User Terms & Conditions

Welcome to Jimat App, a digital platform owned and operated by FFM Mega Resources Sdn. Bhd. ("Company", "we", "our", or "us"). These User Terms & Conditions ("Terms") govern your access to and use of the Jimat App mobile application, website, products, and services (collectively referred to as the "Platform").

These Terms constitute a legally binding agreement between you ("User", "Customer", "you", or "your") and FFM Mega Resources Sdn. Bhd.

By creating an account, accessing, browsing, or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms, as well as our Privacy Policy, Refund & Cancellation Policy, Shipping & Fulfilment Policy, and any additional policies published on our website from time to time.

If you do not agree with these Terms, you should discontinue use of the Platform immediately.

1. About Jimat App

Jimat App is a digital commerce platform that enables users to browse, purchase, and receive selected products and services offered by participating merchants and suppliers. Depending on the services made available, the Platform may also provide promotional campaigns, cashback programmes, loyalty rewards, digital vouchers, and other value-added features.

Our mission is to provide customers throughout Malaysia with a secure, transparent, and convenient shopping experience while working closely with trusted merchants, logistics providers, financial institutions, payment service providers, and technology partners.

The services offered through Jimat App may evolve over time, and we reserve the right to introduce, modify, suspend, or discontinue any feature without prior notice where reasonably necessary.

2. Definitions

For the purpose of these Terms:

"Platform" refers collectively to the Jimat App mobile application, website, digital systems, and all related services operated by FFM Mega Resources Sdn. Bhd.

"User" means any individual or entity who accesses or uses the Platform.

"Customer" refers to a User who purchases products or services through the Platform.

"Merchant" means any authorised seller, supplier, retailer, distributor, or business participating on the Platform.

"Order" means a purchase request submitted by a Customer through the Platform.

"Content" includes all text, images, graphics, logos, software, videos, trademarks, product descriptions, and other materials available on the Platform.

"Business Day" means any day other than Saturdays, Sundays, or public holidays observed in Malaysia.

3. Acceptance of Terms

By using Jimat App, you confirm that:

You have the legal capacity to enter into a binding agreement.
All information provided by you is accurate and complete.
You will comply with all applicable laws and regulations of Malaysia.
You agree to these Terms and any future amendments published on our Platform.

If you are using the Platform on behalf of a company, organisation, or other legal entity, you represent that you have the authority to bind that entity to these Terms.

4. Eligibility

To register and use Jimat App, you must:

Be at least eighteen (18) years of age, or the age of majority under applicable Malaysian law.
Possess the legal capacity to enter into legally binding contracts.
Register using accurate and truthful information.
Not be prohibited from using the Platform under any applicable law or regulation.

Where accounts are created for minors under the supervision of parents or legal guardians, such use shall remain the responsibility of the parent or guardian.

5. User Account Registration

Certain features of Jimat App require users to create an account.

During registration, you may be required to provide information including but not limited to:

Full Name
Mobile Number
Email Address
Residential Address
Identification details where required
Payment information where applicable

You agree that all registration information submitted is accurate, complete, and kept up to date.

Providing false, misleading, or fraudulent information may result in suspension or termination of your account.

6. Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any authentication methods associated with your account.

You agree to:

Keep your login credentials confidential.
Not share your account with another person.
Log out after using shared devices.
Notify us immediately of any suspected unauthorised access.
Cooperate with any security verification process where reasonably requested.

FFM Mega Resources Sdn. Bhd. shall not be liable for losses arising from your failure to maintain appropriate account security.

7. Identity Verification

To protect customers, merchants, and payment systems, Jimat App may require identity verification before allowing access to certain services.

Verification may include:

Mobile number verification
Email verification
One-Time Password (OTP)
Government-issued identification
Selfie or biometric verification (where applicable)
Proof of address
Additional documentation required under applicable laws

Failure to complete verification may limit access to certain Platform features.

8. Acceptable Use

You agree to use Jimat App responsibly and only for lawful purposes.

You agree that you will not:

Violate any Malaysian law or regulation.
Submit false or misleading information.
Impersonate another individual or organisation.
Attempt to gain unauthorised access to our systems.
Interfere with the operation of the Platform.
Upload malicious software, viruses, or harmful code.
Attempt to manipulate pricing or promotions.
Engage in fraudulent transactions.
Use automated bots or scripts without our written permission.
Abuse customer support services.
Disrupt other users' enjoyment of the Platform.

