Service Delivery Policy

Introduction
Duitkini Marketing is dedicated to delivering professional financial consultation services while ensuring full compliance with Malaysian laws. Our commitment is to uphold the highest ethical standards, provide transparent service delivery, and safeguard client interests. This policy outlines our service commitments, client obligations, compliance with regulatory requirements, and dispute resolution mechanisms to ensure a clear and professional engagement between clients and our firm.

Scope of Services
DuitKini Marketing specializes in providing consultation and facilitation services for clients seeking financial assistance through banks. Our role includes:

• Advisory Services: Assessing client eligibility and guiding them through the loan application process.
• Application Support: Assisting in document preparation and submission.
• Loan Facilitation: Coordinating with financial institutions to streamline application processing.
• Client Communication: Providing updates on application progress and responding to queries.
• Confidentiality and Compliance: Ensuring data security and adherence to regulatory policies.

We do not provide direct loans, financial advice, or guarantee loan approvals.

Service Standards
To maintain professionalism and efficiency, we adhere to the following service commitments:

• Comprehensive Consultation: A detailed evaluation of a client’s financial profile and available options.
• Efficient Documentation Handling: Ensuring all necessary forms and documents are correctly completed and submitted in a timely manner.
• Proactive Loan Application Management: Facilitating applications while maintaining regular follow-ups with customer.
• Clear and Prompt Communication: Keeping clients informed through multiple communication channels, including phone, email, and messaging platforms. Clients may request a face-to-face discussion for further clarification or assistance.
• Privacy Protection: Handling all client information securely under PDPA 2010 to prevent unauthorized access or misuse.

Payment Terms
To maintain transparency and fairness in our service charges, DuitKini Marketing enforces the following payment guidelines:

• No upfront fees—clients are only required to make payment upon successful completion of the service
• The service charges imposed by DuitKini Marketing are not fixed and vary depending on individual cases
• The applicant is required to make payment for the agreed service charges into Duitkini Marketing’s company account.
• No refunds will be provided, as we do not impose any upfront fees. The initial process is free of charge, and payment is only requested upon the successful completion of our services.

Compliance with Malaysian Law
Duitkini Marketing operates within the regulatory framework established by Bank Negara Malaysia (BNM) and other relevant authorities. Our services are designed to uphold the highest standards of transparency, professionalism, and ethical conduct. We do not engage in unauthorised lending, misrepresentation of financial institutions, or deceptive business practices.

Policy Amendments
Duitkini Marketing reserves the right to amend this policy at any time to reflect changes in regulatory requirements, operational procedures, or business needs. Any updates to this policy will be communicated through our official website.