MaxDuit

Max Limit, Secure Duit.

GS MAJU ENTERPRISE

45-2, JALAN PUTERI 2/1, BANDAR PUTERI, 47100 PUCHONG, SELANGOR

Customer Support:

Legal

Terms & Conditions

Last updated: 10 August 2026

These Terms & Conditions (“Terms”) govern your access to and use of the MaxDuit mobile application and related websites, products, and services (collectively, the “Services”) operated by GS MAJU ENTERPRISE (“GS Maju”, “we”, “us”, or “our”). By downloading, accessing, or using MaxDuit, you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. About MaxDuit

MaxDuit is a digital platform that enables eligible individuals in Malaysia to apply for and manage installment loan products offered or facilitated by GS Maju. Features may include loan eligibility checks, application submission, disbursement requests, repayment schedules, customer support tools, and related notifications.

MaxDuit and related marketing materials (including “Max Limit, Secure Duit.”) are brands of GS Maju. Availability of any loan product is subject to eligibility assessment, credit review, and approval at GS Maju’s sole discretion.

2. Eligibility

To use the Services, you represent and warrant that you:

  • are at least 18 years of age and have full legal capacity to enter into a binding contract under the laws of Malaysia;
  • are a Malaysian citizen or otherwise lawfully resident in Malaysia, as required for the relevant product;
  • provide accurate, complete, and up-to-date personal information, including a mobile number registered under your name, an active personal bank account under your name, and valid MyKad information where requested;
  • will use the Services only for lawful personal purposes and not for fraud, money laundering, or any prohibited activity.

We may refuse, suspend, or terminate access if you do not meet eligibility requirements or if we reasonably suspect misuse.

3. Account registration and security

You may be required to register an account using your mobile number and complete identity verification (including MyKad-related checks). You are responsible for maintaining the confidentiality of your device, OTP codes, PINs, passwords, and any authentication credentials.

You must notify us promptly at if you suspect unauthorized access to your account. You remain responsible for activities conducted through your account unless caused by our proven negligence.

4. App permissions and device access

To provide loan application, verification, fraud prevention, and account security features, MaxDuit may request access to certain device permissions. By granting a permission, you authorise us to collect and process related information as described in our Privacy Policy.

  • SMS: for OTP verification, number confirmation, and fraud / credit-risk assessment related to loan review.
  • Camera: for MyKad / identity document capture, selfie, and liveness checks.
  • Approximate location: for fraud prevention, unusual-activity detection, and service integrity.
  • Installed application information: for device-risk and anti-fraud analysis connected to loan assessment.
  • Emergency contacts: for alternative contact details you provide for account support, risk assessment, and lawful servicing communications.
  • Device model and status: for security, crash diagnostics, multi-accounting prevention, and risk scoring.

You may refuse or later revoke permissions in your device settings. If required permissions are refused, we may be unable to complete identity verification or approve a loan application. You agree to provide only accurate information and only emergency contact details that you are authorised to share.

5. Loan applications and credit assessment

Submitting an application does not guarantee approval. We may assess your application using information you provide, permission-derived device and risk data (where granted), information obtained from third-party sources (where permitted by law), and our internal risk models.

Indicative figures shown in the app (including maximum limits such as RM 10,000, illustrative rates such as from 0.04%/day, disbursement timing such as “in 3 minutes”, and maximum tenure such as 120 days) are for reference only and may vary based on your profile, product type, regulatory requirements, and our approval decision.

If your application is approved, the binding terms of your loan (amount, interest/fees, tenure, repayment schedule, and other conditions) will be set out in the applicable loan agreement, disclosure statement, and/or in-app contract that you accept before disbursement.

6. Disbursement and repayment

  • Approved funds are typically disbursed to the personal bank account nominated by you and verified as belonging to you.
  • You agree to repay all outstanding amounts (including principal, interest, fees, and charges) on or before the due dates stated in your loan agreement.
  • Late payment may result in late fees, additional interest, collection actions, reporting to credit reference agencies (where applicable), and other remedies permitted by law and your loan agreement.
  • You should borrow only what you can reasonably repay based on your income and financial circumstances.

