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Account & Membership

Managing Your Account. Learn how to renew your membership, billing, and manage all personal and public profile settings.
By Melvin Lim and 1 other
11 articles

Managing Your Public Profile

1. To access your public profile, navigate through the system. 2. Your public profile is designed as a platform for you to promote your services. 3. On your public profile, you have the ability to: - Upload your photo - Enter your name - Specify your company name - Select your industry from various options, including financial services, insurance, real estate, and healthcare - Inform your customers about your qualifications, such as RFP certificates or Sharia advisory certificates - Describe yourself and indicate how long you have been working in the industry - List the services that you offer - Choose your spoken languages, such as English, Chinese, or Malay - Provide your contact information to allow customers to reach you - Select promotional SDP planning - Include links to your social media profiles and other websites - Customize your profile link 4. After completing the necessary fields, click the "publish" button. 5. You will receive a confirmation message indicating that your profile has been updated successfully. 6. You can then return to your public profile to copy the link using the provided button or view the current version. 7. Your public profile will display the Koha logo, your photo, and your personal information. Customers can contact you by clicking the "contact me" button. The services you offer will also be displayed. 8. Your public profile may also include additional information for customers, such as detailed descriptions of your services and a step-by-step guide on how customers can connect with you. 9. You can copy the link to your public profile and share it with your customers through platforms like WhatsApp or e-mail.

Last updated on Nov 28, 2025

Generating Payment Links and making payment for Will & Trustee Services

Instructions on how to generate payment links for Comprehensive Will Generation and Corporate Trustee Services 1. You can initiate the payment process from two different locations within the platform: Option A: Via Manage Customers Page Navigate to the Manage Customers page from your dashboard. Locate the specific client in your list. Under the Payment Link column, click the Generate button. Option B: Via Client Profile Open the specific Client Profile. Scroll down to the Subscriptions section. Click the red Purchase button. 2. Once the interface opens, follow these steps to set up the request: - Select Product: Choose either Comprehensive Will or Corporate Trustee Services. - Choose Payment Method: - Token Redemption: Select this if you wish to redeem available tokens for a free will. - Payment by Client: Select this if the client is paying for the service directly. - Advisory Fee (Optional): If you are using token redemption, and wish to charge for your consultation services, you may opt to collect an Advisory Fee here. 3. If you have selected Payment by Client, review the details and click Proceed. 4. The system will generate a unique Payment Link. 5. Copy and Send: Share this link with your client via your preferred communication channel. 6. Once the client receives the link, they will be able to view the payment gateway where they can select their preferred payment method (Credit/Debit Card, FPX, GrabPay, GooglePay) 7. Confirmation: Once payment is successful, the service will be activated for the client's account. Note: If you used Token Redemption, no payment link is required; the service will be unlocked immediately upon confirmation.

Last updated on Dec 30, 2025

Specific Will Clauses

Explanation of clauses that are frequently asked about: 1. If I and any beneficiary die simultaneously or in circumstances making it difficult to determine the order of death, it shall be presumed that I predeceased the beneficiary unless otherwise required by law. Layman explanation: If a beneficiary and I die at the same time, or if it's impossible to tell who died first, my will shall treat it as if I passed away before them. This means my assets will officially move to that person first, unless a specific local law forces a different outcome. Simultaneous Death Clause • Under Malaysian common law, if two persons die in circumstances where it is unclear who died first, the younger is presumed to have survived the elder. • However, a testator can override this presumption in the Will. • If the Will states that the testator is deemed to have predeceased the beneficiary, the court will generally give effect to that clause. • Effect: the gift passes to the beneficiary first and may then form part of the beneficiary’s estate (possible double administration). 2. If any beneficiary challenges or contests this will, they shall forfeit their entitlement to any portion of my estate, and their share shall be distributed as if they had predeceased me. Layman explanation: If anyone named in my will tries to sue or legally fight the terms of this document, they will be completely cut out. They will lose their entire inheritance, and I will act as if they died before me so their share goes to my backup choices instead. No-contest (forfeiture) clause • Forfeiture clauses are generally recognised in Malaysia.
 • If a beneficiary challenges the Will, they may lose their entitlement.
 • Their share is treated as if they predeceased the testator.
 • However, the court may not strictly enforce the clause if the challenge is made in good faith (e.g. lack of testamentary capacity, undue influence, improper execution under the Wills Act 1959). 3. In the event that any beneficiary named in this Will does not survive me by 30 days, such beneficiary shall be deemed to have predeceased me, and any benefit that he or she would otherwise have received shall pass to the surviving beneficiary(ies) in accordance with the provisions of this Will. Layman explanation: If anyone I leave money to dies within 30 days of my own death, they will be treated as if they died before I did. Their share will not go to them or their estate; instead, it will skip them and go directly to the next living people I have named in this Will. 30-day survivorship clause • Malaysian law does NOT automatically impose a 30-day survival requirement.
 • If the Will includes a 30-day clause, it is valid and enforceable.
 • If the beneficiary dies within 30 days, they are deemed to have predeceased the testator.
 • Their share passes to substitute beneficiaries or falls into the residuary estate.

