Terms & Conditions

01 — Definitions

Throughout these Terms, the following terms carry the meanings set out below:

02 — Acceptance of Terms

By accessing this website or submitting an enquiry, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not accept them, please do not use this website or engage our services.

Our services are available only to individuals aged 18 years and above who have the legal capacity to enter into a binding agreement under Malaysian law. By using this website, you confirm that you meet this requirement.

03 — Services

Cahaya Pencen provides legal advisory services in the area of pension and EPF-related matters within Malaysia. Our principal services are:

• —EPF Withdrawal & Account Closure Counsel — advisory guidance on partial or full EPF withdrawals, including timing, tax considerations, and implications for surviving family members.
• —Pension Appeal Hearings Representation — direct representation at pension appeal proceedings before relevant authorities.
• —Pension Trust & Beneficiary Structuring — legal structuring of beneficiary arrangements and related trust documentation.

The scope, deliverables, and timeline for each engagement will be set out in a separate service engagement letter issued prior to commencement of work. Services are delivered in Malaysia and are subject to Malaysian law.

04 — User Responsibilities

When using this website or engaging our services, you agree to:

• —Provide accurate, complete, and current information in all communications
• —Disclose all relevant circumstances relating to your matter without withholding material facts
• —Co-operate with our team in a timely and reasonable manner
• —Use this website only for lawful purposes and in a manner consistent with all applicable laws
• —Not attempt to access, interfere with, or disrupt the operation of this website or its underlying systems

Prohibited Activities

• ✕Submitting false, misleading, or fraudulent information
• ✕Impersonating another person or entity
• ✕Using automated tools to scrape, index, or harvest content from this website
• ✕Transmitting harmful code, viruses, or disruptive material

05 — Intellectual Property

All content on this website — including text, formatting, layout, and descriptive material — is the intellectual property of Cahaya Pencen or its licensors, and is protected under Malaysian copyright law.

You are granted a limited, non-exclusive, non-transferable licence to access and read this website for personal, non-commercial purposes. This licence does not permit you to:

• —Reproduce, republish, or distribute any content without our prior written consent
• —Use our name, logo, or branding in any manner that implies endorsement or affiliation
• —Create derivative works based on our content

Legal documents and written summaries prepared specifically for your matter remain your property once full payment has been received.

06 — Fees & Payment

Our service fees are stated in Malaysian Ringgit (MYR) and will be confirmed in writing before any engagement commences. The indicative fees listed on this website are subject to review and may be adjusted based on the complexity of your matter.

Payment terms: A deposit may be required upon engagement. The balance is payable upon completion of the service or at intervals agreed in your engagement letter. Accepted payment methods will be communicated at the time of engagement.

Refunds: Where an engagement is cancelled before substantive work has commenced, fees paid may be refunded at our discretion, less any reasonable administrative costs already incurred. No refund is available once substantive legal work has been performed.

All fees are inclusive of any applicable tax unless otherwise stated.

07 — Disclaimers

The information published on this website is provided for general informational purposes only. It does not constitute legal advice and should not be relied upon as such. Each pension or EPF matter is fact-specific, and outcomes cannot be predicted in advance.

The website is provided on an "as available" basis. We do not warrant that it will be uninterrupted, error-free, or free of technical deficiencies.

08 — Limitation of Liability

To the fullest extent permitted by Malaysian law, Cahaya Pencen's liability for any claim arising from our services shall not exceed the total fees paid by you for the specific service giving rise to the claim.

We are not liable for:

• —Indirect, consequential, or incidental losses arising from the use of our services or website
• —Decisions made by regulatory authorities, tribunals, or courts independent of our representation
• —Losses caused by inaccurate or incomplete information provided to us by you
• —Events outside our reasonable control, including acts of government, changes in law, or systemic disruptions

Nothing in these Terms excludes liability for fraud, wilful misconduct, or any liability that cannot lawfully be excluded.

09 — Confidentiality

We treat all information you share with us in connection with your matter as strictly confidential. We will not disclose your personal circumstances to third parties except as required to progress your matter (for example, submitting documentation to a pension authority) or as required by law.

This confidentiality obligation survives the conclusion of our engagement and applies to all members of our team who have handled your matter.

10 — Termination

By you: You may withdraw from an engagement at any time by written notice. Fees for work already completed are non-refundable. We will provide you with copies of documents prepared on your behalf upon settlement of any outstanding fees.

By us: We may cease to act for you if a conflict of interest arises, if you provide materially false information, if you fail to comply with reasonable instructions, or if continuing the engagement would require us to act contrary to our professional obligations. Reasonable notice will be provided where circumstances allow.

Provisions relating to confidentiality, intellectual property, liability, and governing law survive the termination of any engagement.

11 — Governing Law & Dispute Resolution

These Terms are governed by and shall be construed in accordance with the laws of Malaysia. Any dispute arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Before initiating formal proceedings, we encourage you to raise any concern with us directly at [email protected]. We will make reasonable efforts to address your concern informally within 14 days.

12 — General Provisions

13 — Changes to Terms

We may update these Terms from time to time. Revised Terms will be published on this page with an updated effective date. For material changes, we will post a notice on our website homepage. Your continued use of this website or our services following publication of changes constitutes your acceptance of the revised Terms.

14 — Contact

For any legal enquiries or questions about these Terms, please contact us: