This Platform Participation Agreement (“Agreement”) governs participation in the Modal Assets investment platform (“Platform”). By registering an account, submitting funds, or participating in any investment plan, the participant (“Participant”) confirms that they have read, understood, and agreed to be bound by the terms set out in this Agreement.

The Platform is operated by QHAZANAH INVESTMENT SDN. BHD., a company incorporated in Malaysia.

Participation is voluntary and limited to individuals who understand the nature of private investment participation and associated risks.

2. Nature of the Platform

Modal Assets operates as a private investment participation platform. The Platform facilitates structured, time-locked investment participation into private business activities and portfolios managed internally.

The Platform does not offer public securities, collective investment schemes, or regulated capital market products. Participation does not constitute a bank deposit, savings account, or guaranteed investment.

3. Eligibility

Participation is restricted to individuals:

  • aged 25 years and above, and

  • who have successfully completed identity verification and internal review processes.

The Platform reserves the right to accept, restrict, suspend, or decline participation at its sole discretion where compliance, risk, or operational concerns arise.

4. Investment Plans and Lock Periods

Investment participation is structured into tier-based plans with fixed durations. Each plan specifies:

  • a defined lock period, and

  • a daily ROI range applicable to that plan.

Once an investment is activated, the capital is locked for the full duration of the selected plan. Early withdrawal is not guaranteed and may not be permitted.

5. Returns and Estimates

ROI figures displayed on the Platform during an active plan are estimates provided for informational purposes only. These estimates do not represent a guarantee of final profit.

Final ROI and payout amounts are confirmed at maturity through an internal administrative verification process.

6. Fees and Revenue Model

The Platform does not charge fees on invested capital.

A management fee is applied only on profit (ROI) and only at maturity, in accordance with the applicable tier. No daily deductions, capital fees, or withdrawal fees are applied.

Referral bonuses, where applicable, are handled separately from investment ROI.

7. Payouts and Processing

At maturity, payouts consist of:

  • original invested capital, and

  • net profit after applicable management fees.

All payouts are subject to verification, internal review, and processing timelines, which may vary based on operational and compliance requirements.

8. Risk Acknowledgement

The Participant acknowledges that:

  • all investments carry risk,

  • returns are not guaranteed, and

  • loss of capital is possible.

Past performance or indicated ROI ranges do not guarantee future outcomes.

9. Suspension and Termination

The Platform reserves the right to suspend accounts, delay processing, or terminate participation where:

  • false information is provided,

  • misuse or abuse of the Platform occurs, or

  • compliance or risk concerns are identified.

10. Limitation of Liability

To the maximum extent permitted by law, the Platform shall not be liable for indirect, incidental, or consequential losses arising from participation.

11. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of Malaysia.