Loan Term of Use

User Term of Use

The following terms and conditions apply to all visitors and users of this website, platform and services provided by HariWang powered by Peopleperks International Sdn Bhd. Our registered Mobile Application, our Website (www.hariwang.com.my) and the information and services offered on these platforms to you are subject to the following Terms of Use. The Mobile application and the Website will collectively be called the “Platforms”. You are bound by these Terms of Use by accessing or using our Platforms or Services.
Important – Please read these Terms and Conditions before using this Service. By continuing to use the Service (as defined below), you agreed to the Terms and Conditions and you agree that these Terms and Conditions shall be legacy binding Upon you so as long as you are using the Service. By using the Service, you acknowledge, confirm and undertake that you have read and fully understood these Terms and Conditions prior to your access to and use of the Platforms and Service. You must immediately cease your use of our Platforms and Services, if you do not agree with the Terms of Use at any time your access.

1. Description of our services

Overview of Our Services

HariWang powered by Peopleperks International Sdn Bhd which an online digital platform that offers credit advance or micro financing loans to private employees and government servants. We work with partners to provide loan platforms to the needy. We are not a bank, but a fintech platform developed to cooperate with Financial Institutions, Cooperative bodies and Money Lending Companies licensed and regulated by KPKT to advertise their loan products.
HariWang is not a lender; we do not make loans or credit decisions, and we do not own or control the financing facilities we market to you. We review the information that you provide to us and if you meet certain requirements, we then refer you to Financing Providers who we believe are most likely to provide you with a loan based on our assessment of your information. If you decide to obtain the financing, you will enter into a separate agreement with the Financing Providers and not with us. We do not control and are not responsible for the actions or inactions of the Financing Providers. You are under no obligation to use our Services to initiate contact or take a loan with any of the Financing Providers.
Nothing in this Terms of Use shall be construed as creating a partnership or joint venture of any kind between you and us, or as constituting either party as the agent of the other party for any purpose whatsoever and neither party shall have the authority or power to bind the other party or to contract in the name of or create a liability against the other party in any way or for any purpose.

User Eligibility

The Platforms and Services are available to all eligible users who are employees employed by participating employers under HariWang.

Security of Your Information

Once we have received your information, we will use strict procedures and security features by applying appropriate safeguards to protect your information, prevent loss and unauthorized access. However, we expect you to take full responsibility to protect your personal and account information

on your end that is within your control and custody, to your best ability. You are expected to use secure connections when using our platforms and we shall not be held liable for any loss or issues faced due to an insecure connection. You are also expected to take full responsibility for your login details and, thus, agree to regularly change your password to ensure security.

Fraudulent Activity

HariWang reserves the right to terminate, delay, or suspend your access to and use of our platforms if we believe there has been fraudulent or suspicious activity related to your HariWang Account.

2. Your Electronic Digital Consent and Rights

HariWang conducts its service using electronic and digital platform means and by agreeing to these terms, you acknowledge that the services are and will be provided through electronic and digital means, such as electronic or digital transactions and communication.
You acknowledge these terms and given your consent of use allows HariWang to collect relevant data (such as Name, Identification number, H/P No., Email, Employment Detail, Bank account details, Attendance data) from your employer that will be used by HariWang to provide its services and process transactions (refer privacy policy). You acknowledge that this consent is given immediately on your first sign up, onboarding and login to the application.

You further acknowledge that you signify your consent to be bound by any and all agreements, terms and conditions, and contracts in your transactions with HariWang by clicking on the “Agree” or similar button while you are logged into our platform. You agree that these agreements, terms and conditions, and contracts are binding upon you in the same manner as if you physically affixed your signature thereon.

3. Copy Rights

HariWang powered by Peopleperks International Sdn Bhd owns all the rights to the website, mobile software used by the Platforms and the copyrights to the Platforms’ contents. You are prohibited to copy, use, publish, promote, integrate, or combine our software, content, or brand without our express written permission to do so. Any unlawful use or any illegal action will constitute a violation against our intellectual property and copyrights.

4. Liability and Indemnity

The parties, user of this platform acknowledge that the service provider ‘HariWang’ shall not be held liable or claim for any loss, damage, liability or expense incurred or suffered due to unauthorised access to the Customer’s account, delays on the use of our Platforms, fraudulent activities or any factors beyond our control which are claimed to result from the use of our Platforms, under no circumstances.
The parties, user and customer must indemnify and keep the service provider indemnified against all Claims arising out of, or in connection with the parties, user and customer breaching this Agreement. All parties, user and customer who use our services and Platforms is at your sole risk.

5. Disclaimer

Materials provided in this Platform by HariWang are provided “as is” without warranty of any kind, either express or implied. We specifically do not make any warranties or representations as to the accuracy or completeness of any such materials.
HariWang reserve right to periodically modify or update the materials from time to time on this Platform without prior notice and your continued use of this Platform is deemed to be your acceptance of the modified terms and conditions.

6. Languages

This Agreement is drafted in the English language. If this Agreement is translated into any other language, the English language version shall prevail. Any notice given under or in connection with this Agreement shall be in the English language.