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- investment holding company set up TERMS & CONDITIONS (T&C) FOR ONLINE PAYMENT & SERVICE USE
Last updated: 13 Nov 2025
Welcome to PIT Mortgage Advisory Sdn Bhd (“PIT Mortgage Advisory”, “we”, “our”, or “us”). These Terms & Conditions govern your access and use of our website, online platforms, online payment system, advisory services, train
ing programs, and any related services provided by us. By accessing our website or making any payment to PIT Mortgage Advisory, you agree to be bound by these Terms & Conditions.
1. Nature of Services
PIT Mortgage Advisory is a service-based advisory company. We provide:
● Mortgage advisory and consultation
● Training programs and educational services
● Administrative and documentation assistance
We do not sell physical products. All payments made are for professional services, training, consultation, reports, or
administrative work only
2. No Guarantee of Loan Approval
PIT Mortgage Advisory provides advisory services based on documents and information
provided by the customer. We do not guarantee:
● Loan approval from any bank
● Turnaround time
● Approval or rejection outcome
● Changes in bank policy
All final decisions are made solely by the respective banks or financial institutions.
3. Accuracy of Information Provided by Customers
Customers agree that:
● All documents and information provided must be accurate, truthful, and up to date.
● PIT Mortgage Advisory is not responsible for delays caused by inaccurate, incomplete,
or false information.
● Additional documents requested must be provided promptly.
4. Payments & Fees
By making payment through our online platform:
1. You acknowledge that the payment is for advisory/services only.
2. All payments are non-transferable and non-exchangeable.
3. For services already delivered or partially delivered, payments are non-refundable.
4. Payment must be made in full before the service begins unless stated otherwise.
5. Online payments are processed via third-party secure payment gateways (e.g., Visa,
Mastercard, FPX).
6. PIT Mortgage Advisory is not responsible for technical issues arising from bank or
payment gateway downtime.
5. Refund Policy
Since we provide professional advisory, consultancy, and service-based work, refunds are
generally not applicable. Refunds will only be considered under specific situations:
● Duplicate payment
● Technical error resulting in overcharge
● Payment made but the service has not yet started
Refund approval is at PIT Mortgage Advisory’s sole discretion.
6. Service Delivery (Non-Product)
As PIT Mortgage Advisory does not sell or deliver physical goods:
● No shipping or delivery policy applies
● No physical items will be shipped
● Services are delivered digitally, online, or through advisory sessions
7. Intellectual Property & Copyright
All materials including:
● Training content
● Scripts and presentation materials
● Templates
● Systems and tools
● Reports
● Documents
● Website content
● Videos
● Advisory messages and resources
are the intellectual property of PIT Mortgage Advisory Sdn Bhd. You may not copy, distribute, publish, or reproduce any material without written permission.
8. Comments, Feedback, and Communication
Any feedback or communication submitted to us may be used for service improvement. Users agree not to submit unlawful, abusive, defamatory, or copyright-infringing content.
9. Limitation of Liability
PIT Mortgage Advisory is not liable for:
● Loan rejection or delay
● Financial losses due to bank decisions
● Changes in bank policies
● Errors caused by third-party systems or banks
● Technical failures on payment gateways or external sites
● Any losses caused by customer’s inaccurate information
● Acts of government, policy changes, or other external events
Our responsibility is limited strictly to the advisory work paid for.
10. Links to Third-Party Websites
Our platform may include links to external sites such as banks, insurers, or payment gateways. We are not responsible for:
● Content on third-party sites
● Data loss, fraud, or damages caused by external platforms
Access is at your own risk.
11. Inaccuracies & Updates
From time to time, information on our website or materials may contain:
● Typographical errors
● Outdated financial policies
● Inaccurate loan guideline updates
● Changes in bank regulations
We reserve the right to update or correct information without prior notice.
12. Termination of Access
PIT Mortgage Advisory may, at its discretion, terminate or suspend access to:
● Online platforms
● Training systems
● Client portals
● Advisory services
if you violate these Terms & Conditions.
13. Privacy & Data Protection
We comply with the Malaysian Personal Data Protection Act (PDPA) 2010. All customer information, documents, CCRIS/CTOS reports, and financial data are handled with
strict confidentiality and used only for advisory purposes.
14. Governing Law
These Terms & Conditions are governed by the laws of Malaysia. Any disputes shall be handled under Malaysian legal jurisdiction.
15. Confidentiality of Training & Advisory Information
All training content, advisory messages, WhatsApp communication, email correspondence,
voice notes, strategies, scripts, templates, and any information shared during training or
consultation sessions by PIT Mortgage Advisory are strictly private and confidential. Customers and trainees agree that:
1. You are not allowed to share, forward, distribute, screenshot, record, publish, or
disclose any training materials, messages, or content to any third party without written
consent.
2. All materials are for your personal and internal use only.
3. Breaching confidentiality may result in:
○ Immediate termination of services or training access
○ Legal action
○ Claims for financial damages
PIT Mortgage Advisory reserves full rights to protect its intellectual property, training resources,
and proprietary systems. Privacy Policy for PIT Mortgage Advisory (Malaysia PDPA Compliant)
Last Updated: 13 Nov 2025
PIT Mortgage Advisory (“we”, “our”, “us”) is committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.
