Terms & Conditions



Please take a moment to read these terms and conditions carefully.

The following terms and conditions apply to your access and the use of this website and the services provided herein by Takaful IKHLAS by accessing any page of this website and/or using the services, you agree to bound by these and conditions without limitation or qualification.

If you do not accept these terms and conditoins, please immediately discontinue your access to this website and/or use of the services.


Takaful IKHLAS (593075-U) currently provides its customers access to a rich collection of information and materials on financial products and services of Takaful IKHLAS as is made available only in Malaysia.

All the products and services of Takaful IKHLAS are subject to the terms, conditions, rules or regulations of the applicable agreement governing their use. These terms are to be read by you together with such other terms, conditions, rules or regulations. In the event of any conflict, the terms, conditions, rules or regulations applicable to the specific products or services shall prevail over these terms.

The contents of this website are merely for informational purposes only and are subject to change at the discretion of Takaful IKHLAS.



Links from or to websites outside this website are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of Takaful IKHLAS. Therefore Takaful IKHLAS shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Furthermore, the links provided in this website shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and Takaful IKHLAS will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements (if any) of any websites which are linked to this website.



Copyright in the information contained in this site subsists under the Copyright Act and, through international treaties, the laws of many other countries. It is owned by Takaful IKHLAS unless otherwise stated. Customers may download a single copy of a document and, where necessary for its use as a reference, or make a single hard copy. Except as permitted under the Copyright Act or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of Takaful IKHLAS.



All trade marks, service marks, and logos displayed in this website are the property of Takaful IKHLAS and/or their respective third party proprietors as identified in the website.

Unless the prior written consent of Takaful IKHLAS or the relevant third party proprietor of any of the trade marks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trade marks, services marks or logos.

Similarly, unless the prior written consent of Takaful IKHLAS or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to the Takaful IKHLAS’s website or any other site.


Exclusion of Liability

Takaful IKHLAS and/or its partner herein shall in no event be liable for any loss or damages howsoever arising wether in contract, tort, negligence, strict liability or any other basis, including witout limitation, direct or in direct, special, incidental, consequential or punitive damages, or loss profits, or savings arising in connecton with your access or use or the inability to access or use this website (or any third party link to or from Takaful IKHLAS's website, reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, ommission, delay in operation, computer viruses, or otherwise. This exclusion clause shall take effect to the fullest extent permitted by law.



You hereby agree to indemnify and keep fully indemnified Takaful IKHLAS, its employees, agents, co-branders and affiliates against any action, claim, demand, expenses (including legal fees on a full indemnity basis) suffered or incurred by Takaful IKHLAS arising from any use or misuse of the Content on this Website and other websites linked to this Website and the services provided therein; breach or non-observance of the Terms; and infringement of rights of any third party in conjunction with your use or access to this Website.



Takaful IKHLAS reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, Takaful IKHLAS may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of Takaful IKHLAS, of any other user, or of any third party.


Governing Law and Jurisdiction

Materials, information, takaful products and services provided and offered on this Website are strictly made available for use and/or access of Takaful IKHLAS 's customers in Malaysia and shall not be construed as having been made available outside Malaysia.

This agreement shall be governed by and construed in accordance with the laws of Malaysia. By accessing this Website and/or using the services offered through this Website, you hereby consent to submit to the exclusive jurisdiction of the courts in Malaysia.