Terms of Services

• 1.1. Access to this website and the Programme is always subject to Lyndung's Programme Guidelines and all applicable laws, regulations, and statutes of Malaysia.
• 1.2. The content of this website is not an invitation to a contract. Members will receive a legally binding and enforceable agreement upon signing up for the Programme.
• 1.3. This website's content is not intended for dissemination or use in any jurisdiction or country where doing so would be illegal or contrary to regulation, unless Lyndung has provided prior written consent.
• 1.4. By using this website, you agree not to abuse or misuse it or the Programme in any manner, including assisting unauthorised access, hacking, or interfering with other users' access and use.
• 1.5. This Programme applies the Wakalah (Agency) concept. By accepting these Terms of Services, you agree to appoint Lyndung to act on your behalf to invest and manage the fund.

• 2.1. Lyndung makes no warranties or claims regarding the accuracy, adequacy, or completeness of the content on this website, although we will take necessary steps to maintain accuracy. Your use of information on this website remains at your own risk.
• 2.2. Lyndung may provide links to external websites outside our control that have been checked by us. We make no representations or warranties and accept no liability or responsibility for the content, opinions, products, or services on those websites. Accessing them is at your own risk.
• 2.3. Lyndung does not guarantee that this website or any content is free from viruses or malware, and we are not liable for your access to the website or any downloads from it.
• 2.4. Lyndung shall not be liable for any damages, losses, or causes of action exceeding the amount paid by you for or during access to the website or apps, except to the extent allowed by relevant regulation in the Programme Guidelines and Members Manual, including cases involving Lyndung misconduct, negligence, or breach of specified terms that results in those damages or losses.

This website and the Programme are owned and administered by Lyndung. All trademarks, copyrights, logos, and other intellectual assets featured on this website are the property of Lyndung Sdn. Bhd. Their use, downloading, duplication, or alteration is restricted to personal use only, and all copyright notices must remain unchanged on any content used.

Links and third-party content are provided for convenience and information only. Websites operated by third parties are not under Lyndung's control, and their content or opinions do not represent Lyndung as an organisation.

These links are not endorsements, invitations, offers, or advertisements for the linked websites. If you browse or use those links, you do so at your own risk, and Lyndung is not responsible for any related damages.

• 5.1. Sharing Contributions made by members are regarded as Tabarru' and are used for mutual aid and assistance among fellow members.
• 5.2. Lyndung membership fees are separated into monthly and annual categories. These fees are utilised as Wakalah fees to cover management expenses and expenses incurred during the hospitalisation process, including Third Party Administrator (TPA) services and eKYC.
• 5.3. Each member is responsible for all costs associated with Lyndung Community Sharing Contributions, including gateway fees and any applicable taxes imposed by the Government of Malaysia, such as Government Service Tax.
• 5.4. Lyndung reserves the right to amend the Annual Membership Fee and/or impose additional fees, such as payment gateway fees, where Lyndung considers them fit, necessary, and reasonable. Any amendment will be communicated before it is imposed and remains subject to mutual consent by both parties.
• 5.5. Membership fees are imposed based on the Wakalah bil Ujrah principle, whereby members appoint Lyndung as their agent to manage the Sharing Contribution Pool and Lyndung earns membership fees based on services rendered.