1. What Personal Data We Collect
We may collect and process the following categories of personal data when you engage our services:
Personal Identifi cation
● Full name
● NRIC/Passport number
● Date of birth
● Gender
● Nationality
Contact Details
● Phone number
● Email address
● Home/business address
Financial & Loan-Related Information
● Income documents (payslips, bank statements, EA forms)
● Business fi nancials (if self-employed)
● CCRIS/CTOS reports
● Existing loan/commitment details
● Tax documents
Property Information
● SPA, valuation reports, loan application documents
● Property details (location, price, loan amount)
Other Information
● Communication records
● Documents voluntarily provided by you
2. How We Use Your Personal Data
We use your data for the following purposes:
Loan Advisory & Processing
● Assess loan eligibility
● Prepare loan assessments (DSR, NDI, credit profi ling)
● Submit or assist in submitting loan applications to banks
Customer Communication
● Provide updates on loan status
● Respond to enquiries and requests
Compliance Requirements
● Identity verifi cation
● Fraud prevention
● Regulatory reporting (if required by authorities)
Marketing (only with your consent)
● Educational materials
● Financial tips
● Promotions or service updates
You may opt-out at any time.
3. Disclosure of Your Personal Data
We do not sell your personal data to third parties. However, we may share data with the following parties when necessary:
● Banks and fi nancial institutions (for loan submission)
● Insurance/takaful partners (if you request insurance services)
● Legal fi rms (for property transaction matters)
● Our internal staff and processors for case handling
● Regulatory authorities (only when required by law)
We ensure all third parties comply with PDPA requirements.
4. Data Security
We take appropriate technical and organizational measures to safeguard your data, including:
● Secure storage systems
● Restricted staff access
● Encryption and password protection
● Regular system audits
5. Data Retention
We retain your personal data only as long as necessary:
● For providing services
● For legal and compliance purposes
● For resolving disputes
Upon your request, we will delete or anonymise your data where legally permissible.
6. Your Rights Under PDPA
You have the right to:
● Access your personal data
● Correct inaccurate data
● Withdraw consent
● Request deletion of data (when applicable)
● Limit processing of your data
Requests may require proof of identity.
7. Cookies & Website Tracking (If Applicable)
Our website may use cookies to:
● Improve user experience
● Analyse website traffi c
● Remember your preferences
You may disable cookies in your browser settings.
8. Third-Party Websites
Our platform may contain links to external websites. We are not responsible for the privacy practices of these sites. Please review their policies before providing any personal data.
9. Changes to This Policy
We may update this Privacy Policy from time to time to refl ect legal, technical, or operational changes. Updates will be posted on our website.
10. Contact Us
If you have questions, concerns, or requests about your personal data, please contact:
PIT Mortgage Advisory Sdn Bhd 📍 20B , Jalan Todak 2 , 13700 Seberang Perai, Bandar Sunway, Penang 📧 [email protected] 📞04-3137216
PIT Mortgage Advisory Sdn Bhd — Refund Policy
Effective Date: 13 November 2025
PIT Mortgage Advisory Sdn Bhd (“we”, “us”, “our”) provides training programs and advisory/consultation services. This Refund Policy outlines the conditions under which a customer may request a refund.
1. Training Session Refund Policy
1.1 Non-Refundable After Signup
All training session fees are strictly non-refundable once payment is made, regardless of
whether the training has started or not. This is because preparation work, materials, system access, and your training seat are
reserved immediately upon payment.
1.2 No Refund for These Situations
● Change of mind
● Personal schedule issues
● Unable to attend
● Request to postpone or reschedule
● Training not yet conducted
● Failure to utilise provided materials
All training fees remain non-refundable under all circumstances except payment errors stated
in Section 4.
2. Consultation Service Refund Policy
2.1 Refund Before Consultation Begins
A refund may be requested only if the consultation has NOT begun, meaning:
● No consultation session has been held
● No profile screening has been conducted
● No analysis has been performed
● No documents have been reviewed
● No advisory work has been initiated
If none of the above has started, the customer may cancel and request a refund.
2.2 Non-Refundable Once Work Has Started
Consultation fees are non-refundable once any part of the work begins, including:
● Consultation session already conducted
● Profile screening started
● Financial analysis or case evaluation started
● Documents reviewed
● Advisory materials or recommendations prepared or provided
● Case processing is in progress
Once work is in progress, cancellation requests will not qualify for refunds.
3. Work in Progress Definition
For clarity, “work in progress” includes but is not limited to:
● Reviewing customer information
● Evaluating income, commitments, property, or loan eligibility
● Internal team communication regarding the case
● Preparing reports, recommendations, or any advisory output
● Drafting personalised loan strategies
● Liaising with third parties on behalf of the customer
Once any of these steps begin, the service is considered delivered and cannot be refunded.
4. Refund Exceptions (Eligible for Refund)
Refunds will be approved only in the following cases:
4.1 Duplicate Payment
The customer accidentally made two or more payments for the same service.
4.2 Wrong Payment
The customer paid the wrong amount or paid for the wrong service.
4.3 Technical or System Error
If a system error results in being overcharged, the excess amount will be refunded. These refunds will be made via the original payment method used.
5. How Refunds Are Processed
● Approved refunds will be processed within 7–14 working days.
● Refunds will be issued to the original payment method only.
● Proof of payment may be required to validate the request.
6. Contact Information
For refund inquiries, please contact:
PIT Mortgage Advisory Sdn Bhd
📍 20B , Jalan Todak 2 , 13700 Seberang Perai, Bandar Sunway, Penang
📧 [email protected]
📞04-3137216
