{"id":3057,"date":"2026-09-07T04:58:41","date_gmt":"2026-09-07T04:58:41","guid":{"rendered":"https:\/\/cosharesupport.my\/?page_id=3057"},"modified":"2026-09-07T10:06:15","modified_gmt":"2026-09-07T10:06:15","slug":"terma-syarat","status":"publish","type":"page","link":"https:\/\/cosharesupport.my\/en\/terma-syarat\/","title":{"rendered":"Terma & Syarat"},"content":{"rendered":"
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Terma & Syarat<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Sila baca Terma dan Syarat ini (“Terma”) dengan teliti sebelum menggunakan laman web ini atau memohon sebarang perkhidmatan yang disediakan oleh Coshare Holdings Berhad (“Kami”, “Kita”, atau “Syarikat”). Dengan mengakses atau menggunakan laman web ini, anda bersetuju untuk terikat dengan Terma ini. Jika anda tidak bersetuju dengan mana-mana bahagian daripada Terma ini, anda dinasihatkan untuk tidak menggunakan laman web ini.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1. Pengenalan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Laman web ini dikendalikan oleh CoShare Holdings Berhad. Kami menyediakan platform untuk memudahkan urusan pembiayaan peribadi, penyatuan hutang, dan perkhidmatan potongan gaji (Kod Potongan Gaji) khusus untuk kakitangan awam dan badan berkanun terpilih di Malaysia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. Kelayakan Pengguna<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Perkhidmatan kami terutamanya ditujukan kepada individu yang memenuhi kriteria berikut:<\/p>

  • Warganegara Malaysia.<\/li>
  • Berumur 18 tahun ke atas.<\/li>
  • Berkhidmat sebagai kakitangan kerajan (Persekutuan\/Negeri), badan berkanun, atau GLC yang mempunyai kemudahan potongan gaji melalui CoShare.<\/li><\/ul>

    Dengan menggunakan laman ini, anda mengesahkan bahawa semua maklumat yang anda berikan tentang kelayakan anda adalah benar dan tepat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    3. Perkhidmatan Kami<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    CoShare bertindak sebagai pemudah cara atau ejen pengurusan untuk:<\/p>

    1. Memproses permohonan pembiayaan peribadi daripada institusi kewangan rakan kongsi.<\/li>
    2. Menguruskan arahan potongan gaji melalui kod potongan gaji yang diluluskan oleh Jabatan Akauntan Negara Malaysia
      (JANM).<\/li><\/ol>

      Penafian Penting:<\/strong> CoShare bukan sebuah bank atau pemberi pinjaman wang berlesen. Kelulusan muktamad bagi sebarang permohonan pembiayaan adalah tertakluk kepada budi bicara mutlak bank atau institusi kewangan yang bekerjasama dengan kami.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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      4. Perlindungan Data dan Semakan Kredit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Privasi anda adalah ketamaan kami. Dengan menghantar permohonan melalui laman web ini, anda bersetuju bahawa:<\/p>

      \u00a0<\/p>

      • Anda memberi kebenaran (consent) yang jelas kepada CoShare untuk memproses data peribadi anda termasuk nombor kad pengenalan dan penyata gaji.<\/li>
      • Anda membenarkan CoShare atau rakan kongsi kewangan kami melakukan semakan kredit melalui agensi pelaporan kredit (seperti CTOS, CCRIS, atau RAMCI) dan ANGKASA bagi tujuan penilaian kelayakan pembiayaan.<\/li><\/ul>

        Sila rujuk Dasar Privasi kami untuk maklumat lanjut mengenai bagaimana data anda dikumpul dan dilindungi.<\/p>

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        5. Tanggungjawab Pengguna<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        Sebagai pengguna, anda bersetuju untuk:<\/p>

        • Memberikan maklumat yang tepat, terkini, dan lengkap semasa mengisi borang permohonan.<\/li>
        • Tidak menyalahgunakan laman web ini untuk tujuan penipuan atau aktiviti haram.<\/li>
        • Tidak menyamar sebagai individu atau entiti lain.<\/span><\/li><\/ul>

