What These Terms Cover and How They Apply
By creating an account on cikgu99, you confirm that you have read, understood, and accepted these terms in full. Access to our service depends on local law — use our platform only where it is permitted in your region. These terms apply to all account activity,
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including deposits via Touch 'n Go eWallet, Boost, and GrabPay, withdrawals processed through DuitNow or FPX, and any use of account wallet features. We may update these terms when our services change; when that happens, we will notify you through your registered contact details. Continued use
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of the account after a notified change means you accept the revised terms. You are responsible for keeping your account credentials secure — any activity carried out under your login is treated as yours. We reserve the right to suspend or close accounts that breach these
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terms, including accounts involved in fraudulent payment activity, misuse of wallet features, or attempts to circumvent access controls. For queries about any clause here, our support team is available via live chat and can help clarify how a specific term applies to your account situation.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.