{"id":2335,"date":"2025-01-31T07:43:52","date_gmt":"2025-01-31T07:43:52","guid":{"rendered":"https:\/\/fmos.org.my\/?page_id=2335"},"modified":"2025-07-14T17:53:33","modified_gmt":"2025-07-14T09:53:33","slug":"our-scope","status":"publish","type":"page","link":"https:\/\/www.fmos.org.my\/bm\/our-scope\/","title":{"rendered":"Skop Kami"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2335\" class=\"elementor elementor-2335\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f74844f e-flex e-con-boxed e-con e-parent\" data-id=\"6f74844f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5590ece0 e-flex e-con-boxed e-con e-child\" data-id=\"5590ece0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b229784 elementor-icon-list--layout-inline elementor-align-left elementor-widget__width-inherit elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b229784\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Utama<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Penyelesaian Pertikaian<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Skop Kami<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-834d959 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"834d959\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7a49f2c\" data-id=\"7a49f2c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-eac6905 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eac6905\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b7242b\" data-id=\"3b7242b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9cf0040 elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"9cf0040\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-921\"><a href=\"https:\/\/www.fmos.org.my\/bm\/who-can-file-a-dispute\/\" class=\"elementor-item\">Siapa Boleh Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2340\"><a href=\"https:\/\/www.fmos.org.my\/bm\/our-scope\/\" class=\"elementor-item\">Skop Kami<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2395\"><a href=\"https:\/\/www.fmos.org.my\/bm\/how-to-file-a-dispute\/\" class=\"elementor-item\">Cara Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3635\"><a href=\"https:\/\/www.fmos.org.my\/bm\/dispute-resolution-process\/\" class=\"elementor-item\">Proses Penyelesaian Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2396\"><a href=\"https:\/\/www.fmos.org.my\/bm\/faq\/\" class=\"elementor-item\">Soalan Lazim<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-921\"><a href=\"https:\/\/www.fmos.org.my\/bm\/who-can-file-a-dispute\/\" class=\"elementor-item\" tabindex=\"-1\">Siapa Boleh Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2340\"><a href=\"https:\/\/www.fmos.org.my\/bm\/our-scope\/\" class=\"elementor-item\" tabindex=\"-1\">Skop Kami<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2395\"><a href=\"https:\/\/www.fmos.org.my\/bm\/how-to-file-a-dispute\/\" class=\"elementor-item\" tabindex=\"-1\">Cara Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3635\"><a href=\"https:\/\/www.fmos.org.my\/bm\/dispute-resolution-process\/\" class=\"elementor-item\" tabindex=\"-1\">Proses Penyelesaian Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2396\"><a href=\"https:\/\/www.fmos.org.my\/bm\/faq\/\" class=\"elementor-item\" tabindex=\"-1\">Soalan Lazim<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-34fab41\" data-id=\"34fab41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cad054b e-con-full e-flex e-con e-child\" data-id=\"cad054b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49761e0 elementor-widget elementor-widget-text-editor\" data-id=\"49761e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"color: #1f1454;\">Bidang Kuasa Kami<\/h4><p>FMOS menerima pertikaian yang melibatkan kerugian kewangan langsung tidak melebihi RM250,000 bagi produk dan perkhidmatan berikut yang disediakan oleh Ahli kami: <span style=\"color: #3347fe;\">RM250,000<\/span> bagi produk dan perkhidmatan berikut yang disediakan oleh Ahli-ahli kami:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8e03f5c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e03f5c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-21634f4\" data-id=\"21634f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-907266d elementor-widget__width-initial jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"907266d\" data-element_type=\"widget\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module___6a09b88e1cc5d\" ><div class=\"jkit-icon-box-wrapper hover-from-left\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1.png\" class=\"attachment-full size-full\" alt=\"\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1.png\" source=\"library\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1.png 64w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/bank-1-12x12.png 12w\" sizes=\"(max-width: 64px) 100vw, 64px\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                \n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-dcdac82\" data-id=\"dcdac82\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8208850 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8208850\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<style><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>\n    ul.custom-bullet li::marker {<br \/>\n        color: #3347FE;<br \/>\n    }<br \/>\n<\/style>\n<ul class=\"custom-bullet\">\n \t<li>Produk dan perkhidmatan perbankan, perbankan Islam, perbankan digital, serta instrumen pembayaran seperti pinjaman dan pendahuluan, pembiayaan Islam, salah jual, dan transaksi tidak sah melalui ATM, kad debit\/kredit, perbankan internet atau wang elektronik.