Terms & Conditions

1. Who we are, and what Capitalink is

Capitalink (“Capitalink”, “we”, “us”) operates a loan aggregator marketplace that connects individual and business borrowers (“Borrowers”) with licensed financial institutions (“Lenders”) — banks regulated by Bank Negara Malaysia (BNM) and licensed moneylenders regulated under the Consumer Credit Act 2025 (or, during the transition period, the legacy Moneylenders Act 1951).

Capitalink is not a bank, a licensed moneylender, or a credit provider. We do not extend credit, assess creditworthiness on a Lender's behalf, guarantee loan approval, or act as an agent for either party in negotiating loan terms. Our role is limited to: collecting a Borrower's application and supporting documents, performing a completeness check (not a credit or identity check), listing eligible applications anonymously to verified Lenders, and facilitating an initial introduction between a Borrower and an interested Lender.

2. What happens after a match

Once a Lender expresses interest in a listed application, Capitalink may facilitate in-app chat or video communication so both parties can ask questions before deciding whether to proceed. If a Lender approves an application, that is a “Match”.

Everything that follows a Match — loan terms, the loan agreement, disbursement of funds, repayment, and any dispute arising from any of these — is agreed and carried out directly between the Borrower and the Lender, entirely outside Capitalink. Capitalink is not a party to that agreement, does not hold, route, or have visibility into loan principal or repayment funds, and has no obligation or ability to mediate, enforce, or resolve disputes relating to the underlying loan.

3. Eligibility and accounts

• Borrowers must be at least 18 years old and provide accurate, truthful information and genuine supporting documents. Submitting false or misleading information is grounds for immediate suspension.
• Lenders must be a licensed bank, licensed moneylender, or other financial institution holding a valid, verifiable licence from the relevant Malaysian regulator. Capitalink verifies this licence before activating a Lender account and may suspend or revoke access if a licence lapses, is revoked, or cannot be verified.
• You are responsible for keeping your account credentials confidential and for all activity under your account.

4. No guarantee of matching or approval

Listing an application on the marketplace does not guarantee that any Lender will express interest, that a Match will occur, or that funds will ultimately be disbursed. Each Lender independently decides which applications to review and approve, based on its own internal credit and risk assessment criteria, which Capitalink does not control, influence, or have visibility into.

5. Fees

Capitalink charges a platform fee to the Lender at the point of a Match, calculated from a published fee schedule based on the loan amount and type. Where applicable, a separate listing fee toggle may apply at submission for a given country or loan type — you will always be shown the applicable fee, and who is responsible for paying it, before it is charged. Capitalink does not process payments through a payment gateway; platform fees are settled by manual bank transfer and verified by our team.

Capitalink does not charge Borrowers a fee to submit an application, browse, or be listed on the marketplace under our current fee model, unless separately and clearly disclosed to you at the relevant step.

6. Acceptable use

You agree not to:

• Attempt to exchange personal contact details with the other party to arrange a loan off-platform before a Match, in order to avoid platform fees;
• Submit fraudulent documents, impersonate another person or entity, or misrepresent your identity, licence status, or financial position;
• Use the platform for any unlawful purpose, or to harass, abuse, or defraud another user;
• Attempt to interfere with, reverse-engineer, or gain unauthorised access to the platform or other users' data.

Chat messages are monitored for attempts to share contact information before a Match, consistent with our Privacy Policy.

7. Intellectual property

The Capitalink name, logo, and platform design are the property of Capitalink Sdn Bhd. Documents and information you submit remain yours, but you grant Capitalink a licence to process and display them (in anonymised form, where applicable) as needed to operate the marketplace and facilitate a Match.

8. Limitation of liability

To the fullest extent permitted by Malaysian law, Capitalink is not liable for: any Lender's decision to approve or reject an application; the accuracy of information a Lender or Borrower provides to the other; the terms, performance, disbursement, or repayment of any loan agreed between a Borrower and Lender; or any loss arising from a dispute between a Borrower and Lender. Our liability for any claim arising from your use of the platform itself is limited to direct damages and shall not exceed the total platform fees paid in connection with the relevant Match, if any.

9. Suspension and termination

We may suspend or terminate your account for breach of these Terms, suspected fraud, a Lender's licence lapsing or being revoked, or if required by a regulator or court order. You may close your account at any time by contacting us; this does not affect the terms of any loan already agreed directly between a Borrower and Lender.

10. Changes to these Terms

We may update these Terms from time to time to reflect changes in our service or applicable law. Material changes will be notified in-app or by email before they take effect. Continued use of the platform after a change takes effect constitutes acceptance.

11. Governing law

These Terms are governed by the laws of Malaysia. Any dispute relating to Capitalink's own services (not a dispute between a Borrower and a Lender, which is a private matter between them) shall be subject to the exclusive jurisdiction of the Malaysian courts.

12. Contact us

Questions about these Terms can be sent to legal@capitalink.io.