Please read the following terms and conditions carefully before engaging in any financial transactions with  Top 1 Capital Trading (WL4953/04/01-11/060325) as a licensed money lender in Malaysia. These terms and conditions outline the rights, responsibilities, and obligations of both parties involved.

License and Compliance:
a.  Top 1 Capital Trading operates as a licensed money lender under the laws and regulations of Malaysia.
b. We adhere to the rules and guidelines set forth by the Moneylenders Act 1951 and other applicable regulatory bodies.

Loan Eligibility:
a. Applicants must meet the eligibility criteria set by [ Top 1 Capital Trading] to qualify for a loan.
b. The eligibility requirements include age, employment status, creditworthiness, and other relevant factors as determined by our assessment process.

Loan Application and Approval:
a. Applicants are required to provide accurate and complete information during the loan application process.
b.  Top 1 Capital Trading reserves the right to verify the provided information through appropriate channels.
c. Loan approval is subject to the evaluation and discretion of  Top 1 Capital Trading, based on its internal policies and assessment procedures.

Loan Terms and Repayment:
a. The loan amount, interest rate, repayment period, and other terms will be clearly communicated and agreed upon before the loan disbursement.
b. Borrowers must adhere to the agreed-upon repayment schedule and ensure timely payment of instalments.
c. Late payments may incur additional charges, penalties, or fees as specified in the loan agreement.
d. If there are late payment incurred by you, IOI Capital Service has the rights to contact you via your hand phone, house phone, office phone or to give you a house or office visit at the address provided by you.

Loan Disbursement and Charges:
a. Loans will be disbursed in accordance with the agreed-upon terms and conditions.
b. Top 1 Capital Trading may charge processing fees, administrative fees, or other applicable charges as per the loan agreement.
c. The borrower is responsible for covering the expenses related to the preparation of the money lending agreement and other necessary costs associated with the loan. This includes the lodgement of a lien-holder caveat, stamp duties on the loan sum, and any fees associated with the services of a Commissioner for Oaths in connection with the loan agreement.

Prepayment and Early Settlement:
a. Borrowers have the option to make prepayments or settle the loan in full before the agreed-upon maturity date.
b. Any prepayment or early settlement may be subject to specific terms and conditions, including additional charges or fees.

Dispute Resolution:
a. In the event of any disputes or disagreements, both parties agree to seek an amicable resolution through negotiation and mutual understanding.
b. Any unresolved disputes may be subject to the jurisdiction of the appropriate courts in Malaysia.

Amendments and Modifications:
a.  Top 1 Capital Trading reserves the right to modify or amend these terms and conditions at any time.
b. Any changes will be communicated to borrowers through appropriate channels, and the updated terms and conditions will be made available.
By engaging in any loan transactions with  Top 1 Capital Trading, you acknowledge that you have read, understood, and agreed to abide by these terms and conditions. It is important to review and seek clarification on any aspects before proceeding with the loan application.