Refund,Return, Cancellation Policies

This Refund/Return/Cancellation Policy ("Policy") outlines the terms and conditions governing refunds, returns, and cancellations for products or
services provided by Koperasi CBL Malaysia Berhad ("Company"). By engaging in any transaction with the Company, you acknowledge and agree to abide by the terms of this Policy.
1. Refunds
1.1. Products: Refunds for products purchased from the Company will be considered provided the claim is made within seven (7) days from the date of purchase, subject to the following conditions:
a. The product must be returned in its original condition, unused, and undamaged.
b. The original sales receipt or proof of purchase must be provided.
c. Refunds will be processed using the original method of payment.

1.2. Services: Refunds for services provided by the Company will be considered provided the claim is made within seven (7) days from the date of purchase, subject to the following conditions:
a. The service must not have been fully rendered or utilized.
b. Requests for refunds must be made in writing to hello@cbl-malaysia.my within the specified timeframe.
c. Refunds will be processed using the original method of payment.

2. Returns
2.1. Products: Returns of products purchased from the Company will be considered provided the claim is made within seven (7) days from the date of purchase, subject to the following conditions:
a. The product must be returned in its original packaging, unused, and undamaged.
b. The original sales receipt or proof of purchase must be provided.
c. Return shipping costs are the responsibility of the customer, unless the return is due to a Company error or product defect.

3. Cancellations
3.1. Orders: Orders for products or services may be cancelled within 2 hours of placing the order, subject to the following conditions:
a. Cancellation requests must be made in writing to hello@cbl-malaysia.my within the specified timeframe.
b. Orders that have already been processed or shipped cannot be cancelled and will be subject to the applicable refund or return policy.

4. Exceptions
4.1. Customized or personalized products/services: Customized or personalized products/services may not be eligible for refunds, returns, or cancellations, unless due to a manufacturing defect or Company error.
4.2. Digital products or services: Digital products or services may have different refund, return, or cancellation policies, which will be specified at the time of purchase.
4.3. Third-party products or services: Third-party products or services sold or recommended by the Company may be subject to their own refund, return, or cancellation policies.

5. Contact Information
For inquiries regarding refunds, returns, or cancellations, please contact:

Address : Koperasi CBL Malaysia Berhad C12A-4, 4th Floor, Jalan Ampang Utama 1/1,, Ampang, 68000 Ampang Jaya, Selangor
Email : hello@cbl-malaysia.my

6. Modification of Policy The Company reserves the right to modify or amend this Policy at any time without prior notice. Any changes to this Policy will be effective immediately upon posting on the Company's website or other communication channels.

By engaging in any transaction with the Company, you acknowledge and agree to abide by the terms and conditions outlined in this Refund/Return/Cancellation Policy.

This document is considered legally binding upon both parties upon purchase or engagement with the Company's products or services.

Privacy Policy

1. Introduction
In compliance with the Personal Data Protection Act 2010 (“the Act”) and its regulations, this notice is issued to all valued clients and/or prospective
clients. This notice will inform you of your rights with regards to your personal data that has been and/or will be, collected and processed by us.

2. Collection of personal data
We have collected and will collect your personal data to be processed by us and/or your behalf in the course of your present or future dealings with
Koperasi CBL Malaysia Berhad, its subsidiaries, its associated companies (“we”, “our”, “us”, or “Company”). Your personal data enables us to achieve
the purposes herein that are in connection with our business.

3. Description of personal data
a. Name;
b. Full Name;
c. Identity Card no;
d. Gender;
e. Email address;
f. Mobile phone no.;
g. Passport no;
h. IP address
i. Bank Name
j. Bank Account Number
k. Images (still/recording)
l. Sensitive personal data; and any
m. Personally Identifiable Information (PII) defined by international privacy laws or standards
4. Purposes for collection of personal data Koperasi CBL Malaysia Berhad will use clients' personal data for the following purposes including but not limited to:

User Authentication and Identification
Service Customization and Personalization
Transactional Purposes
Communication and Support
Analytics and Improvements
Legal and Regulatory Compliance
Security and Fraud Prevention
Research and Development
Marketing and Advertising
Third-party Integration
5. Sources of personal data
Koperasi CBL Malaysia Berhad may obtain User's personal data from the following sources including but not limited to:

User Input
Transactional Data
Device Information
Cookies and Tracking Technologies
Social Media Integration
Third-party Data Providers
Publicly Available Information
Surveys and Feedback
Customer Support Interactions
Analytical Tools

6. Disclosure of personal data
We may disclose client's personal data to other subsidiaries within our group. These subsidiaries will treat clients personal data as confidential, in
accordance with this Privacy Policy and with all applicable Data Protection legislation and will process such personal data only for the Purposes
and within the terms set out herein. We are responsible for the personal data under our control, including personal data disclosed by us to a Vendor
(often referred to as the “data processor”). We take every measure
to provide a comparable level of protection for personal data should the
information be processed by a Vendor. Koperasi CBL Malaysia Berhad is committed to complying
with the Personal Data Protection Act 2010, in particular,
its policies as well as corresponding guidelines and orders.

