This “KGIEF x KAF Digital Bank Berhad Setel Voucher Campaign” (“Campaign”) is organized by KAF Investment Funds Berhad in collaboration with KAF Digital Bank Berhad and Phillip Mutual Berhad (“Organizers”).

By participating in this Campaign, the Investor agrees to be bound by the following Terms and Conditions:

1. Definitions

For the purposes of this Campaign:

“Investor” refers to an eligible customer of KAF Digital Bank Berhad who participates in the Campaign by investing in KGIEF through the e-Funds microsite.

“KGIEF” refers to the KAF Global Islamic Equity Fund, a Shariah-compliant equity fund managed by KAF Investment Funds Berhad.

“Reward” refers to an RM8 voucher credited to the Setel account linked to the registered mobile number of the Investor, subject to this Terms and Conditions.

2. Campaign Period

2.1     The Campaign shall run from 15 MAY 2026 TO 4 JUNE 2026, both dates inclusive (“Campaign Period”), coinciding with the initial offer period (IOP) of the KGIEF.

2.2     The Organizers reserve the right to vary, postpone, or extend the Campaign Period at any time with prior notice, and any such changes shall be published on the official website of KAF Digital Bank Berhad at hello.kaf.com.my.

3. Eligibility

3.1     This Campaign is open exclusively to Investor(s) who maintain an active KAF Digital Bank Berhad account throughout the Campaign Period and at the point of Reward fulfilment.

3.2     To be eligible, the Investor must have a valid user account registered with the e-Funds microsite (as hosted and managed by Phillip Mutual Berhad at eunittrust.com.my). New users of the e-Funds microsite are required to register an account at www.eunittrust.com.my to participate.

3.3     Employees of KAF Group are eligible to participate in this Campaign.

4. Campaign Mechanics

4.1     To qualify for the Reward, the Investor must complete the following steps during the Campaign Period:

●    The Investor shall receive a specific promo code via an official electronic Direct Mail (eDM) sent to their registered email with KAF Digital Bank Berhad.

●    The Investor must manually enter the promo code into the “Promo Code” field on the transaction page of the e-Funds microsite during the purchase of KGIEF units.

4.2     Successful application of the promo code is subject to verification by KAF Investment Funds Berhad to confirm the Investor is a valid customer of KAF Digital Bank Berhad.

4.3     Failure to enter the promo code at the point of transaction will result in automatic disqualification from the Campaign for that specific transaction, and no appeals will be entertained.

4.3    This Campaign and the Rewards are strictly limited to successful investments made in KGIEF via the e-Funds microsite. Investments made in other funds or through other distribution channels are not eligible for this Campaign.

5. Reward Structure and Calculation

5.1     The reward consists of a flat RM8 worth of Setel Vouchers for each eligible investor who makes a successful transaction with a minimum investment amount of RM1,000 in KGIEF.

5.2     The incentive is strictly capped at one (1) RM8 Setel Voucher per customer throughout the entire Campaign Period, regardless of the number of investment transactions made or the total investment amount.

●    Example A: An investment of RM10,000 or RM100,000 in a single transaction will entitle the investor to a single (1) RM8 Setel voucher only.

●    Example B: If an investor makes multiple separate transactions of RM1,500 each during the Campaign Period, they will still only receive a single (1) RM8 Setel voucher in total (Total value: RM8 worth of voucher).

5.3    Any subsequent transactions made by the same customer using the promo code during the Campaign Period will not be eligible for additional vouchers.

5.4    There is no maximum limit to the number of vouchers an Investor can earn, provided each transaction meets the minimum threshold and occurs within the Campaign Period.

6. Verification and Data Consent

6.1     By participating in this Campaign and using the Promo Code, the Investor hereby gives express consent to Phillip Mutual Berhad to share their personal identifiers (i.e full name, NRIC/Passport Number, and email) and transaction details with the other Organizers.

6.2     This data sharing is solely for the purpose of verifying the Investor's status as an active and verified KAF Digital Bank Berhad customer and for the fulfilment of the Rewards.

6.3     The Investor agrees that the Organizers shall collect, use and process the Investor’s personal data in accordance with the Personal Data Protection Act 2010 and respective privacy notices of the Organizers, including publishing names and photos (if applicable) for the purpose of administering and marketing of this Campaign. The Organizers’ privacy notice(s) can be accessed here (for KAF Digital Bank Berhad) and here (for Philip Mutual Berhad).

