Terms of engagement

Last updated 12 August 2026. The practice is CloudKernel Path Advisory, of No. 265 2nd Floor Jln Chan Chin Ann, Kuching, Sarawak, 93100, Malaysia. Contact: reviews@cloudkernelpath.digital, +60 08223-8695.

1. What we agree to do

We provide a financial reading of documents you supply in connection with an application to a payment gateway platform. The scope is the engagement you book — application file review, settlement reading, chargeback and reserve assessment, or a pre-submission readiness memo — as described on this site and confirmed in our written quote.

We do not process payments, open gateway accounts, or act as your agent with a platform unless a separate written instruction says so. Nothing on this site is an offer to underwrite, insure, or guarantee acceptance by any gateway.

2. Your papers

You warrant that you are authorised to send us the statements, reports, and ownership papers you provide, and that they belong to the trading entity named in the engagement. You remain responsible for the completeness of the pack and for any submission you later make to a gateway.

Do not send original identity documents by unsecured means. We will tell you how to transmit statements after the inventory call.

3. Quotes, deposits, and fees

Fees are quoted after an inventory call. A quote is valid for 14 days unless it says otherwise. Work starts when we have received the agreed deposit and a pack that matches the inventory we accepted. Time estimates in working days begin on that date, not on the date of first enquiry.

Deposits, refunds, cancellation, and work already started are set out in the fees and refunds note, which forms part of these terms.

4. Findings are not approvals

A findings memo is our reading of the papers you gave us, dated, for your internal use. It is not a letter of support, not an audit opinion under the Companies Act 2016, and not advice to any payment gateway. A gateway may still decline, request more papers, or apply reserves we did not predict.

5. Confidentiality

We keep application packs confidential and use them only to perform the engagement and to keep records we are required to keep. We do not sell your file. We may refuse or end an engagement if papers appear forged, or if we are asked to write a figure we cannot tie to an exhibit.

6. Liability

We are not liable for a gateway’s decision, for loss of processing, or for delay caused by papers you did not supply. Our aggregate liability for an engagement is limited to the fees you paid for that engagement, except where Malaysian law does not allow that limit (including death or personal injury caused by negligence, or fraud).

7. Site use

This website is informational. It does not create an engagement until we accept a quote in writing. You may not scrape, republish, or present our memos as a gateway’s own underwriting.

8. Law

These terms are governed by the laws of Malaysia. The courts of Sarawak have exclusive jurisdiction, except that we may seek urgent relief elsewhere to protect confidential papers.

9. Changes

If we change these terms, the version in force is the one linked from the quote you accepted. Continued use of the public site after a change applies to new enquiries only.