KEY PLUS – Terms of Use

Services

Eligibility

By using KEY PLUS, you confirm that:

• You are at least 18 years of age.
• You are accessing this platform for lawful purposes only.
• The information you provide is accurate, complete, and current.
• You have the authority to act on behalf of any third party whose details you submit.
• You accept full responsibility for any transactions submitted on behalf of third parties. KEY PLUS accepts no liability for transactions submitted without the knowledge or consent of the vehicle owner or policyholder.

Licensed Intermediary & Policy Issuance

• All insurance and takaful products on KEY PLUS are distributed by a Licensed Intermediary appointed by the relevant insurer or takaful operator. Each Licensed Intermediary is a separate legal entity. Key Auto Sdn Bhd does not hold any insurance or takaful agency authorisation and does not act as an insurance or takaful intermediary.
• All policies and takaful certificates are issued under the agent code of the Licensed Intermediary appointed by the relevant insurer or takaful operator. Details of the specific Licensed Intermediary and insurer or takaful operator applicable to your transaction will be disclosed to you at the point of purchase, in accordance with the Regulatory Disclosure section below.

Appointed Insurers & Takaful Operators

The insurers and takaful operators currently appointed to each Licensed Intermediary are:

The Licensed Intermediary and the insurer or takaful operator applicable to your transaction are those disclosed to you at checkout, which prevail over this list. This list may be updated from time to time.

Payment

• Payment collected at checkout is a provisional amount pending final confirmation by the insurer or takaful operator. Your policy or takaful certificate will only be issued upon the insurer's final confirmation of the premium amount. The final premium or takaful contribution amount is determined and confirmed solely by the insurer or takaful operator, not by KEY PLUS.
• Premiums and takaful contributions are paid through a third-party payment gateway and settled directly to the Licensed Intermediary appointed by the insurer or takaful operator of the policy or takaful certificate you purchase, on behalf of that insurer or takaful operator. Each Licensed Intermediary receives settlement only for the products of the insurers and takaful operators that have appointed it. The collecting Licensed Intermediary and the insurer or takaful operator will be identified at checkout.
• Payments are processed via third-party payment gateways. KEY PLUS does not store your card or bank account details. KEY PLUS is not responsible for any failure, delay, or error caused by the payment gateway provider.
• Certain payment methods, such as instalment plans, buy-now-pay-later, and e-wallets, carry a payment processing fee (including the merchant discount rate charged by the payment gateway, bank, or e-wallet provider). This fee is passed on to you and will be shown as part of the total amount payable at checkout before you confirm payment. By completing payment, you agree to the total amount shown. KEY PLUS does not set the rate of this fee and is not responsible for the fee-setting practices of any payment gateway, bank, or e-wallet provider. Any discrepancy between the fee shown at checkout and the fee actually charged is handled under the Pricing, Quotation & Display Accuracy section below. This fee is non-refundable except as set out in the Cancellation & Refund section below.
• In the event that an insurer or takaful operator declines to issue a policy after payment has been collected, a full refund will be processed within 14 working days.
• In the event that KEY PLUS is unable to complete a transaction due to technical or operational reasons, a full refund of any amount collected will be processed within 14 working days.
• No additional charges will be made without your prior knowledge and agreement.

Pricing, Quotation & Display Accuracy

• All prices, premiums, road tax amounts, and add-on charges displayed on KEY PLUS are indicative and provisional only. The final premium or takaful contribution is determined solely by the relevant insurer or takaful operator, and the final road tax amount is determined solely by JPJ; KEY PLUS does not set, determine, or guarantee any of these amounts. Displayed figures are generated from information available at the time of quotation via automated calculation, third-party data sources (including insurer APIs and the prevailing JPJ fee schedule), or manual entry, and may occasionally contain errors or differ from the amount subsequently confirmed by the relevant insurer, takaful operator, or JPJ.
• Where a discrepancy is identified before your transaction is processed, KEY PLUS will notify you and you may elect to (a) pay the corrected amount, or (b) cancel the affected item for a full refund of that portion. KEY PLUS reserves the right not to process any transaction at a manifestly incorrect displayed amount. Errors identified after a transaction is completed are handled under the Cancellation & Refund section below. To the fullest extent permitted by Malaysian law, KEY PLUS is not liable for any loss, discrepancy, or dispute arising from a difference between the amount displayed on the platform and the amount confirmed by the relevant insurer, takaful operator, or JPJ, save that such a difference will be handled in accordance with this section and the Cancellation & Refund section below.
• If any information you provided — including postcode or vehicle details — changes after a quotation is generated, a new quotation may be required. This section applies to all pricing on KEY PLUS, including insurance and takaful premiums, road tax, and add-ons.

Cancellation & Refund

You may request cancellation of your policy or takaful certificate at any time during the period of insurance by contacting us at [email protected] or via WhatsApp at 011-6060 4666.