We reserve the right to investigate suspected misuse and take appropriate action where necessary.

9. Prohibited Activities

The following activities are strictly prohibited:

Fraudulent purchases.
Money laundering.
Payment fraud.
Identity theft.
Creating multiple accounts for abuse of promotions.
Reselling promotional benefits without authorisation.
Circumventing Platform security measures.
Reverse engineering any part of the Platform.
Attempting to exploit technical vulnerabilities.
Uploading offensive, defamatory, obscene, or unlawful content.
Conduct that may damage the reputation of Jimat App or FFM Mega Resources Sdn. Bhd.

Violation of these Terms may result in immediate suspension or permanent termination of your account without prior notice.

10. Product Information

We make reasonable efforts to ensure that product descriptions, pricing, specifications, images, and availability are accurate.

However:

Product colours may vary due to display settings.
Product packaging may differ from images shown.
Product descriptions may occasionally contain typographical errors.
Availability may change without prior notice.

Where material errors occur, we reserve the right to correct such information and, where appropriate, cancel affected orders in accordance with our Refund & Cancellation Policy.

11. Pricing

All prices displayed on Jimat App are stated in Malaysian Ringgit (MYR) unless otherwise indicated.

Prices may include or exclude applicable taxes, service charges, or delivery fees depending on the product or service offered.

Prices remain subject to change without prior notice.

The price displayed at the time your order is confirmed shall generally be the applicable purchase price.

In the event of obvious pricing errors caused by technical or human error, we reserve the right to cancel affected orders and issue an appropriate refund.

12. Promotions, Discounts & Cashback

From time to time, Jimat App may offer promotional campaigns including:

Cashback programmes
Discount vouchers
Coupon codes
Loyalty rewards
Referral incentives
Seasonal promotions
Free shipping campaigns

Unless otherwise stated:

Promotions cannot be exchanged for cash.
Promotions cannot be transferred to another user.
Promotions cannot be combined unless expressly permitted.
Expired promotions will not be reinstated.
Abuse of promotional campaigns may result in disqualification.

Each promotional campaign is subject to its own specific terms and conditions.

13. Payment

Customers agree to pay all charges associated with their purchases.

Payments may be processed through authorised third-party payment service providers.

Accepted payment methods may include:

Debit Cards
Credit Cards
Online Banking
FPX
Digital Wallets
Other payment methods supported by the Platform

Payment authorisation does not constitute acceptance of an order. Orders are only confirmed after successful payment verification and acceptance by the Platform or participating merchant.

14. Payment Security

Protecting customer payment information is one of our highest priorities.

Jimat App does not intentionally store customers' full payment card details unless required for an authorised service and permitted by applicable laws and payment industry standards.

Payment transactions are processed using secure payment gateways and industry-recognised encryption technologies.

Customers should ensure that payment is made only through the official Jimat App platform and should never disclose their banking passwords, card PINs, CVV numbers, One-Time Passwords (OTP), or TAC codes to any third party.

If you suspect any unauthorised transaction or fraudulent activity relating to your account, you should immediately notify your financial institution and contact our Customer Service Team.

15. Order Acceptance

Submission of an order through Jimat App constitutes an offer to purchase the selected products or services.

An order shall only be deemed accepted after:

Successful payment verification;
Confirmation that the products or services are available; and
Acceptance by Jimat App or the participating merchant.

We reserve the right to reject or cancel any order where necessary, including situations involving suspected fraud, pricing errors, stock unavailability, payment verification issues, or violations of these Terms.

16. Orders

Once an order has been successfully placed, customers will receive an order confirmation through the Platform, email, SMS, or other communication channels made available by Jimat App.

An order confirmation acknowledges receipt of your order request but does not necessarily constitute final acceptance of the order. Acceptance remains subject to successful payment verification, product availability, merchant confirmation, fraud screening, and operational feasibility.

Customers are responsible for reviewing all order details before completing payment, including product selection, quantity, delivery address, contact information, and applicable charges.

Once an order has entered the processing or fulfilment stage, modifications may no longer be possible.

17. Order Cancellation

Customers may request cancellation of an order before it has been accepted for fulfilment.

Cancellation requests submitted after an order has been packed, dispatched, or handed over to a logistics provider may not be approved.

Jimat App reserves the right to cancel any order where necessary, including but not limited to:

Product unavailability.
Pricing errors.
Technical system errors.
Payment verification failure.
Suspected fraudulent activity.
Violation of these Terms.
Merchant operational issues.
Regulatory requirements.
Force majeure events.

