Refund Policy

Last Updated: July 15, 2023

Thank you for purchasing products or services from Malaysia Financial Guide. We are committed to providing our customers with high-quality financial information, resources, and services. This Refund Policy outlines our guidelines regarding refunds for our products and services.

1. Digital Products and Online Courses

For digital products, e-books, and online courses purchased through our website:

• 14-Day Money-Back Guarantee: We offer a 14-day money-back guarantee for most of our digital products and online courses. If you are not satisfied with your purchase, you may request a full refund within 14 days of the purchase date.
• Refund Request Process: To request a refund, you must contact us at [email protected] with your order number and a brief explanation of why you are requesting a refund.
• Refund Eligibility: To be eligible for a refund, you must have accessed less than 30% of the course content or digital product.
• Non-Refundable Items: Certain items may be explicitly marked as non-refundable at the time of purchase. These items are not eligible for refunds unless required by Malaysian law.

2. Subscription Services

For subscription-based services offered through our platform:

• Prorated Refunds: If you cancel a subscription before the end of your billing cycle, we may provide a prorated refund for the unused portion of your subscription, depending on the specific terms of the subscription service.
• Cancellation Process: You can cancel your subscription at any time through your account settings on our website or by contacting our customer support team at [email protected].
• Trial Periods: If you cancel during a free trial period, you will not be charged, and no refund will be necessary.

3. Workshops and Events

For in-person or virtual workshops, seminars, and events:

• Cancellation by Customer:
  • More than 14 days before the event: Full refund minus a 10% administrative fee.
  • 7-14 days before the event: 50% refund.
  • Less than 7 days before the event: No refund, but you may transfer your registration to another person or receive a credit for a future event.
• Cancellation by Malaysia Financial Guide: If we cancel an event, you will receive a full refund of your registration fee or, if you prefer, a credit toward a future event.
• Event Changes: If we significantly change the date, location, or content of an event, you will be entitled to a full refund if you choose not to attend.

4. Financial Consultations

For one-on-one financial consultations or advisory services:

• Cancellation Policy:
  • More than 48 hours before the scheduled consultation: Full refund.
  • 24-48 hours before the scheduled consultation: 50% refund.
  • Less than 24 hours before the scheduled consultation: No refund.
• Rescheduling: Consultations may be rescheduled without penalty if requested at least 24 hours in advance, subject to availability.
• No-Shows: If you fail to attend a scheduled consultation without prior notice, no refund will be provided.

5. Payment Processing and Refund Timeframes

Once we approve your refund request:

• Credit/Debit Card Payments: Refunds will be processed back to the original payment method within 5-10 business days, depending on your card issuer's policies.
• Bank Transfers: Refunds via bank transfer may take 7-14 business days to process.
• Other Payment Methods: Refunds for other payment methods will be processed according to the policies of the respective payment processors.

6. Special Circumstances

We understand that special circumstances may arise. In cases of:

• Technical Issues: If you experience significant technical issues that prevent you from accessing our products or services, and our technical team cannot resolve them, you may be eligible for a refund outside our standard policy.
• Medical Emergencies: In the event of a serious medical emergency that prevents you from using our services, we may consider extending the refund period or providing alternative accommodations with proper documentation.
• Extraordinary Circumstances: Other extraordinary circumstances will be evaluated on a case-by-case basis.

7. Exceptions to the Refund Policy

The following situations are generally not eligible for refunds:

• Changes in personal circumstances or financial situation after purchase.
• Dissatisfaction with the content after accessing more than 30% of a digital product or course.
• Items explicitly marked as non-refundable at the time of purchase.
• Services that have been fully delivered.

8. Customer Satisfaction Guarantee

Despite the formal refund policy outlined above, our primary goal is customer satisfaction. If you have concerns about a purchase or service, we encourage you to contact our customer support team to discuss your situation, even if it falls outside our standard refund parameters. We will make reasonable efforts to resolve any issues and ensure your satisfaction with our products and services.

9. Changes to the Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our website. It is your responsibility to review this Refund Policy periodically for changes. Your continued use of our products and services following the posting of changes constitutes acceptance of those changes.

10. Contact Us