服务条款

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of the SNF Capital Sdn Bhd (“SNF Capital”, “we”, “us”) website located at snf-capital.com (the “Site”) and any related loan application services. By using the Site or submitting an application, you agree to be bound by these Terms and by our Privacy Policy.

2. About SNF Capital

SNF Capital (Business Registration No. 0221521H / 199101011209) is a licensed moneylender under Malaysia’s Moneylenders Act 1951. You may verify our licensing status via the official KPKT (Kementerian Perumahan dan Kerajaan Tempatan) registry.

• Business address: 07-02, 7th Lingkaran Cyber Point Timur, Cyber 12, 63000 Cyberjaya, Selangor Darul Ehsan.
• Official email: applicationssnfcapital@gmail.com

3. Eligibility

Loans are offered exclusively to businesses that are (a) registered with the Companies Commission of Malaysia (SSM), (b) actively operating in Malaysia for a minimum of six (6) months, (c) able to demonstrate satisfactory business banking history, and (d) whose authorised representative is at least 18 years old. Personal loans are not offered through this Site.

4. Application & Approval

Submission of an application through the Site does not constitute a loan approval, offer, or guarantee of any facility. All applications are subject to internal credit assessment, document verification, and compliance checks. Where an offer is made, the applicable interest rate, fees, tenure, security requirements, insurance requirements (if any) and total repayment amount will be disclosed in writing in a formal offer letter (surat tawaran) prior to signing.

Loan amounts range from RM 5,000 to RM 1,000,000, with tenures from 6 to 108 months. Actual approved amounts and terms depend on your business profile and creditworthiness.

5. Fees, Interest & Zero Upfront Charges

Interest rates and permissible fees are set in strict compliance with the Moneylenders Act 1951 and applicable KPKT guidelines. All charges are fully disclosed in the written offer letter before you sign.

SNF Capital does not charge any upfront fees before loan disbursement. We do not request “processing fees”, “insurance deposits”, “stamping fees”, or any other payment prior to disbursement. We do not request payment via personal bank accounts, e-wallets, or cryptocurrency. Any person who demands upfront payment on our behalf is not authorised — please report such incidents to us and the police immediately.

6. Cooling-Off Period

You may withdraw a signed loan agreement without penalty within any statutory cooling-off period provided under Malaysian law. To exercise this right, notify us in writing at applicationssnfcapital@gmail.com within the prescribed period. If funds have already been disbursed, they must be returned in full together with any pro-rated charges permitted by law.

7. How We Communicate

Formal offer letters and loan documents are always issued in writing via email. Our licensed officers may also follow up by phone or messaging apps to clarify details or arrange signing appointments. If you are ever unsure whether a person contacting you is authorised by SNF Capital, verify by emailing us directly at applicationssnfcapital@gmail.com before sharing any personal data or making any payment.

8. Anti-Fraud & Impersonation Warning

SNF Capital will never:

• ask you to transfer money to any personal or third-party account;
• request payment through gift cards, cryptocurrency, or e-wallets;
• promise guaranteed approval before assessment;
• issue loan agreements without a signed written offer letter;
• call from unofficial numbers claiming to expedite approval for a fee.

If you encounter any such approach in our name, do not proceed and report it to us immediately. You may also report suspected moneylender fraud to KPKT or the Royal Malaysian Police (PDRM).

9. Prohibited Use

You agree not to submit false information, forged documents, or apply on behalf of a third party without written authorisation. Fraudulent applications may be reported to KPKT, LHDN, and the Royal Malaysian Police (PDRM), and may result in permanent blacklisting.

10. Intellectual Property

All content on this Site — including text, graphics, logos, layout and source code — is the property of SNF Capital and protected under Malaysian copyright and trademark law. Unauthorised copying, republishing or scraping is prohibited.

11. Limitation of Liability

To the maximum extent permitted by law, SNF Capital shall not be liable for any indirect, incidental, or consequential damages arising from use of this Site. The Site is provided on an “as is” basis. Loan calculator outputs are indicative only and do not constitute a binding quotation.

12. Complaints & Dispute Resolution

If you have a complaint about our service, please write to applicationssnfcapital@gmail.com with your reference number and a clear description of the issue. We will acknowledge within 3 business days and aim to resolve within 14 business days. Unresolved complaints may be escalated to the KPKT Moneylender Division or a Malaysian court of competent jurisdiction.

13. Governing Law & Jurisdiction

These Terms are governed by the laws of Malaysia. Any dispute shall be submitted to the exclusive jurisdiction of the Malaysian courts.

14. Changes to These Terms

We may update these Terms from time to time. The current version is always published on this page with the “Last updated” date at the top. Continued use of the Site after changes constitutes acceptance of the revised Terms.

15. Contact

Questions about these Terms may be sent to applicationssnfcapital@gmail.com or to our business office at 07-02, 7th Lingkaran Cyber Point Timur, Cyber 12, 63000 Cyberjaya, Selangor Darul Ehsan.

SNF Capital (0221521H / 199101011209). Licensed moneylender under Malaysia’s Moneylenders Act 1951. Borrow responsibly.