Terms and Conditions

Last Updated: 8th February 2025

These Terms of Use (“Terms”) governs your use of the  website, located at Takafulhub.com, any mobile applications, and services (“Site”) provided by NMTech Marketing Resources (“” or “us” or “we” or “our”) having its registered office at Petaling Jaya, Malaysia.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE, DOWNLOADING, INSTALLING OR USING OUR MOBILE APPLICATION. BY ACCESSING, REGISTERING OR USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS, INCLUDING THE DISCLAIMERS SET FORTH BELOW AND THE PRIVACY POLICY. IF YOU ARE NOT WILLING TO BE BOUND BY THESE TERMS OF USE, INCLUDING THE DISCLAIMERS AND PRIVACY POLICY, YOU MAY NOT ACCESS OR USE THIS SITE OR DOWNLOD OUR MOBILE APPLICATION.

WE RESERVE THE RIGHT, AT OUR DISCRETION, TO MODIFY, ADD, OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME AND EACH SUCH CHANGE SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. PLEASE CHECK THESE TERMS PERIODICALLY FOR CHANGES. YOUR CONTINUED USE OF THIS SITE FOLLOWING THE POSTING OF CHANGES TO THESE TERMS WILL MEAN YOU ACCEPT THOSE CHANGES.

General Terms

Takafulhub.com provides this Site for users seeking takaful services (“Clients”) and for users offering takaful services (“Agents”), as well as any other entity like “Agencies” on whose behalf users accept these Terms. The terms “you,” “You,” “User,” or “Users” refer to Agents, Client, or any individual or entity (Agencies) that views, uses, accesses, browses, or submits any content or material to the Site. These Terms are effective upon acceptance and govern the relationship between you and us, including the provision of any Services on our Site. If the Terms conflict with any other document, policy, or content on our Site, the Terms will prevail for the purposes of Site usage. Any express waiver or failure to promptly exercise a right under the Terms will not establish a continuing waiver or any expectation of non-enforcement. If you disagree with the Terms and the Privacy Policy, please refrain from using our Site and exit immediately.

If any provision of the Terms is deemed invalid by any government law or regulation, or by any court or arbitrator, the parties agree that such provision will be replaced with a new provision that achieves the original business purpose. The remaining provisions of the Terms will remain fully effective.

Services

You are responsible for your actions and omissions. The Site serves solely as a platform to connect Clients and Agents. In the event of any disputes with other users, you release Takafulhub.com (including our subsidiaries, officers, directors, shareholders, employees, agents, joint ventures, consultants, successors, and assigns) from any and all claims, demands, and damages (actual and consequential) of all kinds and nature, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, arising from or related to such disputes. Agents, Clients, or representatives of Agencies, as independent contractors, control the methods, materials, and all aspects of lessons.

Our role is to assist Agents in finding suitable Clients and connecting with them. Our Site allows Clients to ask informational questions and receive consultations from Agents. Clients are responsible for choosing the right Agents or Agencies. When making hiring decisions, Clients should review and investigate each Agent’s self-reported credentials, experience, and reviews from other Clients. ALL CONSULTATION SESSIONS ARE CONDUCTED AT YOUR OWN RESPONSIBILITY AND RISK. TAKAFULHUB.COM IS NOT LIABLE FOR ANY CONSULTATION FAILURE OR FRAUDULENT ACTIONS BY AGENTS.

The information provided on Takafulhub.com regarding Agents, has been compiled by gathering data from our Agent Registration form. The provided details are for general information purposes only. We regularly check & update the data to ensure accuracy.

Takafulhub.com operates the Site from various locations and does not guarantee that the website is suitable or accessible for use in all locations. Takafulhub.com services might not be available in your location, and service availability could vary among locations. Additionally, Takafulhub.com will attempt to deliver all messages sent through the Site’s messaging system. However, we cannot guarantee the delivery of all messages..

Takafulhub.com reserves the right to withdraw or modify aspects of the Takafulhub.com service, or the entire service, for legal or commercial reasons. There might also be instances when the Takafulhub.com service becomes inaccessible due to technical difficulties faced by Takafulhub.com or on the Internet. Nevertheless, we will use reasonable skill and care to overcome such difficulties where possible.

Restricted Activities

You acknowledge and agree that Takafulhub.com’s services are intended solely to facilitate takaful objectives and not for any illegal purposes. You are prohibited from using the Site to hire Agents for illegal activities. Additionally, you are not allowed to use Takafulhub.com’s services for any purpose that violates the takaful honesty policy. You agree not to use the Site to:

  • Violate or encourage the violation of any local, state, national, or international law;
  • Stalk, harass, or harm another individual;
  • Collect or store personal data about other users of our Site;
  • Impersonate any person or entity or misrepresent your affiliation with a person or entity;
  • Interfere with or disrupt the Site, its services, or networks connected to the Site, or disobey any requirements, procedures, policies, or regulations of networks connected to the Site.
You also agree not to use the Site or Mobile Application to send messages that are unlawful, libelous, defamatory, abusive, sexually explicit, threatening, vulgar, obscene, profane, racially offensive, or otherwise objectionable, as determined by Takafulhub.com at its sole discretion.

Without our written consent, you may not:

  • Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site, the use of the Site, or access to the Site for any commercial purpose;
  • Allow, enable, or support the transmission of mass unsolicited commercial advertising or solicitations via email (spam);
  • Use high volume, automated, or electronic means (including robots, spiders, scripts, or other automated devices) to access the Site, monitor, or copy our Web pages or their content;
  • Deep link to the Site for any purpose; or;
  • Frame the Site, place pop-up windows over its pages, or otherwise alter the display of its pages.

Eligibility and Conduct

If you are a minor, under 18 years of age, you are not permitted to register as a User of the Website or engage in transactions on or through the Website. If you are below the age of 18, you may use the Site or Services only with the involvement and supervision of a parent or guardian who has agreed to the Terms. Parents or legal guardians of children under the age of 18 may use the Site or Services on behalf of the minor child. By using the Site or Services on behalf of a minor child, you affirm that you are the parent or legal guardian of that child. If you do not meet these eligibility requirements, please refrain from using the Site or Services. Membership in the Services is void where prohibited by applicable law, and access to the Site is revoked in such jurisdictions. By using the Site and/or the Services, you affirm that you possess the right, authority, and capacity to enter into these Terms and to adhere to all the terms and conditions herein. You agree to:.

  • provide accurate, current, and complete information about yourself as prompted by the registration form on the website ("Registration Data");
  • maintain the security of your password and identification;
  • promptly update the Registration Data and any other information provided to Takafulhub.com to ensure accuracy, currency, and completeness;
  • assume all risks associated with unauthorized access to information and Registration Data. For users accessing the Website from outside Malaysia, compliance with local laws, if applicable, is their responsibility.

You may submit feedback regarding your experiences with Agents or Agencies on our Site or Mobile Application, make inquiries concerning takaful needs, and participate in other interactive and community features of the Site (“Submitted Content”). Responsible behavior is crucial when providing Submitted Content. When giving feedback, provide clear, honest information about Agents or Agencies and your experiences. Refrain from using inappropriate language, gratuitous personal criticisms, comments, or information that could identify you. In other interactive or community aspects of the Service, avoid posting information that may identify you individually. Include relevant information concisely for helpful responses.

By submitting Submitted Content to us, you:

  • grant us a nonexclusive, royalty-free, perpetual, transferable, irrevocable, fully sublicensable right to use, reproduce, modify, adapt, translate, distribute, publish, create derivative works from, publicly display, and perform the Submitted Content worldwide in any media, without attribution;
  • grant us the right to take legal action against any party violating Your and/or our rights in Your Submitted Content;
  • waive any and all rights, including moral rights, in and to Your Submitted Content, including rights of attribution or identification as the author.

Submitted Content is non-confidential and lacks proprietary information. Except as stated in our Privacy Policy, we are not obligated to treat Submitted Content as confidential.