Where the confirmed premium is lower than the amount collected, the difference is refundable subject to the following:

• Amounts of RM1.00 and below will not be refunded and will be retained as an administrative handling fee.
• Amounts of more than RM1.00 will be refunded within 14 working days from the date our customer service team notifies you and your preferred refund method is confirmed. Where an alternative refund arrangement is discussed and agreed with our customer service team, the agreed arrangement will be applied. Refund processing timelines are subject to the processing schedule of the relevant payment gateway.
• If the confirmed premium is higher than the amount collected, our team will contact you via WhatsApp or email to inform you of the difference and your available options. You may choose to top up the difference to proceed with your policy, or cancel and receive a full refund of the amount collected. For differences of RM50 and below, KEY PLUS may absorb the amount at our discretion as a service gesture. No additional charges will be collected without your prior agreement.
• Where you choose to cancel before your policy is issued, a full refund of the amount collected will be processed within 14 working days, subject to the payment processing fee treatment set out below.
• In the event that KEY PLUS is unable to complete a transaction due to technical or operational reasons, a full refund of any amount collected will be processed within 14 working days.
• Where a refund arises from your own decision to cancel, the payment processing fee referred to in the Payment section above is not refunded and will be deducted from the amount returned to you, as KEY PLUS is unable to recover this fee from the payment gateway, bank, or e-wallet provider. This does not apply where the refund arises from an error by KEY PLUS or the insurer or takaful operator declining to issue the policy or takaful certificate, in which case the fee is refunded as part of the full amount under this section.
• Refund eligibility for policies already issued is subject to the cancellation and refund terms of the relevant insurer or takaful operator.

For the avoidance of doubt, the refund and top-up mechanisms in this section apply equally to discrepancies in road tax or add-on amounts arising from a pricing or quotation error under the Pricing, Quotation & Display Accuracy section above.

Regulatory Disclosure

KEY PLUS complies with applicable Bank Negara Malaysia requirements on product transparency and disclosure. Key information relating to your transaction will be clearly disclosed to you at the point of purchase before payment is completed, including details of the insurer or takaful operator and the Licensed Intermediary facilitating your transaction.

If you are not satisfied with how we have handled your transaction, you may lodge a complaint with us at [email protected]. Complaints relating to your insurance or takaful policy — including claims and premium disputes — may, if unresolved, be referred to the Financial Markets Ombudsman Service (FMOS) at www.fmos.org.my. Other consumer complaints may be referred to the Tribunal for Consumer Claims Malaysia.

User Responsibilities

You agree to:

• Provide accurate, complete, and current information at all times.
• Use KEY PLUS for lawful purposes only.
• Not misrepresent your identity, vehicle details, or any information relevant to your insurance or takaful application.
• You acknowledge that providing false or inaccurate information may result in consequences including the invalidation of your policy or takaful certificate. KEY PLUS accepts no liability for any loss arising from inaccurate or incomplete information provided by you.

Intellectual Property

All content on KEY PLUS including but not limited to text, graphics, logos, and software is the property of Key Auto Sdn Bhd or its licensors and is protected under Malaysian intellectual property laws. You may not reproduce, distribute, or use any content without prior written permission from Key Auto Sdn Bhd.

Third-Party Links

KEY PLUS may contain links to third-party websites for your convenience. Key Auto Sdn Bhd is not responsible for the content, accuracy, privacy practices, or availability of any third-party website. Accessing third-party links is at your own risk.

Disclaimer

• KEY PLUS makes no warranty that the platform will be uninterrupted, error-free, or free from technical issues. Services are provided on an “as is” basis to the fullest extent permitted by Malaysian law.
• In the event of a personal data breach, KEY PLUS will notify affected users as required under the Personal Data Protection Act 2010 (PDPA).

Limitation of Liability

• To the fullest extent permitted by Malaysian law, the total liability of Key Auto Sdn Bhd and the relevant Licensed Intermediary to you for any claim arising from your use of KEY PLUS shall not exceed the amount you paid for the specific transaction giving rise to the claim.
• In no event shall Key Auto Sdn Bhd or the relevant Licensed Intermediary be liable for any indirect, consequential, special, or incidental loss or damage arising from your use of KEY PLUS, including but not limited to loss of income, loss of business opportunity, or any claim by a third party.

Indemnity

You agree to indemnify and hold harmless Key Auto Sdn Bhd and the relevant Licensed Intermediary from any claims, losses, costs, or damages arising from your breach of these Terms or your misuse of the platform.

Governing Law & Dispute Resolution

These Terms are governed by the laws of Malaysia. In the event of a dispute, the parties agree to first attempt resolution through good faith negotiation before initiating legal proceedings. If unresolved, any dispute shall be subject to the exclusive jurisdiction of the Malaysian courts.

Amendments

We may update these Terms from time to time. Significant changes will be notified on the platform with at least 14 days’ notice prior to the effective date of the change. Your continued use of KEY PLUS after the effective date of any amendment constitutes your acceptance of the updated Terms.

Governing Language

In the event of any conflict or inconsistency between the English, Bahasa Malaysia, and Chinese versions of these Terms, the English version shall prevail.

Contact Us

For any queries relating to these Terms or your use of KEY PLUS:

• 📧 [email protected]
• 💬 011-6060 4666 (WhatsApp)
• 🌐 www.keyplus.my