{"id":1056,"date":"2026-05-21T03:27:33","date_gmt":"2026-05-21T03:27:33","guid":{"rendered":"https:\/\/kokhawan.com\/?page_id=1056"},"modified":"2026-08-19T08:29:18","modified_gmt":"2026-08-19T08:29:18","slug":"refund-policy","status":"publish","type":"page","link":"https:\/\/kokhawan.com\/ms\/refund-policy\/","title":{"rendered":"Refund Policy"},"content":{"rendered":"<section class=\"vc_row vc_custom_1737683725413 liquid-row-shadowbox-6a934e4dd2007\"><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-6a934e4dd3308\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  ><style>.ld_fancy_heading_6a934e4dd3554 h3{color:rgb(2, 6, 111);}.ld_fancy_heading_6a934e4dd3554 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd3554\">\n\t<h3 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Refund Policy<\/h3><\/div><style>.ld_fancy_heading_6a934e4dd3c85 div {font-weight:600; } .ld_fancy_heading_6a934e4dd3c85 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd3c85 div {font-weight:600; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd3c85\">\n\t<div class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Effective Date: 16 Jan 2026<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"vc_row liquid-row-shadowbox-6a934e4dd425d\"><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-6a934e4dd46a8\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  ><div class=\"vc_row vc_inner vc_row-fluid vc_custom_1776392389803 liquid-row-shadowbox-6a934e4dd4fe3 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-6a934e4dd5b32\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\" ><style>.ld_fancy_heading_6a934e4dd5d21 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd5d21 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd5d21 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd5d21\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Welcome to Koeperasi Khazanah Usahawan (Ko-Khawan) Berhad (\u201cKo-Khawan\u201d). This Refund Policy outlines the terms and conditions governing refunds ONLY related to the use of the Ko-Khawan\u2019s related services.<\/p>\n<p>This refund policy does not apply to any transactions or dealings not processed through\u00a0Ko-Khawan\u00a0and shall be governed by its own set of terms and conditions.<\/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_6a934e4dd6bc3 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd6bc3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd6bc3 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd6bc3\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  1. General Policy<\/h5><\/div><style>.ld_fancy_heading_6a934e4dd6fa4 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd6fa4 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd6fa4 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd6fa4\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Ko-Khawan\u00a0primarily serves as an informational and member-access platform for its\u00a0members to view savings information, updates, contribution records, and related member services.<\/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_6a934e4dd780d h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd780d .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd780d h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd780d\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  2. Non-Refundable Transactions<\/h5><\/div><style>.ld_fancy_heading_6a934e4dd7bf0 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd7bf0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd7bf0 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd7bf0\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Unless otherwise stated\u00a0and approved\u00a0by Ko-Khawan,\u00a0all fees and payments processed through KKW,\u00a0are generally non-refundable\u00a0until upon termination\/exit as Member.<\/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_6a934e4dd83f5 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd83f5 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd83f5 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd83f5\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  3. Refund Eligibility<\/h5><\/div><style>.ld_fancy_heading_6a934e4dd8786 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd8786 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd8786 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd8786\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Refund requests may only be considered under the following circumstances:<\/p>\n<ul>\n<li>Duplicate payment or accidental duplicate transaction<\/li>\n<li>Incorrect transaction amount caused by system error<\/li>\n<li>Unauthorized transaction subject to verification<\/li>\n<li>Technical issues resulting in unsuccessful transaction processing but payment deduction occurred<\/li>\n<\/ul>\n<p><\/p><\/div><style>.ld_fancy_heading_6a934e4dd8ba1 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd8ba1 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd8ba1 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd8ba1\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  All refund requests are subject to review and approval by Ko-Khawan\u00a0and\/or the relevant payment provider.<\/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_6a934e4dd9297 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd9297 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd9297 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd9297\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  4. Refund Request Process<\/h5><\/div><style>.ld_fancy_heading_6a934e4dd95bc p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd95bc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd95bc p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd95bc\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  To request for a refund, members must contact Ko-Khawan\u00a0administration or support team and submit form with the following details:<\/p>\n<ul>\n<li>Full name<\/li>\n<li>Registered mobile number or member ID<\/li>\n<li>Transaction reference number<\/li>\n<li>Date and amount of transaction<\/li>\n<li>Reason for refund request<\/li>\n<li>Supporting documents or payment proof (if applicable)<\/li>\n<\/ul>\n<p>Incomplete requests may result in delays or rejection.<\/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_6a934e4dd9cbf h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd9cbf .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd9cbf h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd9cbf\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  5. Refund Processing Time<\/h5><\/div><style>.ld_fancy_heading_6a934e4dd9fde p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dd9fde .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dd9fde p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dd9fde\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Approved refunds may take approximately 7 to 14 business days to be processed, depending on the payment channel, financial institution, or internal verification process.<\/p>\n<p>Processing timelines may vary and are not guaranteed.<\/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_6a934e4dda71b h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4dda71b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4dda71b h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4dda71b\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  6. Right to Reject Refunds<\/h5><\/div><style>.ld_fancy_heading_6a934e4ddaa93 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4ddaa93 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4ddaa93 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4ddaa93\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Ko-Khawan or the payment\u00a0provider reserves\u00a0the right to reject refund request\u00a0that:<\/p>\n<ul>\n<li>Violate Ko-Khawan\u2019spolicies<\/li>\n<li>Contain incomplete or inaccurate information<\/li>\n<li>Are suspected to involve fraud, abuse, or unauthorized activity<\/li>\n<li>Relate to incompleteand unvalid transactions<\/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_6a934e4ddb2ed h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4ddb2ed .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4ddb2ed h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4ddb2ed\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  7. Changes to This Refund Policy<\/h5><\/div><style>.ld_fancy_heading_6a934e4ddb5f3 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4ddb5f3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4ddb5f3 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4ddb5f3\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Ko-Khawan\u00a0may update or revise this Refund Policy from time to time without prior notice. Continued use of the platform after updates constitutes acceptance of the revised 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_6a934e4ddbdd0 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4ddbdd0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4ddbdd0 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4ddbdd0\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  8. Contact Us<\/h5><\/div><style>.ld_fancy_heading_6a934e4ddc1be p {margin-bottom:20px !important;  } .ld_fancy_heading_6a934e4ddc1be .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a934e4ddc1be p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a934e4ddc1be\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  For refund-related inquiries, please contact:<\/p>\n<p>Email: <a href=\"mailto:dev@kokhawan.com\"><u>dev@kokhawan.com<\/u><\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Refund Policy Effective Date: 16 Jan 2026 Welcome to Koeperasi Khazanah Usahawan (Ko-Khawan) Berhad (\u201cKo-Khawan\u201d). This Refund Policy outlines the terms and conditions governing refunds ONLY related to the use of the Ko-Khawan\u2019s related services. This refund policy does not apply to any transactions or dealings not processed through\u00a0Ko-Khawan\u00a0and shall be governed by its own [...]","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1056","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>Refund Policy - 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\/refund-policy\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refund Policy - Building wealth through trust and opportunity | Ko-Khawan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kokhawan.com\/ms\/refund-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"Building wealth through trust and opportunity | Ko-Khawan\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-19T08:29:18+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=\"2 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kokhawan.com\/refund-policy\/\",\"url\":\"https:\/\/kokhawan.com\/refund-policy\/\",\"name\":\"Refund Policy - 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