Effective Date: 1st September 2026

By accessing or using Borong Emas Malaysia (“BEM”), you agree to these Terms.

1. Account & Information
Customers must provide accurate and complete information and comply with BEM’s KYC/e-KYC requirements.

2. Gold Transactions
All purchases are subject to the applicable gold price, product availability, payment confirmation and BEM’s transaction policies.

3. Gold Price Risk
Gold prices may rise or fall. BEM does not guarantee profit, returns or future gold prices.

4. Payment & Delivery
Payments must be made through approved payment channels. Customers are responsible for providing accurate delivery information.

5. Buyback
Gold may be eligible for buyback subject to BEM’s prevailing Buyback Price, verification requirements and Buyback Policy.

6. Compliance
BEM may delay, reject, suspend or terminate transactions or accounts where required for KYC, AML/CFT/CPF, sanctions, fraud prevention or legal compliance.

7. Account Security
Customers are responsible for protecting their account credentials and must notify BEM of any unauthorised activity.

8. Changes
BEM may update these Terms from time to time. Continued use of the platform constitutes acceptance of the updated Terms.

9. Governing Law
These Terms are governed by the laws of Malaysia.