Terms & Conditions
Last Updated: 20 January 2026
Welcome to syedmohdmuhaimin.com and abanginsuran.com (“Website”). By accessing and using this Website, you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of this Website.
1. Business Information
This Website is operated by Syed Mohd Muhaimin (“we”, “us”, “our”). We provide insurance-related services, financial consultation, and online payment facilitation through authorised third-party payment gateways.
2. Services
Our services may include but are not limited to:
- Insurance advisory and agency services
- Online applications, enquiries, and digital submissions
- Payment collection for insurance-related products and services
All services are subject to approval and terms imposed by the respective insurers and service providers.
3. Payments
Payments made through this Website are processed securely via ToyyibPay or other authorised payment gateways.
By making a payment, you confirm that all information provided is accurate and complete. Payments are deemed final once successfully processed. We do not store customers’ card or banking details.
4. Pricing & Fees
All prices, premiums, contributions, and service fees displayed are subject to change without prior notice. Final pricing is subject to confirmation by the respective insurer or service provider.
5. Refund & Cancellation Policy
Unless stated otherwise, payments made are non-refundable once services have commenced. Any refunds, if applicable, are subject to the terms and approval of the insurer or service provider. Transaction or administrative fees may not be refundable.
6. User Responsibilities
You agree not to:
- Provide false, misleading, or inaccurate information
- Use the Website for unlawful or fraudulent activities
- Attempt to disrupt, misuse, or compromise the Website’s systems
7. Intellectual Property
All content on this Website, including text, graphics, logos, and branding, is owned by or licensed to us. Unauthorised use or reproduction is strictly prohibited.
8. Limitation of Liability
We shall not be liable for any loss or damage arising from the use or inability to use this Website, including delays, interruptions, or third-party service failures. All services are provided on an “as is” basis.
9. Third-Party Links
This Website may contain links to third-party websites. We are not responsible for the content, policies, or practices of such websites.
10. Privacy
Personal data collected through this Website is handled in accordance with applicable data protection laws and our Privacy Policy.
11. Changes to Terms
We reserve the right to update or amend these Terms & Conditions at any time without prior notice. Continued use of the Website constitutes acceptance of the revised terms.
12. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of Malaysia.
13. Contact Information
For enquiries regarding these Terms & Conditions, please contact us via the contact information provided on this Website.