7. Fees and charges

Applicable interest rates, processing fees, late charges, and other fees will be disclosed before you confirm a loan. You are responsible for reviewing fee disclosures carefully. We do not guarantee that any rate or fee displayed in marketing materials will apply to your individual loan.

8. Acceptable use

You agree not to:

  • provide false, stolen, or misleading identity, bank, contact, emergency-contact, or device information;
  • manipulate device permissions, SMS, location, installed-app data, or device status to mislead our risk or identity checks;
  • interfere with or disrupt the Services, security systems, or other users;
  • attempt to reverse engineer, scrape, or exploit the app except as permitted by law;
  • use the Services to commit fraud, identity theft, or any criminal offence;
  • allow another person to apply or manage a loan in your name without authorization.

9. Intellectual property

The MaxDuit name, logos, interface designs, text, graphics, software, and other content are owned by GS Maju or its licensors and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent, except for personal, non-commercial use of the app as intended.

10. Third-party services

The Services may integrate with third-party providers (for example, identity verification, SMS/OTP, risk scoring, banking rails, cloud hosting, analytics, or customer support tools). Your use of those services may be subject to additional third-party terms. We are not responsible for third-party services outside our reasonable control, except as required by applicable law.

11. Refund policy

All payments made to the Company are final and strictly non-refundable, except where a refund is expressly permitted under our Refund Policy. Any request or enquiry relating to an erroneous fund transfer or payment obligation shall be submitted to our Customer Service team for review and assistance. The Company reserves the right to make the final determination on all such matters.

12. Disclaimers

The Services are provided on an “as available” basis. While we aim for reliable performance, we do not warrant that the app will be uninterrupted, error-free, or free from harmful components. To the fullest extent permitted by Malaysian law, we disclaim implied warranties that are not expressly stated in these Terms or your loan agreement.

Nothing in marketing content constitutes financial, legal, or credit advice. You should consider your own circumstances before borrowing.

13. Limitation of liability

To the maximum extent permitted by law, GS Maju and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive losses, including loss of profits, data, or goodwill, arising from your use of the Services.

Where liability cannot be excluded, our aggregate liability relating to the Services (excluding obligations under an approved loan agreement for disbursed funds and related contractual repayment terms) shall be limited to the fees you paid to us for the Services in the three (3) months preceding the claim, or RM 100, whichever is higher, unless a mandatory law provides otherwise.

14. Indemnity

You agree to indemnify and hold harmless GS Maju from claims, losses, and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, or your violation of any law or third-party rights, except to the extent caused by our willful misconduct or gross negligence.

15. Suspension and termination

We may suspend or terminate your access to the Services if you breach these Terms, fail to repay amounts due, provide false information, manipulate permission-derived data, or if required for legal, security, or operational reasons. Termination does not affect accrued rights or your outstanding loan obligations, which remain enforceable according to your loan agreement.

You may stop using the app at any time. Closing an account may be subject to settlement of outstanding balances and identity verification requirements.

16. Privacy

Our collection and use of personal data — including data obtained through SMS, Camera, Approximate Location, Installed Application Information, Emergency Contacts, and Device Model and Status permissions — are described in our Privacy Policy. By using the Services, you acknowledge that policy.

17. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date will be revised accordingly. Material changes may be notified via the app, website, SMS, or email. Continued use after the effective date constitutes acceptance of the updated Terms, except where mandatory consent is required by law.

18. Governing law and disputes

These Terms are governed by the laws of Malaysia. Subject to any mandatory consumer protections, courts in Malaysia shall have jurisdiction over disputes arising from these Terms or the Services.

If you have a complaint, please contact our Customer Support first so we can attempt to resolve the matter promptly.

19. Contact us

GS MAJU ENTERPRISE
45-2, JALAN PUTERI 2/1, BANDAR PUTERI, 47100 PUCHONG, SELANGOR
Customer Support
Email:

These Terms are provided for the MaxDuit service. Product-specific loan agreements and regulatory disclosures (if any) prevail over these Terms to the extent of any conflict relating to an approved loan facility.

Privacy Policy → ← Back to home