Terms & Conditions

1. Definitions

In these Terms and Conditions:

• "Service" refers to the legal services offered by Payung Legal, including Pension Position Reviews, Appeal Preparation and Support, and Dependant Benefits Advice.
• "User" or "Client" refers to any individual who accesses our website or engages our Services.
• "We / Us / Our" refers to Payung Legal, a legal practice registered in Malaysia.
• "Website" refers to the site located at payungle.blog.
• "Agreement" refers to these Terms and Conditions together with any engagement letter issued for a specific matter.

2. Acceptance of Terms

By accessing our Website or engaging our Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use our Website or services. Use of the Website constitutes acceptance whether or not you have formally engaged us for a legal matter.

You must be at least 18 years of age and have the legal capacity to enter into an agreement to use our Services.

3. Description of Services

Payung Legal provides legal advisory services focused on pension matters in Malaysia. Our current service offerings are:

• Pension Position Review (RM 150): A structured assessment of your pension standing with a written summary and Q&A time.
• Appeal Preparation and Support (RM 600): Preparation and management of formal pension appeals, including document handling and authority correspondence.
• Dependant Benefits Advice (RM 365): Guidance for families on survivor and dependant pension entitlements.

Service availability is subject to our current capacity. Geographic service delivery is primarily within Selangor and the Klang Valley. Remote consultations are available subject to the nature of the matter.

4. Engagement and Client Agreement

A legal engagement formally begins when you have received and accepted a written engagement letter from us confirming the scope of work, fees, and terms specific to your matter. The Website alone does not create an attorney-client relationship. Submission of an enquiry form does not constitute a legal engagement.

5. Fees and Payment

All fees are stated in Malaysian Ringgit (RM) and are inclusive of GST where applicable. Current service fees are:

• Pension Position Review: RM 150
• Appeal Preparation and Support: RM 600
• Dependant Benefits Advice: RM 365

Where a matter involves additional complexity or scope beyond the standard service, any additional fees will be discussed and agreed in writing before the additional work commences. Payment terms will be specified in the engagement letter for each matter.

6. User Responsibilities

When engaging our Services or using our Website, you agree to:

• Provide accurate and complete information relevant to your matter
• Promptly respond to requests for additional documents or information
• Not use our Website for any unlawful or fraudulent purpose
• Not attempt to interfere with the security or functionality of the Website
• Keep your contact details updated for the duration of any engagement

7. Intellectual Property

All content on this Website — including text, design, structure, and materials — is the property of Payung Legal or its content suppliers and is protected under applicable Malaysian intellectual property law. You are granted a limited, non-exclusive licence to access the Website for personal, non-commercial use only. No content may be reproduced, distributed, or used commercially without prior written consent.

8. Confidentiality

Information shared with us in the context of a legal engagement is subject to professional legal privilege and is treated as strictly confidential. We will not disclose your information to third parties except as described in our Privacy Policy or as required by law or professional obligation.

9. Disclaimers

The information on this Website is provided for general informational purposes only and does not constitute legal advice for any specific situation. No reliance should be placed on Website content as a substitute for a formal legal consultation. Our Services are provided to the best of our professional ability, but we make no representation regarding specific outcomes, as these depend on facts, circumstances, and decisions of external authorities outside our control.

10. Limitation of Liability

To the fullest extent permitted by Malaysian law, Payung Legal shall not be liable for any indirect, consequential, or special loss or damage arising from your use of our Website or Services. Our total liability in connection with any matter shall not exceed the fees paid by you for the specific service concerned.

11. Termination

Either party may terminate a legal engagement by providing reasonable written notice. Upon termination, you remain liable for fees for work completed up to the date of termination. We reserve the right to decline or withdraw from an engagement consistent with our professional obligations under the Legal Profession Act 1976.

12. Dispute Resolution

Any dispute arising from these Terms or our Services will first be subject to good-faith discussions between the parties. If unresolved within 30 days, disputes will be subject to the jurisdiction of the courts of Malaysia. These Terms are governed by the laws of Malaysia.

13. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised effective date. Continued use of our Website or Services after changes are posted constitutes acceptance of the revised Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact for Legal Enquiries

For questions about these Terms, please contact:

• Email: [email protected]
• Phone: +60 3-5513 6729
• Address: No. 15, Jalan Tengku Ampuan Zabedah, Seksyen 9, 40100 Shah Alam, Selangor, Malaysia