7. Reward Fulfilment and Limitation of Liability

7.1     The Rewards will be distributed to the Investors within forty-five (45) days after the Campaign Period, following a successful verification process conducted by the Organizers.

7.2     Vouchers are subject to availability and will be delivered via the email address registered with the KAF Digital Bank Berhad account.

7.3     The Reward is non-transferable, non-refundable, and non-exchangeable for cash or other credit.

7.4    Each Reward is subject to its own expiry date as stated in the Setel application, and the Organizers shall not extend the validity of any expired Rewards.

7.5     Upon the fulfilment and delivery of the Rewards, the Organizers shall not be held responsible or liable for any loss, damage, theft, expiration, or unauthorised use of the Rewards. Any issues or technical difficulties encountered during the usage of the vouchers on the Setel platform must be directed to the third-party provider (i.e Setel Ventures Sdn Bhd).

8. Disqualification

8.1     The Organisers reserve the right, with or without prior notice to the Investor, to disqualify any Investor, void any transaction, or withhold the Reward under the following circumstances:

●    the Investor is found to have breached or failed to adhere to any of these Terms and Conditions;
●    the investment transaction is cancelled, rejected, or retracted within the cooling-off period;
●    the Investor is determined to be ineligible or is not an active KAF Digital Bank Berhad customer based on the internal verification process of KAF Digital Bank Berhad;
●    there is detection or suspicion of fraudulent activity, unauthorised use of the promo code, or any attempt to manipulate or abuse the transaction system or Campaign mechanics; 
●    there is evidence or suspicion of irregular or improper operation of any account held by the Investor with KAF Digital Bank Berhad; or
●    failure to adhere to any of the Terms and Conditions set herein.

8.2    The Organisers reserves the right to claw back any Rewards credited in error due to technical glitches or fraudulent manipulation.

9.     General Provisions

9.1     Investors are advised to read and understand the Prospectus and Product Highlights Sheet (PHS) of KGIEF, which can be accessed on https://www.eunittrust.com.my/home/KGIEF , before investing. This incentive is a promotional gift and should not distract Investor from making an informed investment decision based on their risk profile and financial goals.

9.2     This Campaign is conducted in accordance with the FIMM Code of Ethics and Marketing Guidelines. No high-pressure tactics have been employed, and all terms are clearly disclosed to ensure transparency.

9.3     The Organizers reserve the right to:

(i)    withdraw, change, suspend, extend, or terminate this Campaign; or
(ii)    amend, modify, or supplement this Terms and Conditions, at any time. Any such changes shall be deemed effective once published on the website of KAF Digital Bank Berhad at hello.kaf.com.my or any other communication medium deemed appropriate, and shall be binding on the Investor immediately upon publication.

9.4     In the event of any dispute arising from or in connection with the Campaign, including the interpretation of these Terms and Conditions, the decision of the Organizers shall be final and binding on the Investor.

9.5    In no event shall the Organizers nor any of its affiliates, officers, servants, employees, representatives and/or agents (including, without limitation, any third party service providers engaged by the Organizers for purposes of this Campaign) be liable to any Investor in this Campaign for any direct, indirect, special or consequential loss or damage arising from or in connection with this Campaign. This includes, but is not limited to, any technical issues, system errors, interruptions, or the Investor’s misuse of the related channels, except where such liability cannot be excluded by law.

9.6     The Investor agrees to indemnify, defend, and hold harmless the Organizers and Setel, as well as its affiliates, officers, and employees against any and all claims, damages, liabilities, costs, and expenses arising out of or related to the Investor’s breach of this Terms and Conditions, or participation in this Campaign.

9.7     This Terms and Conditions shall be governed by the laws of Malaysia and subject to the exclusive jurisdiction of the courts of Malaysia.

9.8     Neither Party (i.e the Organizers or Setel) shall be liable for any failure or delay in performing their obligations where such failure or delay results from any cause beyond the reasonable control of that Party. Such causes include, but are not limited to: power failure, internet service provider failure, pandemic, industrial action, civil unrest, fire, flood, storms, acts of terrorism or war, governmental action or any other event beyond the control of the Party in question.