Terms and Conditions Welcome to https://yayasanmuhibahmalaysia.com. By accessing or using our website, you agree to comply with and be bound by the following terms and conditions. If you do not agree with these terms, please do not use our website. 2. Acceptance of Terms By using our website, you acknowledge that you have read, understood, and agree to these terms and conditions. They may be updated from time to time, and it is your responsibility to review them periodically. 3. User Responsibilities

• Eligibility: You must be at least 18 years old to use this website.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• Prohibited Activities: You agree not to use the website for any unlawful purposes or in any way that could damage, disable, overburden, or impair the website.

4. Intellectual Property All content on this website, including text, graphics, logos, and software, is the property of Yayasan Muhibah Malaysia or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without explicit permission. 5. Third-Party Links Our website may contain links to third-party websites. We do not control and are not responsible for the content or practices of these third-party sites. Your use of third-party links is at your own risk. 6. Disclaimers

• Website Availability: We make no warranties that the website will be available at all times or that it will be free from errors or viruses.
• Content Accuracy: The information provided on this website is for general informational purposes only and is not guaranteed to be accurate or complete.

7. Limitation of Liability To the fullest extent permitted by law, Yayasan Muhibah Malaysia shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the website or inability to access it. 8. Indemnification You agree to indemnify and hold Yayasan Muhibah Malaysia harmless from any claims, losses, liabilities, damages, costs, or expenses (including legal fees) arising from your use of the website or your violation of these terms and conditions. 9. Governing Law These terms and conditions are governed by and constructed in accordance with the laws of Malaysia, without regard to its conflict of law principles. 10. Changes to Terms We reserve the right to modify these terms and conditions at any time. Any changes will be effective immediately upon posting on this website. Your continued use of the website constitutes acceptance of the updated terms. 11. Contact Information If you have any questions about these terms and conditions, please contact us at [email protected].

Privacy Policy 1. Introduction Welcome to Yayasan Muhibah Malaysia. We are committed to safeguarding your privacy. This Privacy Policy outlines how we collect, use, and protect your personal information when you interact with our services, including our website at www.yayasanmuhibahmalaysia.com (collectively referred to as "the Platform"). By using our services, you consent to the practices described in this policy. 2. Scope of This Privacy Policy 2.1 This Privacy Policy applies to all services provided by Yayasan Muhibah Malaysia and is incorporated into the User Terms and Conditions that you agreed to. It does not cover personal data collected through third-party services or sites linked from our Platform. 2.2 Please review this Privacy Policy carefully. By continuing to use our services, you agree to the collection, use, and processing of your personal data as described. If you do not agree, please refrain from using our services. 3. Information We Collect 3.1 We collect and process various types of personal data, including but not limited to:

• Identity Data: Name, gender, date of birth, identification number, nationality.
• Contact Data: Address, email, phone numbers.
• Log Data: Technical details such as IP address, device information.
• Payment Data: Bank details, payment transactions.

3.2 Please ensure your personal data is accurate and up-to-date. You can access and update your data by contacting us. 4. How We Use Your Personal Data We use your personal data to:

• Provide and manage our services.
• Process transactions and communications.
• Verify identities and conduct due diligence.
• Respond to your requests and improve our services.
• Ensure security and compliance with legal obligations.
• Conduct business operations and marketing.

5. Security Practices We employ robust security measures to protect your personal data from unauthorized access and misuse. However, no system is completely secure, and we cannot guarantee absolute protection. 6. Advertising We may use your personal data to tailor advertising to your preferences. You can opt out of marketing communications by contacting us or following instructions in our communications. 7. Sharing Your Personal Data We may share your personal data with:

• Affiliates, business partners, and service providers.
• Legal authorities when required to comply with legal obligations.Third-party use of your data will be subject to confidentiality and security measures.

8. Communications We may send you updates and notifications related to our services. You can opt out of marketing communications but not essential service-related notifications. 9. Third-Party Services Our Platform may link to third-party services. We are not responsible for the privacy practices of these third parties. Refer to their privacy policies for details. 10. Retention of Personal Data We retain your personal data as necessary for business purposes or legal requirements. Once no longer needed, we will take steps to delete or anonymize it. 11. Your Rights You have rights regarding your personal data, including:

• Access and correction
• Erasure or restriction of processing
• Data portability
• Complaints to a data protection authority

To exercise these rights, please contact us as detailed below. 12. Contact Us For any questions or to exercise your rights under this Privacy Policy, please contact us at [email protected].