Terms & Conditions

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

"Sinar Adil" / "We" / "Us"

Sinar Adil, a legal advisory practice registered in Malaysia, with its principal office at Jalan Ampang 213, 50450 Kuala Lumpur.

"User" / "You"

Any individual who accesses our website or who engages our services for pension advisory purposes.

"Services"

The pension legal advisory services we offer, including consultation, claim representation, and the Comprehensive Protection Plan, as described on our website.

"Website"

Our website accessible at sinaradyjil.live and all associated pages.

"Agreement"

These Terms and Conditions together with our Privacy Policy and Cookie Policy, forming the complete agreement between you and us.

By accessing this website or submitting an enquiry, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, please refrain from using the website or engaging our services.

Our services are available to individuals aged 18 and above who have the legal capacity to enter into agreements. By engaging our services, you confirm that you meet these requirements.

Sinar Adil provides legal advisory services relating to pension matters in Malaysia. Our services include:

• Pension Consultation (RM 275): A structured review of your pension arrangements with a plain-language explanation of your entitlements and available options.
• Claim and Appeal Representation (RM 650): Handling of contested or delayed pension claims, including correspondence and representation before relevant authorities.
• Comprehensive Protection Plan (RM 1,480): A full service encompassing nominee documentation, record organisation, periodic reviews, and ongoing advisory access.

We aim to deliver services within Malaysia. Engagements involving pension matters governed by Malaysian law are our primary scope. Services are subject to availability and professional assessment of each matter.

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

• Provide accurate and complete information when submitting enquiries or engaging our services.
• Promptly inform us of any changes to information relevant to your pension matter.
• Use the website for lawful purposes only and not in a manner that infringes the rights of others.
• Refrain from attempting to gain unauthorised access to any portion of our website or systems.
• Not transmit any harmful, unlawful, or misleading content through our website or correspondence channels.
• Cooperate reasonably with our advisors and supply documents or information needed to progress your matter in a timely manner.

All content on this website — including text, design, layout, graphics, and documentation — remains the property of Sinar Adil or its content contributors and is protected by applicable copyright and intellectual property law.

You are granted a limited, non-exclusive, non-transferable licence to access and view website content for personal, non-commercial purposes related to evaluating or using our services.

You may not reproduce, distribute, modify, or commercially exploit any content from this website without our prior written consent.

Fees for our services are stated in Malaysian Ringgit (RM) and are confirmed at the time of engagement. Current indicative fees are:

• Payment terms and accepted methods will be confirmed prior to commencing work.
• Fees quoted cover the scope described in the selected service. Any additional work outside that scope will be discussed and agreed separately before proceeding.
• Refunds, if applicable, are considered on a case-by-case basis and are subject to the work completed at the point of any cancellation.

Our website is provided on an "as available" basis. While we maintain our content with care, we do not warrant that the website will be uninterrupted, free from errors, or that any information on it will be complete or current at all times.

General information published on this website is for educational and awareness purposes only. It does not constitute formal legal advice and should not be relied upon as such without a direct engagement with our advisory team.

Outcomes in pension matters depend on individual circumstances, applicable regulations, and authority decisions. We are not in a position to promise or predict specific outcomes on your behalf.

To the extent permitted under Malaysian law, Sinar Adil's liability to you in connection with any service shall not exceed the 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 use of our website or services, including lost data, lost income, or third-party claims, except where such liability cannot be excluded by law.

Nothing in these Terms limits our liability for fraud, wilful misconduct, or personal injury caused by our negligence.

Either party may terminate a service engagement by providing written notice. In such cases, fees for work completed to the point of termination remain payable.

We reserve the right to suspend or terminate access to our website for users who breach these Terms, without liability on our part. Provisions relating to intellectual property, disclaimers, and limitation of liability survive any termination.

These Terms and Conditions are governed by and construed in accordance with the laws of Malaysia. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Kuala Lumpur, Malaysia.

We encourage you to contact us directly in the first instance if any concern arises. We will do our best to address matters through open and respectful dialogue before any formal steps are considered.

We may update these Terms and Conditions from time to time. The revised version will be published on this page with an updated effective date. We recommend reviewing this page periodically.

Your continued use of the website or services following any revisions constitutes your acceptance of the updated Terms. If a material change is made that affects ongoing engagements, we will notify you directly.