TERMS AND CONDITIONS
Potential Signature Sdn Bhd (1335070-V) Last Updated: April 27, 2026
Welcome to Potential Signature Sdn Bhd (referred to as “the Company,” “we,” “us,” or “Smart Finance KL”). By accessing our website or utilizing our consultation services, you agree to comply with and be bound by the following terms and conditions.
1. Services Provided
The Company provides financial consultancy and advisory services. All information provided is for educational and informational purposes. While we strive for accuracy, our advice does not constitute a guaranteed financial outcome.
2. Eligibility
By using our services, you represent that:
You are at least 18 years of age.
The information you provide to us is accurate, complete, and current at all times. Inaccurate or false data may lead to the termination of your application or service.
3. Professional Advice Disclaimer
Not a Lending Institution: Potential Signature Sdn Bhd is a consultancy firm, not a bank or a licensed moneylender. We facilitate and advise on financial products offered by third-party institutions.
No Guarantees: Approval for any financial product (loans, credit, etc.) is subject to the sole discretion of the respective banks or financial institutions. We do not guarantee 100% approval.
4. Client Responsibilities
Clients are responsible for:
Providing all necessary documentation (payslips, bank statements, etc.) in a timely manner.
Reviewing the final terms of any financial product provided by a third-party bank before signing.
5. Limitation of Liability
To the maximum extent permitted by Malaysian law, Potential Signature Sdn Bhd shall not be liable for any indirect, incidental, or consequential damages arising out of:
The rejection of an application by a third-party financial institution.
Delays in processing caused by incomplete documentation from the client.
Technical errors on the website or digital platforms.
6. Intellectual Property
All content, logos, branding, and materials used in our services or displayed on our website are the intellectual property of Potential Signature Sdn Bhd. Unauthorized use or reproduction is strictly prohibited.
7. Termination of Service
We reserve the right to terminate or suspend our services to you immediately, without prior notice, if you breach these Terms and Conditions or engage in fraudulent activities.
8. Governing Law
These terms shall be governed by and construed in accordance with the laws of Malaysia. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.
9. Contact Us
For any clarifications regarding these Terms & Conditions, please contact us:
Company: Potential Signature Sdn Bhd
Registration No: 1335070-V
Phone: 03-7499 8146
Email: potentialsignature00@gmail.com
Business Hours: 9:00 AM – 5:00 PM (Monday – Friday)
