Refund Policy

Introduction

At MalayFinance, we strive to ensure complete satisfaction with our financial advisory services and digital products. This Refund Policy outlines our guidelines for refunds and cancellations of services or products purchased through our website or directly from our team.

By purchasing any service or product from MalayFinance, you agree to the terms of this Refund Policy.

Financial Advisory Services

Consultation Services

For one-on-one financial consultation services:

• Cancellation with 48+ hours notice: Full refund of the consultation fee
• Cancellation with 24-48 hours notice: 50% refund of the consultation fee
• Cancellation with less than 24 hours notice: No refund will be provided
• No-show: No refund will be provided

We understand that circumstances may arise that prevent you from attending your scheduled consultation. In such cases, rescheduling is available as an alternative to cancellation, subject to availability and with adequate notice.

Financial Planning Packages

For comprehensive financial planning packages:

• Cancellation before initial consultation: Full refund minus a 10% administrative fee
• Cancellation after initial consultation but before delivery of financial plan: 50% refund
• Cancellation after delivery of financial plan: No refund will be provided as the service has been fully delivered

Ongoing Advisory Services

For subscription-based ongoing advisory services:

• You may cancel your subscription at any time
• Refunds are provided on a pro-rata basis for the unused portion of the current billing period
• No refund will be issued for any prior billing periods

Digital Products

E-Books, Reports, and Guides

Due to the digital nature of these products:

• All sales of digital downloads are final and non-refundable once the download link has been accessed
• If you have not downloaded the product and request a refund within 24 hours of purchase, we may consider issuing a refund at our discretion

Online Courses and Webinars

For our educational content:

• Pre-recorded courses: We offer a 7-day money-back guarantee from the date of purchase if you are not satisfied with the course content, provided you have completed less than 25% of the course
• Live webinars:
  • Cancellation 7+ days before the event: Full refund
  • Cancellation 3-7 days before the event: 50% refund
  • Cancellation less than 3 days before the event: No refund
• If a live webinar is canceled or rescheduled by MalayFinance, you will be offered the option of attending the rescheduled event or receiving a full refund

Subscription-Based Digital Services

For premium content subscriptions:

• You may cancel your subscription at any time through your account settings or by contacting our customer support
• No refunds are provided for partial billing periods; your subscription will remain active until the end of the current billing cycle
• For annual subscriptions, a pro-rated refund may be considered on a case-by-case basis if requested within 30 days of the renewal date

Corporate Services and Workshops

For corporate financial education workshops and services:

• Cancellation 30+ days before the event: Full refund minus a 10% administrative fee
• Cancellation 14-30 days before the event: 50% refund
• Cancellation less than 14 days before the event: No refund

Corporate clients may reschedule workshops with at least 14 days' notice without penalty, subject to availability.

How to Request a Refund

To request a refund, please follow these steps:

1. Contact our customer support team at [email protected] with the subject line "Refund Request"
2. Provide your full name, the email address used for the purchase, and the order/transaction number
3. Explain the reason for your refund request
4. Specify your preferred refund method (original payment method, bank transfer, etc.)

We aim to process all refund requests within 5-7 business days of approval. Once processed, it may take an additional 5-10 business days for the refund to appear in your account, depending on your payment provider.

Exceptions and Special Circumstances

We understand that exceptional circumstances may arise. In the following cases, we may consider refund requests outside our standard policy:

• Technical Issues: If you experience significant technical difficulties that prevent you from accessing or using our products or services, despite reasonable troubleshooting efforts
• Duplicate Purchases: If you accidentally purchased the same product or service twice
• Service Not as Described: If the service or product materially differs from what was described at the time of purchase
• Medical or Family Emergencies: With appropriate documentation, we may consider full or partial refunds for serious medical or family emergencies

Each exception will be evaluated on a case-by-case basis. Supporting documentation may be required.

Non-Refundable Items

The following items and services are strictly non-refundable:

• Customized financial plans that have been delivered
• Services that have been fully delivered
• Digital products that have been downloaded or accessed
• Discounted or promotional items marked as "non-refundable" at the time of purchase

Payment Processing Fees

Please note that payment processing fees (typically 2-3% of the transaction amount) are non-refundable. In cases where a full refund is issued, these fees may be deducted from the refund amount.

Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our website. We encourage you to review this Refund Policy periodically for any updates. Your continued use of our services after any changes to this Refund Policy constitutes your acceptance of the changes.

Contact Us

If you have any questions about this Refund Policy or would like to request a refund, please contact us at:

MalayFinance
5 Taylor Crossing
New Seanside, DG11 3JQ
Email: [email protected]
Phone: +446561620025