This Referral Program (“Program”) is organized by Hong Leong MSIG Takaful Berhad (HLM Takaful).

Please read the entire terms and condition herein (“Terms and Conditions”) carefully. By participating in this Program, you are deemed to have:

1. a. Read and agreed to be bound by these Terms and Conditions, as well as the Notice on Personal Data and the Terms of Use, and any other applicable terms published at www.hlmtserv.com (the “Terms” and the “Website” respectively). For the avoidance of doubt, all capitalised terms used and not defined herein shall carry the same meaning as defined in the Terms;
2. Consented to the collection, use, handling, processing and disclosure of your personal information in accordance with the Notice on Personal Data available on the Website;
3. Acknowledged and agreed that HLM Takaful may, at its sole discretion, amend, modify or update the Terms and any related policies, procedures or rules at any time without prior notice. You agree to be bound by such changes; and
4. Agreed that HLM Takaful reserves the sole right to interpret, apply and disapply any part of the Terms and Conditions or related policies at its discretion.

Your participation in the Program is solely for the purpose of legally promoting HLM Takaful’s products and earning, in order to receive a referral fee for memberships and products subscriptions made by individuals referred through your website or personnel channels to the Website.

1. Definitions

2. Approval or Rejection of Application

1. To qualify as a Cyber Planner, you must be at least eighteen (18) years of age, and a Malaysian citizen. Applications will be evaluated in good faith and you will be notified of the outcome in a timely manner. We reserve the sole and absolute discretion to approve or reject any Cyber Planner Application without the need to provide reasons. You acknowledge that you shall have no legal recourse against us in the event of rejection.

3. Payments of Referral Fee

1. The Referral Fee will be paid monthly in stages, up to RM11 per account per year, directly to the Cyber Planner’s bank account as provided during the application or registration stage. It is the Cyber Planner’s responsibility to promptly update HLM Takaful of any changes to the bank account details to ensure accurate payment of Referral Fee.
2. i. Referral Fee Structure
3. 1. Subject to full compliance with these Terms and Conditions, the Referral Fee will be paid in 3 stages:
   • • RM2 after the 1st contribution
   • • RM4 after the 6th contribution
   • • RM5 after the 12th contribution
4. ii. Conditions for Payment
5. • • Referral Fees are only payable for Qualified Online Submissions successfully completed via a properly coded referral link or code. No Referral Fee will be paid for transactions that result in chargebacks or refunds, and if any such Referral Fee has already been paid, it shall be clawed back by HLM Takaful.
   1. Payment of the Referral Fee is subject to the Referred Customer’s ongoing monthly contribution received by HLM Takaful.
   2. If a customer subscribes to HLM Takaful Booster Plus via your referral link, then you will earn and receive Referral Fees for each HLM Takaful Booster Plus subscribed.

4. Term and Termination

1. The term of your participation in the Program shall commence upon our acceptance of your application to be a Cyber Planner and shall continue until terminated by either party (the “Term”). Either party may terminate participation in the Program at any time, with or without cause.
2. Your participation in the Program may be suspended for up to six (6) months or terminated immediately for any of the following reasons:
• i. Dissemination of inappropriate advertisements (false claims, misleading hyperlinks, etc.).
• ii. Engaging in spamming activities (mass email, mass newsgroup posting, etc.).
• iii. Advertising on platforms or sites containing or promoting illegal activities.
• iv. Violation of intellectual property rights. Cyber Planner shall not use the name and/or logo of HLM Takaful or any of its affiliates for any purpose without prior written consent. You shall indemnify HLM Takaful and its affiliates against any and all losses for any, claims, liabilities arising from the infringement of trademarks or any other intellectual property right arising out of your participation in the Program.
• v. Inactivity. To avoid termination from the Program, you must complete at least one (1) Qualified Online Submission within any six (6) month period.
• vi. In addition to the foregoing, HLM Takaful reserves the right to terminate any Cyber Planner’s participation at its sole discretion, without the need to provide any reason whatsoever.

5. Cyber Planner Links

1. Upon the approval of your application to become a Cyber Planner, we will provide a selection of official graphics and textual links (each referred to herein as a “Link” or collectively as the “Links”) for use in promoting our products and services. You may use these Links on your websites, email communications or via social media platforms.
2. You must only use the graphics and text provided by us. The creation of custom graphics or text is strictly prohibited.
3. We operate on a 45-day cookie window, meaning that if a visitor clicks your referral link and subscribes to an eligible product within 45 days, you will be credited for the referral.