Where payment has already been successfully received, any eligible refund shall be processed in accordance with our Refund & Cancellation Policy.

18. Product Availability

All products displayed on the Platform remain subject to availability.

Although we strive to maintain accurate inventory records, stock availability may occasionally change due to:

Simultaneous purchases.
Merchant inventory updates.
Warehouse discrepancies.
Supplier shortages.
Product recalls.
Manufacturing discontinuation.

Where a product becomes unavailable after an order has been placed, Jimat App may:

Offer an alternative product.
Remove the unavailable item from the order.
Cancel the affected item.
Process a full or partial refund where appropriate.

19. Shipping & Delivery

Delivery services are provided through participating merchants and authorised logistics partners.

Estimated delivery timelines are provided for guidance only and are not guaranteed.

Delivery time may vary due to:

Delivery destination.
Product availability.
Weather conditions.
Public holidays.
Courier operations.
Peak shopping periods.
Government restrictions.
Other unforeseen circumstances.

Customers are responsible for ensuring that delivery information provided is complete and accurate.

Risk of loss or damage generally transfers to the customer upon successful delivery to the designated address.

Further details are available in our Shipping & Fulfilment Policy.

20. Inspection of Goods

Customers are encouraged to inspect all products immediately upon delivery.

Any issues relating to:

Damaged products.
Missing products.
Incorrect items.
Incorrect quantity.
Defective goods.

should be reported to Customer Service as soon as reasonably practicable together with supporting photographs where applicable.

Failure to report issues within the applicable reporting period may affect the outcome of the investigation.

21. Returns & Refunds

Refunds and returns shall be governed by our Refund & Cancellation Policy.

Eligibility for refunds depends on the specific circumstances of each case.

Jimat App reserves the right to request supporting documentation before approving any refund request.

Approved refunds will normally be processed using the original payment method unless otherwise permitted by applicable law or payment provider requirements.

22. Promotional Campaigns

From time to time, Jimat App may organise promotional campaigns, cashback programmes, contests, lucky draws, referral programmes, discount vouchers, and loyalty rewards.

Participation in such campaigns is voluntary and subject to:

Campaign eligibility requirements.
Promotional terms.
Applicable laws.
Availability.

FFM Mega Resources Sdn. Bhd. reserves the right to:

Modify campaign rules.
End campaigns early.
Extend promotional periods.
Reject fraudulent claims.
Cancel rewards obtained through abuse of the Platform.

The Company's decision regarding promotional campaigns shall be final unless otherwise required by law.

23. User Reviews & Content

Customers may be permitted to submit:

Product reviews.
Ratings.
Comments.
Suggestions.
Feedback.
Images.
Videos.

By submitting such content, you represent that:

You own the content or possess the necessary rights.
The content is truthful.
The content does not infringe any third-party rights.
The content complies with applicable laws.

You grant FFM Mega Resources Sdn. Bhd. a non-exclusive, worldwide, royalty-free licence to use, reproduce, display, publish, distribute, and adapt such content for operational, promotional, marketing, quality improvement, and customer engagement purposes.

We reserve the right to remove any content that is unlawful, offensive, defamatory, misleading, or otherwise inappropriate.

24. Intellectual Property

Unless otherwise stated, all intellectual property rights relating to Jimat App remain the exclusive property of FFM Mega Resources Sdn. Bhd. or its licensors.

This includes but is not limited to:

Jimat App name.
Logos.
Trademarks.
Icons.
Website design.
Mobile application.
Software.
Source code.
Graphics.
Product catalogues.
Databases.
Written content.
Videos.
Images.
Marketing materials.

Nothing contained within the Platform grants any licence or ownership rights to users except for the limited right to access and use the Platform in accordance with these Terms.

Users shall not reproduce, copy, distribute, modify, reverse engineer, or commercially exploit any part of the Platform without prior written consent.

25. Third-Party Services

Certain services available through Jimat App may be provided by independent third parties, including:

Payment service providers.
Banks.
Digital wallet operators.
Logistics providers.
Merchants.
Technology providers.
Marketing partners.
Government agencies where applicable.

While we carefully select our partners, we do not control their independent operations.

Your interactions with third-party providers may be governed by their own terms and privacy policies.

FFM Mega Resources Sdn. Bhd. shall not be responsible for losses arising solely from the independent acts or omissions of third-party service providers, except where required by applicable law.

