Terms & Conditions: Pay Half & Earn More Campaign

Campaign Period

• This Pay Half & Earn More (“Campaign”) is organised by Modalku Ventures Sdn Bhd (“Funding Societies Malaysia”) and shall commence from 25 May 2026 to 30 June 2026 (“Campaign Period”), both dates inclusive unless extended and notified otherwise..
  
  

Eligibility Criteria 

• This Campaign is open to all registered and activated investors (both new and existing) with Funding Societies Malaysia (hereinafter referred to as “Eligible Participants”) throughout the Campaign Period.
  
  
• This Campaign is only applicable to the following investment products (hereinafter referred to as “Eligible Product”) offered by Funding Societies Malaysia:
  • Accounts Payable Financing - CGCD (MBIAPCD)
    
    
• The Eligible Product is partially guaranteed by Credit Guarantee Corporation Digital (CGCD) of up to 50% of the defaulted outstanding principal.
  
  
• To qualify for the Campaign, Eligible Participants must invest a minimum of RM100 in the Eligible Product issued by Funding Societies Malaysia during the Campaign Period.
  
  

Campaign Rewards

• Eligible Participants shall be entitled to a 50% reduction of the standard 25% service fee charged (“Reward”) on returns received from the Eligible Product during the Campaign Period.
  
  
• The Campaign does not alter, enhance, or guarantee any fixed return rate. Eligible Participants may earn estimated returns of up to 10% – 18% per annum (gross returns from the Eligible Product), subject to investment performance, issuer repayment behaviour, and prevailing market conditions.
• Actual returns may vary depending on factors including but not limited to early settlement by the issuer, delayed repayment, or recovery outcomes in the event of default.
  
  

• The Reward shall be automatically applied upon successful investment by the Eligible Participants and issuance of the Eligible Product. No application or claim by Eligible Participants is required.
  
  
• In the event the Eligible Participant is eligible for the Reward, the reduced service fee will be reflected in the respective investment factsheets at the time of issuance. This reduction will be reflected in the returns received by the Eligible Participants throughout the investment tenure.

General Terms & Conditions

• All facility request made to Funding Societies have been assessed by the credit assessment team. This means only established and creditworthy businesses are able to crowdfund through Funding Societies platform. However, as with all investments, investing your money for a return will always have financial risks. Facilities made on the platform are not insured and there is a risk that a business may not be able to repay the facility. While Funding Societies has a recovery process in place, you may still lose some or all of your investment, including your initial capital.
  

• By participating in this Campaign, the Eligible Participants are deemed to have read, understood, and agreed to be bound by all the terms and conditions stated herein (including any amendments, changes, or variations thereto).
  
  
• Funding Societies Malaysia’s decision on all matters relating to this Campaign shall be final and binding on all the Eligible Participants, and no correspondence and/or appeal in respect thereof shall be entertained.
  
  
• By participating in this Campaign, all Eligible Participants agree to provide his or her consent to:
  • Collect, record, hold, store, use, and disclose their personal information for purposes related to the Campaign;
  • Disclose their personal information (including names, addresses, and telephone numbers) to Funding Societies Malaysia's related and/or associate companies, business partners, strategic alliances, and other third parties as deemed necessary by Funding Societies Malaysia for the Campaign, and
  • Allow their photos or video clips to be used for current or future advertising and/or publicity related to the Campaign without any claim for payment or compensation.
    
    
• Upon the expiry of the Campaign Period, the Campaign will be deemed terminated, and this offer will immediately lapse without notice.
  
  
• The Reward is not transferable to any third party, non-negotiable, and non-exchangeable for goods, in part or in full, and/or other redemption item(s).
  
  
• Funding Societies Malaysia reserves the right to substitute or change the Reward with a similar or lower value at its absolute discretion.
  
  
• The Reward may be withdrawn or cancelled by Funding Societies Malaysia at its sole discretion if any purchase or transaction made by Eligible Participants under this Campaign is refunded, voided, cancelled, or deemed fraudulent.
  
  
• Funding Societies Malaysia reserves the right to disqualify Eligible Participants from receiving the Reward if they fail to comply with any terms and conditions contained herein, or engage in fraudulent or wrongful acts related to the products.
  
  
• Funding Societies Malaysia shall not be liable for any claims, losses, damages, or costs incurred or suffered by any participants as a result of your participation in this Campaign.
  
  
• Funding Societies Malaysia shall not be responsible nor shall it accept any liabilities of whatsoever nature, howsoever arising or suffered by the Eligible Participants resulting directly or indirectly from this Campaign. For the avoidance of doubt, any cancellation, termination, suspension or extension of this Campaign or disqualification of the Eligible Participants or forfeiture of the Campaign shall not entitle the Eligible Participants to any claim or compensation against Funding Societies Malaysia or for any and all losses or damages suffered or incurred by the Eligible Participants as a direct or indirect result of the act of cancellation, termination, suspension, extension, disqualification or forfeiture.
  
  
• These terms and conditions may be amended from time to time and shall prevail over any provisions or representations contained in any other advertising materials. In the event of inconsistency, the latest version of these terms and conditions shall supersede any previous terms and conditions.
  
  
• These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia and subject to the exclusive jurisdiction of the Courts of Malaysia.