Payment and Refund Policy

It is the policy of the Simplified Yi Jing Sdn Bhd (the“Academy”) to issue refunds and/or compensation, where appropriate, to students who withdraw from their Programme,

wish to cancel a payment or in other situations covered by this policy.

This policy applies to students who are registered with the Simplified Yi Jing Sdn Bhd (the“Academy”) as online,distance learners, offline or participants.

Any refund will depend on the timing of the withdrawal, the student’s Programme, and where applicable, the particular circumstances of the case, as outlined below.

Full payment must be made before the course otherwise there is no guarantee of seat.

In the case of an incorrect payment due to a printing error, the correct payment will prevail.

Any course fee offered in class is final and student agreed to honour full payment without dispute should there be any shortfall regardless of the reason during the payment process.

Academy reserves to right to recover the amount shortfall from the student.

1. DEFINITIONS

1.1 “Academy” refers to SIMPLIFIED YI JING SDN BHD, including its directors, employees, representatives, and affiliates.

1.2 “Client” refers to any individual or entity who purchases, enrols in, or participates in any Program or Product offered by the Academy.

1.3 “Program” includes all courses, workshops, consultations, memberships, and training services.

1.4 “Product” includes all physical goods, tools, and materials supplied by the Academy.

2. NATURE OF PROGRAM

2.1 The Academy provides educational content, proprietary systems, and structured learning programs.

2.2 The Client acknowledges that all Programs are educational in nature and do not guarantee specific results.

2.3 Outcomes depend on the Client’s effort, application, and external factors beyond the Academy’s control.

3. COMMITMENT-BASED ENROLMENT

3.1 All Programs are structured as commitment-based learning and transformation programs.

3.2 By enrolling, the Client agrees to commit to the Program structure and delivery.

3.3 Withdrawal, non-participation, or change of mind does not automatically entitle the Client to a refund and will be assessed under Clause 6.

4. ADVANCE COURSE INTEGRATION (易行天下)

4.1 易行天下 forms an integral part of the Academy’s Advance Course structure.

4.2 Upon enrolment, administrative processing, resource allocation, and access to proprietary systems and materials will be initiated.

4.3 Registration fees and deposits are non-refundable.

4.4 Any portion of the Program that has been accessed, attended, or made available shall be deemed delivered and consumed.

4.5 Any remaining portion, if applicable, shall be reviewed under Clause 6.

5. ACCESS AND VALUE CONSUMPTION

5.1 Access to any digital materials, recordings, systems, or proprietary content constitutes delivery of value.

5.2 Once access is granted, such value is deemed consumed.

5.3 No refund shall apply to accessed or unlocked content.

6. REFUND & RESOLUTION POLICY

6.1 General Principle

6.1.1 Refunds are not automatic and will be assessed based on:

a. Delivery status

b. Usage

c. Costs incurred

d. Reasonableness of the request

6.2 Non-Refundable Components

6.2.1 The following are non-refundable:

a. Registration fees

b. Deposits

c. Administrative and processing fees

d. Materials accessed or issued

e. Sessions attended or delivered

f. Products opened, used, or collected

6.3 Services and Programs

6.3.1 Where cancellation occurs, the Academy may retain:

a. Administrative costs

b. Payment processing fees

c. Value of materials provided

d. Value of services delivered

6.3.2 Any remaining portion may be refunded, credited, or otherwise resolved based on fairness and applicable law.

6.4 Pre-Order and MOQ Products

6.4.1 Certain Products are procured under Minimum Order Quantity (MOQ) or batch production.

6.4.2 Upon confirmation, production and procurement commitments are made and costs are allocated per unit.

6.4.3 In the event of cancellation, the Academy may deduct:

a. Allocated production cost

b. Supplier commitments

c. Logistics and procurement costs

d. Administrative and payment processing fees

6.4.4 Any remaining balance shall be assessed and resolved accordingly.

6.5 Third-Party Transaction Fees

6.5.1 Payments processed through third-party gateways (including but not limited to credit cards, e-wallets, and online payment providers) are subject to non-refundable transaction fees imposed by such providers.

6.5.2 In the event of any refund, such third-party fees may be deducted as they are not retained by the Academy.

6.6 Resolution Priority

6.6.1 The Academy may, before issuing any refund, offer:

a. Deferment

b. Transfer

c. Credit

6.7 Refund Request Timing

6.7.1 Any request for refund must be submitted within a reasonable period from the date of purchase or issue.

6.7.2 The determination of a reasonable period shall take into account the nature of the Program, timing of delivery, and whether value has already been consumed.

6.7.3 For administrative efficiency, the Academy recommends that requests be submitted within seven (7) days; however, each request shall be assessed based on the circumstances, including whether value has already been delivered or costs incurred.

6.8 Exceptional Circumstances

6.8.1 In cases involving serious illness, force majeure, or other reasonable grounds supported by documentation, the Academy may review the matter on a case-by-case basis.

6.9 Initial Payment, Deposit and Non-Refundable Components

6.9.1 Upon enrolment, booking, or confirmation of any Program or Service, the Client shall make an initial payment which may comprise a combination of:

a. A non-refundable deposit;

b. Administrative and onboarding costs;

c. Resource allocation and scheduling commitments;

d. Access to proprietary materials, systems, or content;

e. Other preparatory and operational costs incurred by the Academy;

f. The specific allocation and proportion of such components may vary depending on the Program and shall be communicated to the Client prior to enrolment, including through invoice, payment documentation, or written communication.

