DinarPal can protect your wealth by offering you
to buy at least 0.5 gram of gold bar every month
and keep it in DinarPal secure vault.
It also can offer you to start purchase things
using dinar and dirham among members, remain your purchasing power and inflation-free. DinarPal also can offer you to get some short-term loan without interest.
You can also transfer money and gram between account holders
Online purchase & pawn
We got an approval from Cooperative Commission of Malaysia under the Ministry of Domestic Trade, Co-Operatives and Consumerism of Malaysia to operate Ar-Rahnu and Central Bank of Malaysia (BNM) representative also involved in the approval process
As clearly stated in the para 6.3 in the Bank Negara Malaysia (BNM) Guideline
On Electronic Money (E-Money) "An issuer of e-money shall be a company incorporated
under the Companies Act 1965" Since we are the cooperative body registered under
the Cooperative Act 1993 Sub Section 7 (1) means that we are not significant to be
regulated under BNM directly but we must be regulated under Malaysia Cooperative Societies Comission
with the supervision of BNM.
We are not collecting any deposit from public and not offering or promised any return / yield or use
any public fund to make profit. If we need to do so in future we will comply with SKM Guildeline for
none-members deposit taking. Thanks
Even though DinarPal make every effort to ensure the accuracy of contents of this site, including but not limited to illustrations, prices, product details, weights and technical data, DinarPal shall not be responsible for any errors or omissions contained herein.
Direct bank transfers require you to consent to DinarPal linking to your account,
and allow you to perform deposits or redemptions from the
comfort of your home. Direct transfers typically have lower
costs and faster transfer times. Bank wire transfers must be
initiated with your bank for deposit by providing them with the
required wiring instructions to send funds to DinarPal.
When you send payment, the recipient is not required to accept it. Any unclaimed, refunded or
denied payment will be returned to your balance or to original Payment Method. We will return any unclaimed payment to you within 30 days of the date you initiate the Payment.
If you hold a balance, DinarPal will hold your funds in pooled accounts separate from its corporate funds, and it will not use yours for its operating expenses or for any other corporate purpose. DinarPal may receive interest on amounts that DinarPal holds on your behalf.
We need your identification to make sure there is no fake account. We are committed to ensuring the safety of your personal data. To prevent unauthorized access and we have implemented prevention methods physical, electronic, and appropriate verification procedures to safeguard and ensure the security of personal data collected from you and / or from other sources.
The benefit from the DinarPal vault is it fully insured which every gram of gold and silver is insured through the YAPIEM Group of Insurance, low storage fees, the financial reporting and also the withdraw anytime at the store in Malaysia.
Yes. We are committed to ensure that personal data that we collect from you are accurate,
complete, not misleading and up to date. Please contact us if there are any changes to
your personal data or if you believe that the personal data we hold is inaccurate,
incomplete or not up to date.Under the Personal Data Protection Act 2010, you have the
right to access your personal data. If you want to access your personal data,
please contact us. Please note that we may charge a small fee depending on the
information requested. We may also take steps to verify your identity prior to fulfill
your request to access your personal data.
You will be given the notification about every transaction and if there is unauthorized access to your account or transaction, you should immediately notify DinarPal.
You also can view all transaction in the Transaction.
DinarPal use the HTTPS (HTTP Secure) for protection of the private and integrity of an
exchanged data. HTTPS provide authentication of the website and associated web server
with which one is communicating,
which protects against man-in-the-middle attacks.
Yes, the DinarPal Mobile App for iOS and DinarPal Mobile App for Android follow the same privacy and security standards that
the DinarPal desktop platform adheres to. You can be confident that using the DinarPal Apps will be safe and secure, protecting
the confidentiality of your DinarPal account information and the integrity of all transactions using military grade encryption.
We are committed to protecting the security of your account information when you transact online or through the mobile app.
In sha Allah you will be safe with us. We provide the 24/7 security services with close monitoring and
every gram is fully insured. For the security of your information during transmission is ensured.
We guarantee secure data transmission by using Secure Sockets Layer (SSL short) protocol.
With SSL, your personal information you enter on our Web site will be encrypted and can thus be read only by us.
The SSL encryption protocol has been established as the market standard for data over the Internet and is
continuously being developed.