          Jika didapati maklumat yang diberikan adalah palsu atau diubah suai, kami berhak untuk menolak permohonan anda serta-merta dan mengambil tindakan undang-undang jika perlu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          6. Tiada Caj Pendahuluan (No Upfront Fee)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Sila ambil perhatian bahawa CoShare TIDAK mengenakan sebarang caj pendahuluan (“upfront fee” atau duit muka) kepada pelanggan untuk memproses permohonan pembiayaan.<\/p>

          Sebarang yuran perkhidmatan atau caj pemprosesan (jika ada) akan ditolak terus daripada jumlah pembiayaan yang diluluskan oleh bank (deduct from loan), bukan diminta secara tunai sebelum kelulusan. Sila berhati-hati dengan pihak ketiga vang menyamar sebagai ejen CoShare dan meminta wang pendahuluan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          7. Penafian Jaminan dan Liabiliti<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Kami berusaha memastikan maklumat di laman web ini adalah tepat, namun kami tidak menjamin bahawa laman web ini bebas daripada kesilapan teknikal atau gangguan pelayan (server downtime)<\/p>

          CoShare tidak bertanggungjawab ke atas sebarang kerugian langsung atau tidak langsung yang timbul daripada penggunaan laman web ini atau kegagalan permohonan pembiayaan anda diluluskan oleh pihak bank rakan kongsi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          8. Harta Intelek<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Semua kandungan di laman web ini termasuk logo, teks, grafik, reka bentuk antara muka, dan perisian adalah hak milik Coshare Holdings Berhad dan dilindungi oleh undang-undang harta intelek Malaysia. Anda tidak dibenarkan menyalin, mengedar, atau menggunakan kandungan tersebut untuk tujuan komersial tanpa kebenaran bertulis daripada kami.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          9. Pautan Pihak Ketiga<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Laman web ini mungkin mengandungi pautan ke laman web pihak ketiga (contohnya laman web bank rakan kongsi atau sistem semakan gaji). Kami tidak mempunyai kawalan dan tidak bertanggungjawab ke atas kandungan atau dasar privasi laman web luaran tersebut.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          10. Pindaan Terma<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Kami berhak untuk meminda atau mengemaskini Terma dan yarat ini pada bila-bila masa tanpa notis awal. Penggunaan berterusan laman web ini selepas sebarang perubahan dianggap sebagai penerimaan anda terhadap perubahan tersebut.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          11. Undang-undang yang Mengawal Selia<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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          Terma ini dikawal oleh dan ditafsirkan mengikut undang-undang Malaysia. Sebarang pertikaian yang timbul berkaitan penggunaan laman web ini akan dirujuk kepada bidang kuasa mahkamah di Malaysia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          Hubungi Kami<\/strong><\/p>

          Jika anda mempunyai sebarang soalan mengenai Terma dan Syarat ini, sila hubungi kami di:<\/p>

          Alamat: Coshare Holdings Berhad, No 25-G, Jalan PJU 5\/20A, Pusat Perdagangan, The Strands, Kota Damansara, 47810 Petaling<\/p>

          Jaya,<\/p>

          Emel: info@coshare.my<\/p>

          Telefon: 03-61429999<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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          Terma & Syarat Sila baca Terma dan Syarat ini (“Terma”) dengan teliti sebelum menggunakan laman web ini atau memohon sebarang perkhidmatan yang disediakan oleh Coshare Holdings Berhad (“Kami”, “Kita”, atau “Syarikat”). Dengan mengakses atau menggunakan laman web ini, anda bersetuju untuk terikat dengan Terma ini. Jika anda tidak bersetuju dengan mana-mana bahagian daripada Terma ini, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-3057","page","type-page","status-publish","hentry"],"yoast_head":"\nTerma & Syarat - Coshare Sales Support<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cosharesupport.my\/en\/terma-syarat\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terma & Syarat - Coshare Sales Support\" \/>\n<meta property=\"og:description\" content=\"Terma & Syarat Sila baca Terma dan Syarat ini (“Terma”) dengan teliti sebelum menggunakan laman web ini atau memohon sebarang perkhidmatan yang disediakan oleh Coshare Holdings Berhad (“Kami”, “Kita”, atau “Syarikat”). Dengan mengakses atau menggunakan laman web ini, anda bersetuju untuk terikat dengan Terma ini. 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