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-043f7a8 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"043f7a8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a334303\" data-id=\"a334303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8778524 elementor-widget__width-initial jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"8778524\" data-element_type=\"widget\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__1_6a09b88e1e5eb\" ><div class=\"jkit-icon-box-wrapper hover-from-left\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money.png\" class=\"attachment-full size-full\" alt=\"\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money.png\" source=\"library\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money.png 64w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/save-money-12x12.png 12w\" sizes=\"(max-width: 64px) 100vw, 64px\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                \n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-04b94e4\" data-id=\"04b94e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-350b396 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"350b396\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><style><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>    ul.custom-bullet li::marker {<br \/>        color: #3347FE;<br \/>    }<br \/><\/style><\/p><ul class=\"custom-bullet\"><li>Tuntutan insurans\/takaful bagi hayat, perubatan, kenderaan, perjalanan, dan kerosakan harta pihak ketiga.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bf39c58 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf39c58\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9bd5b1b\" data-id=\"9bd5b1b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f59613a elementor-widget__width-initial jkit-equal-height-disable elementor-widget elementor-widget-jkit_icon_box\" data-id=\"f59613a\" data-element_type=\"widget\" data-widget_type=\"jkit_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-icon-box icon-position- elementor-animation- jeg_module__2_6a09b88e1f9dd\" ><div class=\"jkit-icon-box-wrapper hover-from-left\"><div class=\"icon-box icon-box-header elementor-animation-\"><div class=\"icon style-color\"><img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/safety.png\" class=\"attachment-full size-full\" alt=\"\" url=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/03\/safety.png\" source=\"library\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/safety.png 64w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/safety-12x12.png 12w\" sizes=\"(max-width: 64px) 100vw, 64px\" \/><\/div><\/div><div class=\"icon-box icon-box-body\">\n                \n            <\/div>\n            \n            <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b92082\" data-id=\"7b92082\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8342901 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8342901\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><style><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><br \/>    ul.custom-bullet li::marker {<br \/>        color: #3347FE;<br \/>    }<br \/><\/style><\/p><ul class=\"custom-bullet\"><li>Produk pasaran modal seperti sekuriti termasuk saham, unit amanah, waran, bon runcit, produk berstruktur seperti waran berstruktur dan lain-lain, derivatif (contohnya, niaga hadapan atau opsyen) serta Skim Persaraan Persendirian (PRS) atau melalui pelaksanaan aktiviti pengurusan dana.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-58a77c0 e-con-full e-flex e-con e-child\" data-id=\"58a77c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bb5d1a elementor-widget elementor-widget-text-editor\" data-id=\"0bb5d1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<style>\n    ul li::marker {\n        color: #3347FE; \/* This will change only the bullet color *\/\n    }\n<\/style>\n\n<h4 style=\"color: #1f1454;\"><strong>Aduan yang Tidak Dapat Kami Kendalikan<\/strong><\/h4>\nPertikaian berikut adalah di luar skop FMOS:<br><br>\n<ul>\n    <li>Tuntutan yang melebihi had kewangan sebanyak RM250,000.<\/li>\n    <li>Penetapan harga umum\/produk, yuran dan caj, ciri-ciri produk, kredit\/margin\/pengunderaitan, permohonan penstrukturan atau penjadualan semula pinjaman\/pembiayaan, iaitu keputusan komersial.<\/li>\n    <li>Pertikaian yang difailkan di mahkamah, dirujuk kepada timbang tara atau diputuskan oleh mahkamah atau penimbang tara.<\/li>\n    <li>Pertikaian yang dirujuk 6 bulan selepas tarikh keputusan akhir Ahli.<\/li>\n    <li>Pertikaian yang melebihi tempoh batasan di bawah Akta Had Masa 1953, Ordinan Had Masa (Sabah) (Bab 72) dan Ordinan Had Masa (Sarawak) (Bab 49).<\/li>\n    <li>Pertikaian dengan keputusan akhir\/mengikat daripada FMOS (atau Skim Pendahulunya) kecuali jika terdapat bukti material baharu yang mungkin mempengaruhi keputusan terdahulu.<\/li>\n    <li>Pertikaian berkaitan prestasi produk atau pelaburan pasaran kewangan atau modal, kecuali bagi sebarang dakwaan tidak pendedahan atau salah nyata\/salah jualan oleh Ahli.<\/li>\n    <li>Pertikaian yang melibatkan lebih daripada seorang Pengadu telah dirujuk kepada FMOS tanpa persetujuan Pengadu yang lain, dan FMOS mendapati adalah tidak sesuai untuk menangani pertikaian tersebut tanpa persetujuan Pengadu yang lain.<\/li>\n    <li>Pertikaian yang melibatkan tuntutan yang timbul daripada kecederaan badan atau kematian pihak ketiga.<\/li>\n    <li>Pertikaian terhadap Ahli di mana perintah penggulungan telah dibuat, atau di mana Ahli telah diisytiharkan tidak solven dari segi kewangan oleh mahkamah atau telah menjadi subjek pengisytiharan kejadian keingkaran menurut peraturan-peraturan Perbadanan Tabung Pampasan Pasaran Modal.<\/li>\n    <li>Pertikaian yang melibatkan perkara di bawah siasatan oleh Pihak Berkuasa di mana mereka telah mengeluarkan arahan di bawah Peraturan-Peraturan kepada FMOS untuk tidak meneruskan Proses Penyelesaian Pertikaian.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Home Dispute Resolution Our Scope Our Jurisdiction FMOS accepts disputes with direct financial losses not exceeding RM250,000 for the following products and services provided by our Members: Banking, Islamic banking, digital banking, and payment instrument products and services such as loans and advances, Islamic finances, misselling, and unauthorised transactions via ATM, debit\/credit card, internet banking, [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2335","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the 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