26. Privacy & Personal Data

Protecting customer information is one of our highest priorities.

Personal information collected through Jimat App will be processed in accordance with:

Personal Data Protection Act 2010 (PDPA).
Applicable Malaysian laws.
Our Privacy Policy.

Personal information may be collected for purposes including:

Account registration.
Identity verification.
Payment processing.
Fraud prevention.
Delivery fulfilment.
Customer support.
Legal compliance.
Service improvement.

Customers are encouraged to review our Privacy Policy for further information regarding the collection, storage, processing, and protection of personal information.

27. Electronic Communications

By using Jimat App, customers consent to receive communications electronically.

Such communications may include:

Order confirmations.
Payment notifications.
Delivery updates.
Account security alerts.
Promotional messages (where consent has been provided).
Service announcements.
Policy updates.
Customer support responses.

Electronic communications shall satisfy any legal requirement that communications be made in writing.

Customers remain responsible for maintaining accurate contact information within their accounts.

28. Account Suspension

To protect the Platform and its users, Jimat App reserves the right to temporarily suspend access to any account where there are reasonable grounds to believe that:

Fraudulent activity has occurred.
Account security has been compromised.
False information has been provided.
Multiple abusive accounts have been created.
Payment disputes are being investigated.
Applicable laws have been violated.
These Terms have been breached.

Where reasonably practicable, affected users may be notified of the suspension and, where appropriate, provided an opportunity to respond or remedy the issue.

29. Account Termination

Users may request closure of their account by contacting Customer Service, subject to verification and the completion of any outstanding transactions or legal obligations.

FFM Mega Resources Sdn. Bhd. may suspend or terminate accounts where users:

Commit fraud.
Abuse promotional campaigns.
Engage in unlawful conduct.
Infringe intellectual property rights.
Threaten the security or integrity of the Platform.
Repeatedly violate these Terms.

Termination of an account shall not affect any rights or obligations that arose prior to the date of termination, including outstanding payments, investigations, or legal claims.

30. Disclaimer of Warranties

Jimat App is provided on an "as is" and "as available" basis. While FFM Mega Resources Sdn. Bhd. strives to maintain a reliable, secure, and uninterrupted Platform, we do not warrant or guarantee that:

The Platform will always be available without interruption;
The Platform will always be free from errors, defects, bugs, or viruses;
All information displayed will always be complete, accurate, or current;
Every product or service offered by participating merchants will always be available;
The Platform will meet every user's specific requirements or expectations.

To the fullest extent permitted under applicable Malaysian law, all warranties not expressly stated in these Terms, whether express or implied, are excluded.

31. Limitation of Liability

To the maximum extent permitted by law, FFM Mega Resources Sdn. Bhd., its directors, officers, employees, affiliates, shareholders, contractors, technology providers, merchants, logistics partners, licensors, and authorised representatives shall not be liable for any indirect, incidental, special, exemplary, punitive, or consequential losses arising out of or in connection with the use of Jimat App.

This includes, but is not limited to:

Loss of profits;
Loss of business opportunities;
Loss of income;
Loss of anticipated savings;
Loss of goodwill;
Loss of data;
Business interruption;
Computer or device malfunction;
Delayed deliveries;
Payment gateway interruptions;
Network failures;
System downtime;
Merchant operational issues; or
Third-party service failures.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited under applicable law.

32. User Indemnity

You agree to indemnify, defend, and hold harmless FFM Mega Resources Sdn. Bhd., its directors, employees, officers, shareholders, affiliates, merchants, contractors, logistics partners, technology providers, and authorised representatives from and against any claims, actions, proceedings, liabilities, damages, costs, expenses, or losses (including reasonable legal fees) arising from or relating to:

Your breach of these Terms;
Your misuse of the Platform;
Your violation of any applicable law;
Your infringement of any third-party rights;
Fraudulent or unlawful activities conducted through your account; or
Any content submitted or uploaded by you.

This indemnity shall survive the termination or closure of your account.

33. Fraud Prevention

FFM Mega Resources Sdn. Bhd. is committed to maintaining a safe and trustworthy marketplace.

To protect customers, merchants, and payment systems, we reserve the right to investigate transactions that appear suspicious, unusual, or inconsistent with normal purchasing behaviour.

We may, where reasonably necessary:

Request additional identity verification;
Delay order processing while investigations are carried out;
Suspend or cancel transactions;
Reject payment attempts;
Freeze promotional rewards;
Suspend user accounts; or
Report suspected fraudulent activities to the relevant financial institutions, payment providers, or law enforcement authorities.