7. Security of personal data
Koperasi CBL Malaysia Berhad uses strict procedures and security features to prevent unauthorized access wherever possible. Personal data provided to Koperasi CBL Malaysia Berhad via our website or via any Applications,
online credit card transactions are protected during transit using encryption
such as Transport Layer Security (TLS). When personal data is stored by Koperasi CBL Malaysia Berhad, we
use computer systems with limited access
housed in facilities using physical security measures. Data stored in cloud services is in encrypted form including when we utilize third-party storage. The level of security of personal data which kept in a non-electronic environment
are also treated with strict procedures and means.

8. Use of Cookies
The cookies used by the Website are solely associated to anonymous users and their computers and do not provide personal data on users. Some cookies are used by third parties to provide Koperasi CBL Malaysia Berhad with data on the effectiveness
of its engagement and promotions. The cookies used by the
Website not in any way collect personal data that could be used to identify a specific user.
In addition, cookies are of a temporary nature, used
solely to improve the efficiency of the last transmission. Users may configure their browser to notify them of the reception of cookies and to prevent their installation on their computer.

9. Transfer of Personal Data
We are very serious about providing a comparable level of protection for personal should the information be processed or used outside Malaysia by our vendors or experts.

10. Marketing and promotional purposes
Upon registering as our User, you will be receiving marketing and/or promotional emails or calls from us, which includes monthly promotions and
information on future events. If you do not wish
to receive any promotional news or calls please click the “unsubscribe” link at the bottom of the email and you will be excluded from our newsletter and contacts.

11. Data subject's obligations
It is necessary for Koperasi CBL Malaysia Berhad to collect and to retain client's personal data. Therefore, it is also obligatory for clients to supply
personal data to us in the most accurate manner.
If clients do not provide us with personal data, Koperasi CBL Malaysia Berhad are unable to, process personal data on clients' behalf, for the Purpose stated in clause 4 herein,
or effectively render our services to clients, and all
relationships created or to be created between us shall then be terminated and ceased to be in effect immediately.

12. The rights of data subject
a. To request access to personal data
b. To request correction of personal data
c. To limit processing of your personal data

13. Changes to Privacy Policy
We reserve the right to amend this Privacy Policy from time to time without prior notice. We advise that you check our website for the Privacy Policy on a regular basis. Kindly view our privacy notice on the website, cbl-malaysia.my.

14. Acknowledgement and Consent
By communicating, engaging with Koperasi CBL Malaysia Berhad or use the companys products and services, you acknowledge that you have read and understood this Notice and agree and consent to the use, processing, disclosure and transfer of your personal data by the Koperasi CBL Malaysia Berhad as described in this Notice. Any email Koperasi CBL Malaysia Berhad sends to you will contain an automated unsubscribe link so that you can opt-out of the mailing list. You can also withdraw your consent by written notice or fill in the form on the website.

15. Inquiries and complaints
Should you require further information about the personal data we hold or the way in which your information is being collected or used which are not answered by this Privacy Notice, please contact or write to us at:
Email: hello@cbl-malaysia.my

Terms and Conditions

1. Acceptance of Terms
1.1. By accessing or using cbl-malaysia.my, you agree to abide by these terms and conditions. If you do not agree with any part of these terms, please do not use our services.

2. Description of Services
2.1. cbl-malaysia.my provides casual and formal tournament matching for basketball players, including but not limited to individual and match statistics. Additional details about our services can be found on our website or app.

3. User Conduct
3.1. You agree to use cbl-malaysia.my responsibly and lawfully. This includes refraining from engaging in any activities that may violate our policies or infringe upon the rights of others.

4. Privacy Policy
4.1. Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and disclose your information when you use our services.

5. Intellectual Property
5.1. All content and materials provided through cbl-malaysia.my are protected by intellectual property rights. You may not use, reproduce, or distribute any of our content without prior authorization.

6. Termination
6.1. We reserve the right to terminate or suspend your access to cbl-malaysia.my at any time, without prior notice, for any reason or no reason at all.

7. Limitation of Liability
7.1. We are not liable for any damages or losses incurred as a result of your use of cbl-malaysia.my, including but not limited to indirect, incidental, or consequential damages.

8. Changes to Terms
8.1. We may update these terms from time to time. Any changes will be effective immediately upon posting on our website or app. Your continued use of cbl-malaysia.my after the changes indicates your acceptance of the updated terms.

9. Contact Information
9.1. If you have any questions or concerns about these terms, please contact us at hello@cbl-malaysia.my.

By using cbl-malaysia.my, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.