‍Terms of Use, Privacy, Cookie & Consumer Information Policy

This consolidated document governs website use, professional services information, and how we process personal data in accordance with Malaysian law. A Bahasa Malaysia version will be made available; where there is any inconsistency, the English version prevails.

Part A: Terms of Use

1. Who we are

Saifudin & Co. ("SNCO", "we", "us" or "our") is a firm of Chartered Accountants in public practice in Malaysia. Our office is at B-11-5, Plaza Mont Kiara 2, Jalan Kiara, Mont Kiara, 50480 Kuala Lumpur, Malaysia.

2. Acceptance of terms

By using www.saifudinco.com (the "Site") or contacting us through the Site, you agree to these Terms and this Policy. If you do not agree, please do not use the Site.

3. Website content and no advice

The Site provides general information only. It does not constitute accounting, audit, tax, legal or other professional advice, and should not be relied upon as such. Any engagement for professional services will be governed by a separate written engagement letter.

4. Permitted use and acceptable conduct

You may use the Site for lawful, personal and internal business purposes only. You must not:

copy, distribute or modify any part of the Site without prior written consent;
attempt to gain unauthorised access to the Site, servers or networks; or
introduce viruses or other harmful material.

5. Intellectual property

All content on the Site, including text, graphics, logos and software, is owned by SNCO or our licensors and is protected by law. You may download or print a reasonable number of pages for personal reference only; all other use requires our prior written consent.

6. Third-party links

The Site may link to third-party websites or tools (e.g., analytics, embedded forms). We are not responsible for their content, privacy practices or availability.

7. Disclaimers

The Site is provided on an "as is" and "as available" basis. We do not warrant that it will be uninterrupted or error-free.

8. Liability cap (website use)

To the maximum extent permitted by Malaysian law, we exclude all implied warranties and will not be liable for any indirect, incidental or consequential loss arising from your use of the Site. We do not exclude or limit liability to the extent it would be unlawful to do so, including for fraud or wilful misconduct. Nothing in these Terms limits your non-excludable statutory rights.

Note on professional services: Any limitation of liability for paid professional services will appear in the relevant engagement letter and may include a monetary cap (for example, a multiple of the fees paid). Such caps do not affect liabilities that cannot be limited under Malaysian law.

9. Time limits for claims

Any claim relating to the Site must be commenced within the statutory limitation periods under Malaysian law.

10. Suspension and changes

We may suspend or change the Site at any time. We may amend these Terms; the “Last updated” date will change accordingly.

11. Governing law and jurisdiction

These Terms are governed by the laws of Malaysia. The Malaysian courts have exclusive jurisdiction to settle any dispute arising out of or in connection with the Site.

Part B: Professional Services & Consumer Information

12. Registrations & Credentials

Firm Name: Saifudin & Co.
Registration: Registered with Suruhanjaya Syarikat Malaysia (SSM) under the Registration of Businesses Act 1956
Professional: Active member of the Malaysian Institute of Accountants (MIA) with valid practising certificate
Audit Licences: Companies (Companies Act 2016) and Co-operative Societies (Co-operative Societies Act 1993)
Tax Registration: Licensed tax agent with LHDNM (Income Tax Act 1967)
Insurance: Professional indemnity insurance maintained in line with MIA requirements
Verification: See MIA Member Directory, SSM e-Info, or LHDN directories

13. Services

Accounting & Bookkeeping: Financial statements, management accounts, bookkeeping setup, controls, compliance reporting
Audit & Assurance: Statutory audits (companies & co-ops), internal audits, due diligence, special reviews
Taxation: Corporate & personal tax compliance, SST/GST advisory, planning, transfer pricing, representation before LHDNM
Corporate Recovery & Advisory: Liquidations, restructuring, receivership, valuations, financial forecasts, corporate finance

14. Service Standards

All services comply with MIA By-Laws, Malaysian Financial Reporting Standards (MFRS), Malaysian Approved Standards on Auditing (MASA/ISA), and Malaysian Standards on Quality Management (MSQM). We commit to competent, compliant, confidential, timely and professional service.