We will not be required to treat any of Your Submitted Content as confidential, and you acknowledge and agree that we may use in connection with our business any of the concepts and ideas contained in Submitted Content without compensation to you and we will not incur any liability to You as a result of any similarities between concepts and ideas contained in Submitted Content and our future operations and business. Except as otherwise set forth in this Terms, we will be entitled to use the Submitted Content for any commercial or other purpose whatsoever without compensation to You or any other person.

Regarding Submitted Content, you acknowledge, warrant, and agree that:

  • If Submitted Content concerns Agents or Agencies, it will be true and accurate, relate to the care or service received, not involve personal or professional relationships, and not impersonate anyone;
  • If you are an Agent or Agency submitting or editing Submitted Content, it will be accurate, specific to you, and your services;
  • If you are authorized to submit or edit Submitted Content about an Agent or Agency, it will be accurate, authorized, and related to that Agent or Agency and its services;
  • You will not violate copyrights, trademarks, patents, or other intellectual property rights, and Submitted Content will not include content or information that relates to any other person or entity;
  • Submitted Content will not break laws, infringe on others' rights, contain obscene, offensive, or harmful content, or promote illegal activity.

You are allowed only one Submitted Content per Agent, Agency, entity, procedure, or subject every thirty days.

We reserve the right to publish or remove your Submitted Content as deemed fit. We are not responsible for delays in removing Submitted Content.

We do not provide the content on the Site; users do. Agents or Agencies decide which questions to answer and are not Takafulhub.com’s employees or agents but independent service providers using the Site to share their expertise.

We are not part of conversations between users, do not endorse or recommend Agents or Agencies, and cannot guarantee the accuracy of content on the Site. We are not liable for Agents’ or Agencies’ actions, content, their ability to answer questions, or Clients’ payment capability.

Using the Site, you confirm that you meet and will continue to meet Eligibility Conditions:

  • compliance with all laws and regulations;
  • having the right, authority, and capacity to enter these Terms and abide by them;
  • neither you nor anyone in your household being subject to complaints, legal actions, or convictions for certain offenses;
  • neither you nor anyone in your household being out on bail or recognizance pending trial for certain offenses.

You understand and agree that Takafulhub.com may rely on your Eligibility Conditions representations as true. Takafulhub.com may revise Eligibility Conditions and require new conditions and certifications, which you must abide by or discontinue using the Site.

You authorize Takafulhub.com to verify the above representations and warranties, and you acknowledge Takafulhub.com’s right, but not obligation, to do so. Verification may include criminal background checks, identification verifications, credit checks, and public record use. You consent to any data collection, use, or disclosure necessary for verification. Takafulhub.com can take action at its discretion, including suspending or terminating your Site use for violation.

Notably, Takafulhub.com does not perform background checks on Clients and does not confirm the accuracy of User-provided information. You are responsible for your decisions regarding engagement with others, and background checks.

Takafulhub.com disclaims liability for controversies, claims, injuries, or damages arising from inaccuracies or misrepresentations in a User’s Eligibility Conditions.

Takafulhub.com reserves the right to remove objectionable content. To report issues, contact MyPrivateTutor at inquiry@takaful.online.

Fees & Refunds

Takafulhub.com reserves the right, at its sole discretion, to revise or alter the connect rates without prior notification. Refunds will be issued solely at the discretion of Takafulhub.com.

Third Party Reports

Takafulhub.com may engage third-party consumer reporting agencies for various tasks, including criminal background checks, sex offender registry checks, motor vehicle records checks, credit checks, and identification verifications (“consumer reports”). It’s important to note that Takafulhub.com neither endorses nor provides any guarantees regarding the reliability of such consumer reports or the accuracy, timeliness, or completeness of the information within these reports. Additionally, Takafulhub.com does not independently verify the information contained in consumer reports.

