Cancellation & Refund Policy

1. Before a Motor Takaful Certificate Is Issued

If payment has been made but the motor takaful certificate has not yet been issued, customers should contact us as soon as possible.

Cancellation requests will be reviewed according to the status of the transaction and whether any related payment or processing has already been completed.

2. After a Motor Takaful Certificate Is Issued

Once a takaful certificate has been issued, cancellation and any entitlement to a refund are subject to the applicable takaful certificate terms, the takaful operator's requirements and applicable rules.

Qawwam Mobility Sdn Bhd does not independently determine the amount of takaful contribution refund to which a customer may be entitled.

3. Duplicate or Incorrect Payments

If a customer believes that a duplicate payment or incorrect amount has been charged, the customer should contact us promptly with the relevant transaction details.

We will review the transaction and, where a refund is appropriate, assist in initiating the applicable refund process.

4. Road Tax

Where road tax renewal has already been processed or funds have been submitted to the relevant authority/service provider, those amounts may not be cancellable or refundable by Qawwam Mobility.

Any refund entitlement will depend on the rules of the relevant authority or service provider.

5. Payment Gateway / BNPL Payments

For payments made through a payment gateway, card, online banking or BNPL service, an approved refund may need to be processed through the original payment provider.

The time required for the refund or instalment adjustment to appear depends on the applicable payment provider, bank or BNPL provider.

6. How to Request a Cancellation or Refund

Contact Qawwam Mobility Sdn Bhd using the official contact information shown on JualDirectBah.my.

Include:

• name
• telephone number
• transaction reference where available
• vehicle registration number where relevant
• reason for the cancellation/refund request

7. Processing

We will review or submit a complete request to the relevant provider as soon as reasonably practicable.

The actual refund timeline may depend on the transaction type, takaful operator, financial institution or payment service provider involved.