6.9.2 The Client acknowledges that such initial payment may represent a substantial portion of the total Program fee due to the front-loaded nature of value delivery and cost allocation, including but not limited to:

a. Reservation of trainer time and program capacity;

b. Internal administrative processing and coordination;

c. Activation of systems and access to proprietary frameworks;

d. Preparation, planning, and operational deployment of the Program.

6.9.3 Where access to any materials, systems, recordings, or proprietary content has been granted, such access shall constitute delivery and consumption of value and shall not be refundable.

6.9.4 Accordingly, a portion of the initial payment shall be non-refundable to the extent that it represents:

a. A reasonable deposit;

b. Value already delivered;

c. Costs already incurred by the Academy.

6.9.5 The Client acknowledges and agrees that such allocation of the initial payment is reasonable, proportionate, and represents a genuine pre-estimate of costs and value delivered, and does not constitute a penalty.

6.9.6 In the event of cancellation, withdrawal, or non-completion by the Client, the Academy shall be entitled to retain:

a. The non-refundable deposit component;

b. Any administrative, onboarding, or processing costs incurred;

c. The value of any materials, systems, or content accessed;

d. Any other costs reasonably incurred prior to cancellation.

6.9.7 Any remaining balance, if applicable, shall be assessed for refund, credit, or alternative resolution in accordance with this Policy and applicable law.


7. DELIVERY AND FULFILMENT

7.1 Hybrid Learning and Delivery Adjustment

7.1.1 Programs may be delivered through online, offline, or hybrid formats.

7.1.2 The Academy reserves the right to modify delivery methods due to operational, logistical, or external circumstances.

7.1.3 Any such modification shall not constitute non-fulfilment provided that substantially similar value and learning outcomes are delivered.

7.1.4 Change in delivery format shall not be a valid ground for refund.

8. PAYMENT TERMS AND DEFAULT

8.1 Installment Plans

8.1.1 Where payment is made via installment or deferred payment arrangements, the Client remains liable for the full agreed amount.

8.2 Default in Payment

8.2.1 In the event of missed or discontinued payments:

a. The Academy reserves the right to suspend or terminate access

b. Any outstanding balance shall remain payable

c. The Academy may take necessary steps to recover the balance

8.3 Enforcement and Recovery of Outstanding Amounts

8.3.1 In the event of any default, non-payment, or failure to complete agreed instalment payments, the Client shall remain fully liable for the outstanding balance.

8.3.2 The Academy reserves the right to take all reasonable and lawful steps to recover any outstanding sums, including but not limited to:

a. Suspension or termination of access to Programs or Services

b. Engagement of legal counsel

c. Engagement of third-party debt collection agencies

d. Initiation of legal proceedings

8.3.3 The Client agrees that all reasonable costs incurred by the Academy in the recovery of such outstanding amounts, including administrative, legal, and collection fees, may be added to the total amount due, to the extent permitted by law.

8.3.4 The Academy shall exercise such rights in a reasonable and proportionate manner in accordance with applicable laws and regulations.

8.3.5 The Client acknowledges that failure to make payment constitutes a breach of contract and may affect their eligibility for future Programs or services offered by the Academy.

9. CODE OF CONDUCT

9.1 The Client shall conduct themselves respectfully and professionally.

9.2 Prohibited conduct includes:

a. Disruption of sessions

b. Harassment or abuse

c. Unauthorised promotion

d. Misuse of Academy platforms

9.3 The Academy may terminate access for breach of conduct.

9.4 Fees paid shall be retained subject to proportionate value delivered.

10. INTELLECTUAL PROPERTY

10.1 All materials and systems are proprietary.

10.2 The Client shall not reproduce, distribute, or share content without consent.

10.3 Breach may result in legal action.

11. MEDIA CONSENT

11.1 The Academy may capture photos, videos, or testimonials during Programs for educational or promotional use.

11.2 By participating, the Client grants consent for such use.

11.3 The Client may opt out by providing written notice to the Academy prior to or during the Program.

12. ANTI-DISPARAGEMENT AND NON-DISRUPTION

12.1 The Client shall not make false, misleading, or damaging statements about the Academy.

12.2 The Client shall not incite disruption or withdrawal by others.

13. Breach and Consequences

13.1 In the event of any breach of this Clause, the Academy reserves the right to:

a. Immediately suspend or terminate the Client’s access to any Program or Service

b. Retain all fees paid, subject to applicable law

c. Take appropriate legal action where necessary

13.2 The Client shall be liable for any loss, damage, or harm suffered by the Academy arising from such breach, including but not limited to reputational damage, business disruption, and loss of revenue, to the extent permitted by law.

13.3 The Academy reserves the right to seek injunctive relief or other equitable remedies where necessary to prevent ongoing or further harm.

14. DISPUTE MANAGEMENT

14.1 All disputes must first be submitted in writing.

14.2 The Academy shall be given reasonable opportunity to resolve the matter.

14.3 Parties shall attempt amicable resolution before escalation.

15. LIMITATION OF LIABILITY

15.1 The Academy shall not be liable for indirect or consequential losses.

15.2 The Client assumes responsibility for decisions made based on Program content.

16. GOVERNING LAW

16.1 This Agreement is governed by the laws of Malaysia.

16.2 Nothing in this Agreement excludes rights under the Consumer Protection Act 1999.

17. FINAL ACKNOWLEDGEMENT

17.1 By making payment, the Client confirms that they:

a. Have read and understood this Agreement

b. Agree to all terms

c. Accept the Resolution Framework

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