Refund Policy

Last Updated: May 15, 2024

This Refund Policy outlines the terms and conditions regarding refunds for services provided by Malaysia Financial Advisor ("we," "our," or "us"). By purchasing or using our services, you agree to the terms of this Refund Policy.

1. Services Covered

This Refund Policy applies to all paid financial advisory services, consultations, reports, subscriptions, and digital products offered through our website malaysiafinancialadvisor.com or in person.

Our services may include, but are not limited to:

• Personal financial consultations
• Investment advisory services
• Retirement planning services
• Tax planning services
• Property investment advisory
• Digital banking and fintech guidance
• Premium digital content and reports
• Subscription-based services

2. Refund Eligibility

2.1 Consultation Services

For one-time consultation services:

• If you cancel more than 48 hours before your scheduled consultation, you will receive a full refund.
• If you cancel between 24-48 hours before your scheduled consultation, you will receive a 50% refund.
• If you cancel less than 24 hours before your scheduled consultation, no refund will be provided.
• If you fail to attend a scheduled consultation without prior notice, no refund will be provided.

2.2 Financial Reports and Plans

For customized financial reports and plans:

• If you request a refund before we have started preparing your report or plan, you will receive a full refund.
• If you request a refund after we have started but before we have delivered the report or plan, you may receive a partial refund based on the work completed.
• Once a report or plan has been delivered to you, it is generally non-refundable unless there are substantive errors or omissions.

2.3 Subscription Services

For subscription-based services:

• If you cancel within 14 days of your initial subscription (cooling-off period), you will receive a full refund for the current billing period.
• If you cancel after the cooling-off period, your subscription will continue until the end of the current billing period with no refund for the remainder of that period.
• No partial refunds will be issued for unused subscription time after the cooling-off period.

2.4 Digital Products

For downloadable digital products (e-books, templates, calculators, etc.):

• Due to the nature of digital products, all sales are final and non-refundable once the product has been downloaded or accessed.
• If you are unable to download or access the digital product due to technical issues on our end, we will either resolve the issue or provide a full refund.

3. Exceptions and Special Circumstances

3.1 Service Quality Issues

If you believe that the service provided did not meet reasonable professional standards, you may request a refund by submitting a detailed explanation through our complaint form within 14 days of receiving the service. Each case will be reviewed individually, and we may offer:

• A full or partial refund
• Service correction or improvement at no additional cost
• Credit toward future services

3.2 Technical Issues

If technical issues on our end prevent you from accessing or using a paid service, and we are unable to resolve these issues within a reasonable timeframe, you may be eligible for a full or partial refund.

3.3 Force Majeure

In the event that we are unable to provide services due to circumstances beyond our control (such as natural disasters, serious illness, or other unforeseen events), we will offer rescheduling options or, if rescheduling is not possible, a full refund.

4. How to Request a Refund

To request a refund:

1. Contact our customer service team at [email protected] or call +447139998923.
2. Provide your full name, the service purchased, date of purchase, and reason for requesting a refund.
3. Include your order number or transaction ID if available.
4. Submit any relevant documentation that supports your refund request.

We will review your refund request and respond within 5 business days. If your refund is approved, it will be processed within 10 business days. The refund will be issued using the same payment method used for the original purchase.

5. Processing Time

Once a refund is approved:

• Credit card refunds typically appear on your statement within 5-10 business days.
• Bank transfer refunds may take 7-14 business days to process.
• Other payment methods will vary in refund processing time.

Please note that while we process refunds promptly on our end, the time it takes for the refund to appear in your account depends on your financial institution.

6. Currency and Processing Fees

Refunds will be issued in the same currency as the original payment. Any currency conversion costs or differences due to exchange rate fluctuations are not covered by Malaysia Financial Advisor.

Processing fees, transaction fees, or other third-party charges incurred during the original purchase are generally non-refundable.

7. No-Show Policy

If you fail to attend a scheduled consultation or appointment without providing at least 24 hours' notice, it will be considered a "no-show." No-shows are not eligible for refunds, and the service will be marked as delivered.

In cases of emergency or unexpected circumstances that prevent you from providing timely notice, exceptions may be considered on a case-by-case basis.

8. Changes to This 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 services following the posting of changes constitutes your acceptance of such changes.

9. Contact Us

If you have any questions about this Refund Policy, please contact us at:

Malaysia Financial Advisor
Flat 23w Jodie Ports
Marshallberg, TD8 6PQ
Email: [email protected]
Phone: +447139998923

10. Consumer Rights

This Refund Policy does not affect your statutory rights as a consumer. If you are unsure about your consumer rights, please contact your local consumer protection agency for guidance.