Last updated on Feb 10, 2026

Post-Death Action Plan

Guide for Legacy Planners When a Client Passes Away When a client passes away, your role is to provide clear guidance and support the family through the legal transition. 1. Advise on the Grant of Probate (GP) The first priority is to guide the Executor in obtaining legal authority to manage the estate. A Grant of Probate (GP) is a court order that validates the deceased’s Will/Wasiat and authorizes the named Executor to administer and distribute the estate. Without the GP, financial institutions and asset holders will not release or transfer assets. The Executor must: Obtain the Grant of Probate. Settle all outstanding debts, taxes, and liabilities using estate funds. Distribute remaining assets only after liabilities are fully settled. Act in the best interest of the estate and all beneficiaries. 2. Trustee Services (If Applicable) If the client previously engaged trustee services: Assist the family in locating the e-Custody Card or any trustee documentation. Advise the Executor or next of kin to contact the appointed trustee company directly for further instructions. Clarify that the trustee will guide them on the next steps according to the trust structure and terms. 3. Panel Lawyer Quotation Process If the family decides to proceed with Koha Digital’s panel lawyers, we first select a suitable law firm based on the client’s needs. A quotation will then be requested from the chosen firm through the Koha Legacy Panel portal, and the quotation will be sent via email. The quotation should then be presented to the Executor and we assist in facilitating the engagement process. Once the client has formally engaged the panel lawyer and the legal services have been completed, then the Koha Support Team must be informed accordingly FAQ 1. Executor: Does the executor need to make payment to the lawyer upfront to carry out the estate administration after death, or will the legal fees be paid using the deceased’s assets or funds? Answer: The payment has to be made from any fund to appoint lawyer to apply for grant of probate and thereafter the legal fees n other costs for probating the Will can be claimed by executor from the deceased's estate. It does not mean that executor has to pay just has to find fund either from deceased's insurance payout, executor, beneficiaries or any funding to pay then later claim back. 2. Property with MRTA/MLTA: For properties covered by MRTA or MLTA, once the property is transferred to the beneficiary, will the beneficiary still need to continue paying the outstanding loan, or will the MRTA/MLTA fully settle the debt? Answer: For property covered by insurance, upon death the executor/beneficiary shall contact the bank or insurance agent to check whether the insurance can fully cover the housing loan n liaise with bank about the repayment. If can't fully cover then the estate has to repays the loan. Means there's housing loan liability for the estate.

Last updated on Mar 16, 2026

Koha Digital Company Overview (Who & What is Koha?)

Koha Digital is an award-winning Malaysia Digital (MD) status platform operating at the intersection of FinTech, WealthTech, and LegalTech. The name “Koha,” derived from Māori culture, means a “gift of love” or “donation,” reflecting the company’s mission to make legacy planning accessible and affordable for everyone. Institutional Strength and Recognition Koha Digital is supported by strong institutional backing and recognised across both government and industry platforms: - Malaysia Digital (MD) Status: Awarded by the Malaysia Digital Economy Corporation (MDEC), recognising KOHA as a high-growth technology company contributing to Malaysia’s digital economy. - Awarded by the Prime Minister: In 2025, Koha won the MIFC Global Impact Challenge. The award was presented by Prime Minister Datuk Seri Anwar Ibrahim - Industry Validation: Koha Digital has been selected and accelerated by leading programmes including the Securities Commission Malaysia’s Fikra Ace 2024 and Antler, a global venture capital firm backed by Khazanah Nasional. - PayNet Fintech Hub Community: As part of the PayNet Fintech Hub, Koha is among a select group of fintech innovators supported by Malaysia’s national payments network (DuitNow). Legal Integrity and Expert Leadership Ensuring the legal validity of every document created on our platform is our top priority. Koha Digital is guided by a distinguished leadership and advisory team comprising respected figures in Malaysia’s legal and financial sectors: - Chairman, Datuk Wira Mohd Hafarizam Harun: A senior legal practitioner with over 20 years of experience in advisory and dispute resolution. - Distinguished Advisory Board: Guided by an esteemed panel including Tan Sri Dato’ Seri Zulkefli, Datuk Wira Ahmad Nasfy Yasin, Prof. Dr. Ashraf Md. Hashim, and Dato’ Tee Lian Eng. - National Legal Panel: We maintain strategic partnerships with multiple law firms across Malaysia, ensuring our clients have access to qualified legal expertise when it matters most. The Multi-Trustee Advantage: A Market First Koha Digital is currently the first and only digital Will-writing platform in Malaysia that provides the security of partnering with more than one licensed trustee company. Allowing you to choose between institutions such as the bank-backed Affin Hwang Trustee Berhad and Palladium Trustee.

Last updated on May 04, 2026