Terms of Use & Purchase Terms

AngkaHarta is an analytics and decision-support tool. Its outputs are informational and are not financial, legal, tax, valuation, accounting or investment advice, and are not a recommendation to buy, sell, finance or hold any property. You remain responsible for your own decisions and should seek advice from appropriately licensed or qualified professionals where required.

BMAngkaHarta ialah alat analitik dan sokongan keputusan. Hasilnya bersifat maklumat sahaja dan bukan nasihat kewangan, undang-undang, cukai, penilaian, perakaunan atau pelaburan, dan bukan cadangan untuk membeli, menjual, membiayai atau memegang mana-mana hartanah.

Every result is calculated from the figures and assumptions you enter, including purchase price, rebates, financing terms, costs, rental income, vacancy, expenses, appreciation and exit assumptions. If an input is inaccurate or incomplete, the output will be too.

BMSetiap keputusan dikira daripada angka dan andaian yang anda masukkan. Jika input tidak tepat atau tidak lengkap, hasilnya juga tidak tepat.

Projections such as IRR, NPV, cash-on-cash return, debt coverage ratio and exit scenarios are scenario-based estimates and will differ from actual results. No return, yield, appreciation, approval or outcome is promised or guaranteed. Figures shown on this website are illustrative examples only.

BMUnjuran seperti IRR, NPV, pulangan tunai dan senario keluar adalah anggaran berasaskan senario dan akan berbeza daripada keputusan sebenar. Tiada pulangan atau hasil dijamin.

New registered users receive 3 free Property Analyses.

The first paid purchase is RM39 for 20 Property Analyses and includes the Property Investment Metrics Playbook.

Repeat purchases of the RM39 pack add 20 Property Analyses only; the Playbook is granted once and repeat purchases do not create a further Playbook entitlement.

A RM15 Quick Top-Up of 5 Property Analyses is available only to customers who have already completed a RM39 purchase. It is not offered as a first purchase.

All purchases are one-time payments. There is no subscription and no auto-renewal. Unused purchased analyses remain available until used. One successful newly generated and saved analysis consumes one analysis; reopening, sharing or downloading an existing saved analysis consumes none. Saved analysis results are retained for approximately 30 days.

BMPengguna berdaftar baharu menerima 3 Analisis Hartanah percuma. Pembelian berbayar pertama ialah RM39 untuk 20 Analisis Hartanah termasuk Playbook. Pembelian RM39 berulang menambah 20 analisis sahaja — Playbook diberikan sekali sahaja. Quick Top-Up RM15 untuk 5 analisis hanya untuk pelanggan yang telah membuat pembelian RM39. Semua pembelian adalah bayaran sekali sahaja tanpa langganan. Analisis yang dibeli dan belum digunakan kekal tersedia sehingga digunakan. Satu analisis baharu yang berjaya dijana dan disimpan menggunakan satu analisis; membuka semula, berkongsi atau memuat turun analisis tersimpan tidak menggunakan sebarang analisis. Keputusan analisis tersimpan dikekalkan lebih kurang 30 hari.

Web purchases are processed by ToyyibPay. Payment details are entered on the payment processor's own pages; AngkaHarta does not request or store your online-banking login credentials.

A payment may be pending (not yet confirmed — nothing is added until confirmation), failed or cancelled (nothing is added), or successful (the analyses recorded by our backend are added to your account, together with Playbook access where applicable). Being redirected to ToyyibPay, or returning to AngkaHarta afterwards, does not by itself mean a payment succeeded. Analyses and any applicable Playbook entitlement are granted only after a successful payment is verified and confirmed by our backend. Your balance always reflects the backend record, not the page you were redirected to.

The selected product, quantity and price are displayed before you initiate a purchase. Selecting the purchase action may take you directly to ToyyibPay's secure checkout, so please verify these details before proceeding.

BMPembelian web diproses oleh ToyyibPay. Pembayaran boleh berstatus belum disahkan (tiada penambahan sehingga disahkan), gagal atau dibatalkan (tiada penambahan), atau berjaya. Diarahkan ke ToyyibPay atau kembali ke AngkaHarta dengan sendirinya bukan pengesahan pembayaran berjaya; analisis dan kelayakan Playbook (jika berkenaan) hanya diberikan selepas pembayaran berjaya disahkan oleh sistem kami. Produk, kuantiti dan harga dipaparkan sebelum anda memulakan pembelian, dan tindakan pembelian mungkin membawa anda terus ke checkout selamat ToyyibPay. Sila semak butiran tersebut terlebih dahulu.

