"Terms and Conditions"}]},{"@type":"WebSite","@id":"https:\/\/kokhawan.com\/#website","url":"https:\/\/kokhawan.com\/","name":"Building wealth through trust and opportunity | Kokhawan","description":"Koperasi Khazanah Usahawan (Ko-Khawan) Berhad is a dynamic cooperative empowering members with savings schemes, tailored financing, and welfare benefits for better well-being.","publisher":{"@id":"https:\/\/kokhawan.com\/#organization"},"alternateName":"Kokhawan","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/kokhawan.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ms-MY"},{"@type":"Organization","@id":"https:\/\/kokhawan.com\/#organization","name":"Building wealth through trust and opportunity - Kokhawan","url":"https:\/\/kokhawan.com\/","logo":{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/kokhawan.com\/#\/schema\/logo\/image\/","url":"https:\/\/kokhawan.com\/wp-content\/uploads\/2024\/12\/KKW-logo-Blue.png","contentUrl":"https:\/\/kokhawan.com\/wp-content\/uploads\/2024\/12\/KKW-logo-Blue.png","width":431,"height":92,"caption":"Building wealth through trust and opportunity - Kokhawan"},"image":{"@id":"https:\/\/kokhawan.com\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/pages\/1043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/comments?post=1043"}],"version-history":[{"count":3,"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/pages\/1043\/revisions"}],"predecessor-version":[{"id":1061,"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/pages\/1043\/revisions\/1061"}],"wp:attachment":[{"href":"https:\/\/kokhawan.com\/ms\/wp-json\/wp\/v2\/media?parent=1043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}