Terms of Service

By accessing kopit.com.my, applying for membership, or engaging with any of KOPIT's services or divisions, you accept these terms in full. If you don't agree, please don't use the site or our services.

These terms work alongside our Privacy Policy, KOPIT's cooperative bylaws, and any specific written agreements signed at the division or project level.

KOPIT — Koperasi Usahawan Informasi Teknologi Malaysia Berhad — is a registered cooperative under Suruhanjaya Koperasi Malaysia (SKM), governed by the Cooperative Societies Act 1993 and supporting regulations.

KOPIT operates seven divisions: Bijak AI (AI/IoT), Hijau Energy (renewables), Rantai Blockchain (distributed ledger), Wira Digital (ICT), Dana Sejahtera (treasury), Angkasa Build (drone/PropTech), and Arif Advisory (strategy/governance/workforce).

KOPIT operates two member tiers — each with distinct rights and obligations under our cooperative bylaws.

Detailed member rights, obligations, fee structure, and exit procedures are governed by KOPIT's cooperative bylaws registered with SKM under the Cooperative Societies Act 1993. By applying for membership, you agree to abide by these bylaws.

You may use kopit.com.my and our public services for legitimate, lawful purposes — including learning about KOPIT, applying for membership, contacting our divisions, and engaging with cooperative projects.

Member-only areas, project portals, and division-specific platforms are accessible only to authorised members under their respective access agreements.

The following activities are strictly prohibited:

• ①
  Automated scraping, mass-downloading, or extracting content from the site without written permission.
• ②
  Reverse-engineering, decompiling, or attempting to access non-public systems.
• ③
  Misrepresenting your identity, affiliation with KOPIT, or member status.
• ④
  Using KOPIT's name, logo, or division branding for unauthorised commercial purposes.
• ⑤
  Uploading malicious code, conducting penetration tests, or interfering with site availability.
• ⑥
  Harassment of KOPIT members, staff, or other visitors through any communication channel.

All content on this website — text, graphics, logos, division branding, photographs, code, and design elements — is owned by KOPIT or licensed to us, and protected under Malaysian copyright and trademark law.

The KOPIT name, the seven division names (Bijak AI, Hijau Energy, Rantai Blockchain, Wira Digital, Dana Sejahtera, Angkasa Build, Arif Advisory), and our visual identity are trademarks. You may not use them without written permission.

KOPIT is not a licensed financial institution under the Financial Services Act 2013 or Capital Markets and Services Act 2007. References to yields, returns, or financial performance are illustrative and historical — they do not guarantee future outcomes.

By becoming a KOPIT member, you accept the responsibilities outlined in our cooperative bylaws — including upholding cooperative principles, contributing in good faith to projects you join, and respecting fellow members.

Members are liable to KOPIT for losses caused by breach of bylaws, misrepresentation, or wilful misconduct, in accordance with the Cooperative Societies Act 1993.

To the maximum extent permitted by Malaysian law, KOPIT and its officers, directors, members, and employees are not liable for any indirect, incidental, consequential, or special damages arising from your use of this website or our services.

Our total liability for any direct claim is limited to the fees paid by you to KOPIT in the 12 months preceding the claim, or RM 1,000 — whichever is greater.

This limitation does not apply to liability that cannot be excluded by Malaysian law (e.g. fraud, gross negligence, statutory consumer rights).

These terms are governed by Malaysian law. Any dispute arising from these terms or your use of our services is resolved through binding arbitration at the Asian International Arbitration Centre (AIAC) in Kuala Lumpur, in accordance with AIAC Arbitration Rules.

Disputes between KOPIT and members regarding cooperative matters may also be referred to SKM in accordance with the Cooperative Societies Act 1993.

We may update these Terms of Service from time to time. Material changes will be communicated to members via email and notice on the website at least 14 days before taking effect.

Your continued use of our services after the effective date constitutes acceptance of the updated terms.

For questions about these terms, legal notices, or membership obligations, contact our legal team.