Tak puas hati? Wang anda dikembalikan penuh dalam 7 hari. Tiada soalan. E-mel hello@bijakdana.com dalam tempoh 7 hari dari tarikh pembelian.
1. Apa yang anda beli
Laporan Dana ialah laporan digital yang disediakan khas untuk bisnes anda berdasarkan jawapan anda: skim untuk dimohon dahulu, apa perlu dibetulkan, senarai semak dokumen, pelan 4 minggu, dan (jika anda isi penilaian) anggaran kapasiti pinjaman serta dilusi pelabur. Ia dihantar melalui e-mel dan pautan peribadi, dan boleh dimuat turun sebagai PDF.
Laporan ini ialah panduan rujukan. Ia bukan nasihat kewangan, bukan tawaran pembiayaan, dan bukan jaminan kelulusan. BijakDana bukan pemberi pinjaman atau broker; setiap penyedia menilai kelayakan sendiri.
2. Harga & pembayaran
Harga dipaparkan sebelum anda membayar (bayaran sekali, dalam Ringgit Malaysia). Pembayaran diproses oleh Stripe melalui kad atau FPX (perbankan dalam talian). Kami tidak menyimpan butiran kad atau akaun bank anda.
3. Penghantaran
Laporan dijana dan dihantar serta-merta selepas pembayaran disahkan. Jika anda tidak menerimanya dalam masa 1 jam, semak folder spam, kemudian e-mel kami. Pautan laporan sah 90 hari; anda boleh minta pautan baharu pada bila-bila masa dari halaman laporan.
4. Jaminan wang dikembalikan 7 hari
- Minta bayaran balik dalam 7 hari dari tarikh pembelian dengan e-mel ke hello@bijakdana.com menggunakan e-mel yang anda guna semasa membayar.
- Anda tidak perlu beri sebab. Kami pulangkan jumlah penuh ke kaedah pembayaran asal.
- Kami proses dalam 2 hari bekerja. Wang biasanya masuk dalam 5–10 hari bekerja, bergantung pada bank anda.
- Selepas bayaran balik, pautan laporan dinyahaktifkan.
5. Ketepatan maklumat
Program pembiayaan, had dan syarat berubah dari semasa ke semasa. Setiap laporan menyatakan tarikh ia disediakan. Had yang dipaparkan ialah had yang dinyatakan penyedia (disahkan) atau ditanda sebagai senarai pihak ketiga. Sila sahkan butiran terkini dengan penyedia sebelum memohon.
6. Data anda
Kami guna maklumat yang anda berikan hanya untuk menyediakan dan menghantar laporan anda, selaras dengan Akta Perlindungan Data Peribadi 2010. Lihat Dasar Privasi.
7. Had tanggungan & undang-undang
Setakat yang dibenarkan undang-undang, tanggungan kami terhad kepada jumlah yang anda bayar untuk laporan. Terma ini tertakluk kepada undang-undang Malaysia. Hak anda di bawah Akta Perlindungan Pengguna 1999 tidak terjejas.
8. Hubungi kami
BijakDana dikendalikan oleh Ad Consilium. Dikemas kini 27 September 2026.
Not happy? Full refund within 7 days. No questions asked. Email hello@bijakdana.com within 7 days of purchase.
1. What you are buying
The Funding Report is a digital report prepared for your business from your answers: the schemes to apply to first, what to fix, a document checklist, a 4-week plan, and (if you ran the valuation) estimated borrowing capacity and investor dilution. It is delivered by email and a private link, and can be downloaded as a PDF.
The report is reference guidance. It is not financial advice, not a financing offer and not a guarantee of approval. BijakDana is not a lender or broker; each provider assesses eligibility itself.
2. Price & payment
The price is shown before you pay (one-time, in Malaysian Ringgit). Payment is processed by Stripe by card or FPX (online banking). We never store your card or bank details.
3. Delivery
The report is generated and delivered as soon as payment is confirmed. If you haven't received it within 1 hour, check your spam folder, then email us. Report links are valid for 90 days; you can request a new link anytime from the report page.
4. 7-day money-back guarantee
- Request a refund within 7 days of purchase by emailing hello@bijakdana.com from the email you paid with.
- No reason needed. We refund the full amount to your original payment method.
- We process it within 2 working days. Funds usually arrive within 5–10 working days, depending on your bank.
- After a refund, the report link is deactivated.
5. Accuracy
Funding programmes, limits and conditions change over time. Every report states the date it was prepared. Limits shown are provider-stated (verified) or marked as third-party listings. Please confirm current details with the provider before applying.
6. Your data
We use the information you provide only to prepare and deliver your report, in line with the Personal Data Protection Act 2010. See the Privacy Policy.
7. Liability & governing law
To the extent permitted by law, our liability is limited to the amount you paid for the report. These terms are governed by Malaysian law. Your rights under the Consumer Protection Act 1999 are not affected.
8. Contact
BijakDana is operated by Ad Consilium. Updated 27 September 2026.