Users agree to cooperate fully with any legitimate fraud prevention or security investigations.

34. Compliance with Malaysian Laws

Users agree to comply with all applicable Malaysian laws, regulations, and governmental requirements while using Jimat App.

Users must not use the Platform for any activity that is unlawful, fraudulent, deceptive, or otherwise prohibited under Malaysian law.

Where legally required, FFM Mega Resources Sdn. Bhd. may cooperate with government authorities, regulatory agencies, courts, or law enforcement bodies by providing information relating to suspected unlawful activities.

35. Force Majeure

FFM Mega Resources Sdn. Bhd. shall not be responsible for any delay, interruption, suspension, or failure in performing its obligations where such failure results from events beyond our reasonable control.

These events may include, but are not limited to:

Natural disasters;
Floods;
Fires;
Earthquakes;
Storms;
Pandemics;
Epidemics;
Government restrictions;
Changes in law or regulation;
Industrial disputes or strikes;
War;
Civil unrest;
Terrorist acts;
National emergencies;
Internet outages;
Power failures;
Cybersecurity incidents;
Payment network disruptions;
Telecommunications failures; or
Logistics disruptions.

Where reasonably practicable, we will use commercially reasonable efforts to restore affected services as soon as possible.

36. Amendments to These Terms

FFM Mega Resources Sdn. Bhd. reserves the right to amend, revise, update, or replace these Terms at any time.

Updated versions will be published on our official website and, where appropriate, notified to users through the Platform or other communication channels.

Unless otherwise stated, revised Terms shall become effective immediately upon publication.

Continued use of Jimat App after such publication constitutes acceptance of the revised Terms.

Users are encouraged to review these Terms periodically.

37. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Malaysia.

All rights and obligations arising under these Terms shall be interpreted in accordance with applicable Malaysian legislation, including but not limited to laws relating to electronic commerce, consumer protection, personal data protection, and digital transactions.

38. Dispute Resolution

FFM Mega Resources Sdn. Bhd. values fair and amicable resolution of disputes.

If a dispute arises in connection with the use of Jimat App, customers are encouraged to first contact our Customer Service Team to seek an informal resolution.

Where a dispute cannot be resolved through discussion, the parties may pursue any rights or remedies available under applicable Malaysian law.

Nothing in these Terms prevents a consumer from exercising any statutory rights available under Malaysian legislation.

39. Severability

If any provision of these Terms is determined by a court or competent authority to be unlawful, invalid, or unenforceable, that provision shall be severed to the minimum extent necessary.

The remaining provisions shall continue in full force and effect.

40. Waiver

Failure by FFM Mega Resources Sdn. Bhd. to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision or any other provision at a later time.

Any waiver shall only be effective if made expressly in writing by an authorised representative of the Company.

41. Assignment

Users may not assign, transfer, or otherwise dispose of any rights or obligations under these Terms without the prior written consent of FFM Mega Resources Sdn. Bhd.

The Company may assign or transfer its rights and obligations under these Terms as part of a corporate restructuring, merger, acquisition, sale of assets, or other lawful business transaction.

42. Entire Agreement

These Terms, together with our Privacy Policy, Refund & Cancellation Policy, Shipping & Fulfilment Policy, and any other policies or notices published by FFM Mega Resources Sdn. Bhd., constitute the entire agreement between the Company and the User regarding the use of Jimat App.

They supersede any previous understandings, communications, or agreements relating to the same subject matter.

43. Survival

Any provisions of these Terms that by their nature are intended to survive termination shall continue to remain effective after termination of your account or cessation of your use of the Platform.

This includes, but is not limited to:

Payment obligations;
Intellectual property rights;
Confidentiality obligations;
Indemnity provisions;
Limitation of liability;
Dispute resolution; and
Governing law.

44. Language

These Terms may be made available in multiple languages for the convenience of users.

In the event of any inconsistency or conflict between different language versions, the English version shall prevail unless otherwise required by applicable Malaysian law.

Acknowledgement

By creating an account, accessing, or using Jimat App, you acknowledge that you have read, understood, and agreed to be bound by these User Terms & Conditions, together with all related policies published by FFM Mega Resources Sdn. Bhd.

Your continued use of the Platform signifies your ongoing acceptance of these Terms and any future amendments made in accordance with this Agreement.