If your phone is lost or stolen, it is unlikely that that someone could access your
account information unless they know your DinarPal email and password. However, to be safe,
please contact email@example.com as soon as possible.
To make an order, log into your DinarPal Account with your user ID and password, and then click on the “Keep”. Click “Purchase & Keep” if you would like to buy the gold from DinarPal and keep in DinarPal vault; or click “Courier & Keep” if you would like keep the gold in DinarPal vault and send to DinarPal using courier services. Thereafter, you will receive order confirmation email after successful purchase. If you wish to sell to DinarPal other type of products not listed in the website, please contact us by clicking the link.
To ensuring the safety of your personal data from unauthorized access, we have implemented prevention method physical, electronic, and appropriate verification procedures to safeguard and ensure the security of personal data collected from you and / or from other sources.
We may update this Privacy Notice from time to time. If there are significant changes to the Privacy Notice, we will notify you by posting notice of such change on our website or send you a notification directly. Check back to the Privacy Notice from time to time so that you are always aware of how we protect your information.
Should you experience any interruptions at any stage while performing a transaction at DinarPal, we advise you to check the status of the transaction by checking your account balance to confirm whether the transaction was successful.
We only retain your user data for 30 days from the data of deactivation after which we begin the process of deleting your account from our system which can take up to a week, as provided in our Private Policy, unless there is a separate arrangement between you and DinarPal to extend your deactivation period. You may reactive your account at any time during these 30 days by logging in.
At any time you can choose to redeem your gold, either in physical gold, or point and discontinue use of your account. If you have further questions, please contact us at firstname.lastname@example.org or visit our Support Center.
In the unfortunate event of user death or incapacitation, we will take instructions in respect of your account from your authorized executor or administrator upon delivery of sufficient proof of authority of such executor or administrator.Please contact email@example.com for assistance.
To be eligible to use DinarPal Services, you must be at least 18 years old (or the applicable age of majority and contractual capacity if you reside in a jurisdiction where the age of majority or contractual capacity is above 18 years of age). By accessing or using DinarPal services you represent and warrant that you are at least of the applicable age of majority and contractual capacity in the jurisdiction in which you reside.
As you send and receive payments, make deposits, or request redemptions, you'll receive a corresponding notification in the app. The notification alert will sound and the notification icon will change.
Clear your notifications by tapping 'Clear All' on the detailed view. The notifications view will close and you will receive a confirmation. You can confirm that your notifications are clear by re-opening the detailed view.
DinarPal Coop can protect your wealth by offering you to buy at least 0.5 gram of gold bar every month and keep it in DinarPal Coop secure vault. It also can offer you to start purchase things using dinar and dirham among member, Remain your purchasing power and inflation-free. DinarPal Coop also can offer you to get some short-term loan without interest.
Yes. This is because the share modal will be used for main activity DinarPal Coop which is Ar-Rahnu (Pajak Gadai) where gave the fast and easy loan to member or non-member. The loan rate is about 50% to 80% of the value of the gold (gram).
The different is DinarPal ArRahnu give the high loan and low safe keeping fees. This will attract people use DinarPal. DinarPal revenue also more than other conventional ArRahnu which is revenue conventional ArRahnu only from keeping fee and pawn product. Moreover DinarPal has another ten (10) sources which is verification fee, activation fee, ArRahnu fee, transaction fee, amanah deal fee and keep fee. This proved that DinarPal will go further than other.
For those register with Koperasi or who sign first Koperasi meeting should pay the share in three (3) month of registration that accepted by Koperasi.
For being member, should pay the entering fee MYR 100 and also settle the entering share.
“Micropayments for Digital Goods” means DinarPal Service offered to certain qualifying Merchants who sell Digital Goods that, among other things, offers micropayments pricing and integrated website tools.
“Verified Account” means an Account status that reflects that DinarPal has verified that an Account holder has legal control of one or more of his or her Payment Methods. A Verified Account status does not constitute an endorsement of a User or a guarantee of a User’s business practices.
A payment processed by DinarPal through the Virtual Terminal flow that is funded directly by a credit or debit card and not through an Account. “User” means any person or entity using the DinarPal Services including you.