6. Limitation of Liability

1. We shall not be liable for any indirect, special, incidental, or consequential damages, including but not limited to any loss of revenue, profits or data, arising from or in connection with the Program or these Terms and Conditions, even if we have been advised of the possibility of such damages. The aggregate liability of HLM Takaful under this Program shall not exceed the total Referral Fees paid to you during the three (3) months’ period immediately preceding the event giving rise to such liability.

7. Indemnification

1. As a Cyber Planner (the “Indemnifying Party”), you agree to indemnify and hold harmless HLM Takaful and each of its associates, officers, directors, employees, shareholders and partners (the “Indemnified Party”) from and against any and all losses, demands, claims, damages, costs, expenses (including without limitation consequential losses and loss of profit, reasonable legal costs and expenses thereon if applicable) and liabilities incurred or suffered, directly or indirectly, by the Indemnified Party in consequence of any breach, non-performance or non-observance by such Indemnifying Party of any of the obligations or warranties under the Program.

8. Confidentiality

1. All data and information related to the Program, including but not limited to, its policies and guidelines, marketing strategies, created content, commercial materials related to the Program, the payments and incentives structure of the Program (collectively, “Confidential Information”) are considered confidential and proprietary to HLM Takaful and must be treated with strict confidentiality. Exception to confidentiality include information that:
• i. is in the public domain at the time of disclosure or becomes generally known or available through publication, commercial use or other lawful means not attributable to HLM Takaful;
• ii. is approved for release by written authorisation of HLM Takaful
• iii. is disclosed pursuant to legal obligation or court order.

9. Governing Law

1. These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia. The parties agree to submit to the exclusive jurisdiction of the Malaysian courts.

10. Roles of Cyber Planner

1. As a Cyber Planner, you are responsible:
2. 1. To promote HLM Takaful’s products and services via your social media platforms, website or other messaging applications.
3. 2. To understand and be familiar with the marketing materials provided by HLM Takaful under the Program.
4. 3. To redirect all enquiries regarding any HLM Takaful product and the Program to HLM Takaful. You are not authorized to provide any advice or any information relating to any HLM Takaful product to anyone.

11. Modifications

1. HLM Takaful reserves the right to amend, modify or update these Terms and Conditions at any time. If any such modification to the Terms and Conditions is unacceptable to you, your sole remedy is to terminate your participation in the Program. Continued participation in the Program following any modification shall constitute your acceptance of the revised Terms and Conditions.
2. HLM Takaful further reserves its right and shall have the sole discretion to:
1. modify, alter or change the Program structure with or without prior notice; and
2. discontinue, terminate or suspend the Program whether wholly or partly at any time, with or without prior notice to you.

12. Anti-Bribery and Anti-Corruption

1. You acknowledge that HLM Takaful practices a zero-tolerance position towards any form of bribery and corruption, in line with Anti-Bribery and Anti-Corruption Policy (https://www.hlmtakaful.com.my/en/know-us/at-a-glance/corporate-governance.html#anti-corruption-policy) (“ABC Policy”) and the Malaysian Anti-Corruption Commission Act 2009 (“MACC Act”).
2. You shall, and shall cause your directors, officers, employees, contractors, agents and affiliates to, comply with HLM Takaful’s ABC Policy and all applicable anti-bribery and corruption laws and regulations (“Anti-Bribery Laws”).
3. You shall immediately notify HLM Takaful of any non-compliance or attempted non-compliance with HLM Takaful’s ABC Policy and/or Anti-Bribery Laws by any employee of HLM Takaful or any person associated with HLM Takaful. You may also report the same through HLM Takaful’s whistleblowing channel at (https://www.hlmtakaful.com.my/en/know-us/at-a-glance/corporate-governance.html#whistleblowing-policy).
4. If you are in non-compliance with or have breached HLM Takaful’s ABC Policy and/or Anti-Bribery Laws, HLM Takaful shall be entitled to terminate your participation in this Program with immediate effect and without prejudice to any other rights or remedies of HLM Takaful under this Program or applicable law.