15. Fees & Payments

Fees are based on time, complexity and expertise; estimates are provided in engagement letters
Government/third-party disbursements are itemised separately
Standard payment terms: 30 days from invoice unless agreed otherwise
Interest may apply to overdue amounts; prepayment may be required for long-term engagements

16. Consumer Rights & Complaints

Your rights: Clear information, transparent pricing, access to your records, explanation of recommendations
Quality: Competence, due care, compliance, confidentiality, timely completion
Complaints: Contact your engagement partner or email complaints@saifudinco.com. We respond within 14 working days; unresolved matters may be escalated to the Managing Partner.
External channels: MIA (professional conduct), Tribunal for Consumer Claims (claims ≤ RM50,000), Ministry of Domestic Trade & Cost of Living, or civil courts

17. Cancellation, Refunds & Liability

Clients may terminate with 30 days’ notice; immediate termination if professional standards are breached
Refunds: pro-rata for unused prepaid services; completed work must be paid; refunds processed within 14 working days
Liability is covered by professional indemnity insurance and limited to direct losses caused by negligence, subject to Malaysian law; consequential losses are excluded unless agreed

18. Compliance

We comply with the Consumer Protection Act 1999, Companies Act 2016, Income Tax Act 1967, PDPA 2010, AMLATFPUAA 2001, and MIA By-Laws. We conduct KYC/AML checks (identity verification, beneficial ownership, source of funds) and report suspicious transactions to regulators as required.

Part C: Privacy Policy

19. Our role and contacts

SNCO is the data controller (data user) for personal data we collect via the Site or during client onboarding.
General: practice@saifudinco.com
Privacy: privacy@saifudinco.com
Complaints: complaints@saifudinco.com
Postal: B-11-5, Plaza Mont Kiara 2, Jalan Kiara, Mont Kiara, 50480 Kuala Lumpur

20. Personal data we process

Client and counterparty data (identification, contact, financial, tax, AML/CFT information)
Website/communications data (IP, device, browser, cookies, forms)
Sensitive personal data where lawful and with safeguards/consent

21. Purposes & bases

Service delivery and onboarding
Compliance with law and regulation (PDPA, AMLA, tax, company law, MIA)
Business operations (billing, IT, security, quality)
Use of AI Tools: We may use secure artificial intelligence (AI) technologies, including large language models (LLMs), to assist in drafting, analysis, and support functions in our professional work processes. Such use is always supervised by qualified professionals and does not replace professional judgment. Personal and client information processed through AI tools is handled in accordance with the PDPA 2010, our confidentiality obligations, and subject to appropriate contractual and technical safeguards. By engaging our services, you consent to such use. If you prefer that your data is not processed through AI tools, please notify us and we will accommodate your request.
Marketing (with consent)
Website analytics (with consent)

22. Sharing

We share data only with service providers, advisers, regulators/authorities, and within professional networks subject to safeguards. We do not sell data.

23. Security & retention

We apply organisational/technical safeguards, training and monitoring. Records are kept for at least 7 years (or longer where law requires); website data 12–24 months.

24. International transfers

Transfers abroad (e.g., cloud) are made only with legal bases and safeguards as required under Malaysian law.

25. Your rights

Access, correction, deletion (where lawful), objection to processing, withdraw consent, and portability where applicable. Requests: privacy@saifudinco.com.

26. Children

We do not knowingly collect data from children under 18.

27. Data breaches

We will assess and notify the Commissioner/affected individuals where required.

28. Complaints

Part D: Cookie Policy

29. About cookies

Cookies support Site functionality, security and performance analysis.

30. Types

Essential (always on): security, session management, functionality
Analytics (consent): e.g., Google Analytics
Functional (consent): preferences, forms, user experience

31. Choices

Consent banner provides Accept All / Essential Only / Customise options. Choices can be changed later via Manage Cookies or browser settings.

32. Retention

Session cookies: end on browser close
Essential: 1–12 months
Analytics/functional: 1–24 months

Part E: Contact & Updates

33. Contact

Saifudin & Co.
B-11-5, Plaza Mont Kiara 2, Jalan Kiara, Mont Kiara
50480 Kuala Lumpur, Malaysia
General: enquiry@saifudinco.com
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34. Updates

We review this Policy periodically. Changes will be published on this page and, where appropriate, notified by email. Continued use of the Site after changes constitutes acceptance.

Shortforms used

JPDP – Jabatan Perlindungan Data Peribadi
PDPA – Personal Data Protection Act 2010
AML/CFT – Anti-Money Laundering/Counter-Financing of Terrorism
MIA – Malaysian Institute of Accountants

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