Purchase issues are handled under our Refund & Payment Resolution policy, which forms part of these terms.

BMIsu pembelian dikendalikan mengikut Polisi Bayaran Balik & Penyelesaian Pembayaran kami, yang merupakan sebahagian daripada terma ini.

The Property Investment Metrics Playbook is provided under a personal, non-exclusive, non-transferable licence. You may download and keep a personal copy. You may not resell, redistribute, republish, share publicly, sublicense or reproduce it commercially without our prior written permission. Additional analyses purchases do not create additional Playbook licences or entitlements.

BMPlaybook diberikan di bawah lesen peribadi, bukan eksklusif dan tidak boleh dipindah milik. Anda boleh memuat turun dan menyimpan salinan peribadi. Anda tidak boleh menjual semula, mengedar, menerbitkan semula, berkongsi secara awam, melesenkan kecil atau menghasilkan semula secara komersial tanpa kebenaran bertulis kami. Pembelian analisis tambahan tidak mewujudkan lesen Playbook tambahan.

If something looks wrong with a purchase, a balance or a saved analysis, contact us at support@angkaharta.com or through the contact form, with the date, amount and payment reference.

BMJika terdapat masalah dengan pembelian, baki atau analisis tersimpan, hubungi kami di support@angkaharta.com atau melalui borang hubungan dengan tarikh, jumlah dan rujukan pembayaran.

Use the service lawfully. Do not attempt to disrupt, overload, probe or gain unauthorised access to the service or its backend, submit false or automated entries, scrape or resell the content, share your account credentials, or present the outputs to others as professional advice or as a guaranteed result.

BMGunakan perkhidmatan secara sah. Jangan mengganggu, membebankan atau cuba mendapatkan akses tanpa kebenaran, menghantar entri palsu, mengaut atau menjual semula kandungan, berkongsi kelayakan akaun, atau membentangkan hasilnya sebagai nasihat profesional atau hasil yang dijamin.

The AngkaHarta name, branding, website content, layout and analysis presentation are owned by AngkaHarta and may not be copied or redistributed without permission. Reports generated from your own inputs remain yours to use for your own purposes.

BMNama, penjenamaan, kandungan dan persembahan analisis AngkaHarta adalah milik AngkaHarta. Laporan yang dijana daripada input anda kekal milik anda untuk kegunaan sendiri.

The service is provided on an as-available basis. We may change, suspend or discontinue features, and we do not guarantee uninterrupted or error-free operation.

BMPerkhidmatan disediakan atas dasar sedia ada. Kami boleh mengubah, menggantung atau menghentikan ciri tertentu dan tidak menjamin operasi tanpa gangguan.

To the extent permitted by law, AngkaHarta is not liable for losses arising from decisions made in reliance on the outputs, from inaccurate inputs, or from temporary unavailability of the service. Nothing in these terms excludes or limits any right or remedy that cannot lawfully be excluded or limited.

BMSetakat yang dibenarkan undang-undang, AngkaHarta tidak bertanggungjawab atas kerugian akibat keputusan yang dibuat berdasarkan hasil analisis, input yang tidak tepat, atau ketidaksediaan sementara. Tiada apa-apa dalam terma ini mengecualikan hak atau remedi yang tidak boleh dikecualikan di sisi undang-undang.

These Terms are governed by the laws of Malaysia, subject to any mandatory rights and remedies available to consumers under applicable law.

BMTerma ini ditadbir oleh undang-undang Malaysia, tertakluk kepada hak dan remedi mandatori yang tersedia kepada pengguna di bawah undang-undang yang berkenaan.

If you have a complaint about the service or a purchase, contact support@angkaharta.com. We will review the matter in accordance with these Terms and the Refund & Payment Resolution Policy.

BMJika anda mempunyai aduan mengenai perkhidmatan atau pembelian, hubungi support@angkaharta.com. Kami akan menyemak perkara tersebut mengikut Terma ini dan Polisi Bayaran Balik & Penyelesaian Pembayaran.

AngkaHarta, operated by Zairi Ali (individual operator), Cybersouth, 43800 Dengkil, Selangor, Malaysia. Email: support@angkaharta.com. Phone: 018-765 8581. Further details are on the service disclosure page. We may update these terms as the service develops; the version published here is the current one.

BMAngkaHarta, dikendalikan oleh Zairi Ali (pengendali individu), Cybersouth, 43800 Dengkil, Selangor, Malaysia. E-mel: support@angkaharta.com. Telefon: 018-765 8581. Terma ini boleh dikemas kini dari semasa ke semasa.