By using the Takafulhub.com platform, you give consent to Takafulhub.com for the collection, usage, and disclosure of information within the consumer reports. You understand and agree that Takafulhub.com reserves the right to review and rely on the information presented in consumer reports, at its sole discretion, to make decisions about suspending or terminating a User or investigating a complaint against a User. However, it’s important to acknowledge that Takafulhub.com shall not be held responsible or liable in any manner if the information within consumer reports, relating to any individual including Users, is found to be inaccurate, untimely, or incomplete. Individuals who are the subjects of consumer reports can contact the relevant service provider to dispute the accuracy, timeliness, or completeness of the information.

Takafulhub.com retains the right, at its sole discretion, to suspend and/or terminate a User based on information contained within consumer reports or any other reason as deemed appropriate by Takafulhub.com.

Confidentiality of Takafulhub.com Information

Through the Site, you may gain direct access to certain confidential information of Takafulhub.com and its affiliates. This includes, but is not limited to, technical, contractual, product, program, pricing, marketing, and other valuable information that should be reasonably recognized as confidential (“Confidential Information”). It is imperative that you treat Confidential Information with utmost confidentiality. All rights, title, and interests in the Confidential Information remain the property of Takafulhub.com and its affiliates.

The Terms do not place any obligation upon you regarding Confidential Information that you can substantiate through legally adequate evidence:

  • You had possession of before receiving it from Takafulhub.com, without any obligation to maintain its confidentiality;
  • Became publicly known without your involvement or violation of the Terms;
  • Was acquired from a third party with the right to disclose it, without an obligation to keep it confidential;
  • Was independently developed by you without using Confidential Information and without involving individuals who had access to it
  • Is disclosed pursuant to a valid court order or governmental mandate, as required by law, or to establish rights under these Terms, and after notifying Takafulhub.com sufficiently in advance to allow Takafulhub.com the opportunity to object to the disclosure.

Third Party Verification Services

Takafulhub.com may provide one or more third-party verification services, enabling Site Users to request information such as another User’s identity and criminal history. The use of these verification services is voluntary for both the requester and the party being verified. You acknowledge that Takafulhub.com assumes no responsibility or liability if any information provided by a third-party verification service proves to be inaccurate.

Advertisements and Promotions

Takafulhub.com may display advertisements and promotions from third parties on the Site. Any dealings, correspondence, or transactions with advertisers other than Takafulhub.com that are found on or through the Site, including payment, delivery of goods or services, and associated terms, conditions, warranties, or representations, are solely between you and the advertiser. Takafulhub.com holds no responsibility or liability for any loss or damage resulting from such dealings or the presence of non-Takafulhub.com advertisers on the Site.

Third Party Links

The inclusion of information, logos, links, or names of Agents, Agencies, or any other third-party entities on the Site does not imply an endorsement or warranty of their services, opinions, or products. You assume full responsibility for your decision to engage with or support any such entity and agree to hold Takafulhub.com harmless from any liability arising from such actions. Furthermore, you acknowledge that the formation of this Agreement or your participation on the Site does not establish any relationship, such as partnership, joint venture, or employment, between you and Takafulhub.com or between any User, including Agents, Agencies, or other third-party entities, and Takafulhub.com.

Takafulhub.com does not exercise control over information provided by Agents, Agencies, or other third-party entities or users, which you may find offensive, harmful, inaccurate, or misleading.

You are responsible for evaluating the accuracy, completeness, and usefulness of any opinions, answers, or other content available through the Site, from third parties, or obtained from linked sites. If needed, seek advice from professionals to evaluate specific opinions, answers, products, services, or other content.

 

Text Messages

We send various text messages for purposes such as new client messages, message reminders, job opportunities, and more (“Text Message Program”). Please note that standard data and messaging rates may apply for any text message notifications. For details, contact your mobile phone carrier.

Standard data and messaging rates from your mobile phone carrier may apply for messages sent from us to you and from you to us. If you have questions about your text or data plan, please reach out to your mobile phone carrier.

 

Contact Us

If you have any questions about this Terms and Conditions, you can contact us:

By email: inquiry@takaful.online

By phone number: +6012-9233908 (Whatsapp)