Terms of use and refunds

These terms have two parts. Part A applies to everyone who uses this website. Part B applies when you register for or buy a paid course, membership or event from us. Please also read our Privacy Notice.

A. Website terms of use

1. About these terms

This website is operated by CY Academy Group Sdn. Bhd. (1367922-U), Level 9, Tower 1, Mercu Mustapha Kamal, Neo Damansara, 47820 Petaling Jaya, Selangor (“CY Academy”, “we”, “us”). By using this website, you agree to these terms. If you do not agree, please do not use the website.

You must be 18 or older to register for our webinars, courses or services through this website.

If you register for or buy a course, Part B and your Order Form also apply; if they conflict with Part A, the Order Form and Part B prevail.

We may update these terms from time to time by posting a new version on this page, so please check it now and then. Continuing to use the website after a change means you accept it. Changes to Part B are made with prior notice (see section 26).

2. Education only, not advice

Our website, webinars, courses and materials are for education only. They are general in nature, do not take your personal financial situation into account, are not investment, financial, legal or tax advice, and are not a recommendation to buy or sell any property. Property investment carries risk, and everyone’s situation is different. Make your own decisions based on your own circumstances and, where needed, consult a licensed professional.

FinDoctor.my is not a lender. Any financing amount, interest rate, tenure or approval depends on each bank’s requirements, documents, credit assessment and final approval.

3. Member stories and results

Member stories on this website are real experiences of individual people, shared with their consent. They are not typical results and do not promise that you will get the same results. Your results depend on your own decisions, effort, finances and market conditions.

4. Accuracy of information and prices

We try to keep this website accurate and up to date, but it may contain errors, omissions or information that is out of date. It is for general information and should not be your only basis for making decisions. We correct errors as soon as we find them, and may update information at any time.

Membership and course prices are not listed on this website. The fee, what is included and the payment terms for each paid course or service are confirmed in writing in the Order Form before you pay. Prices may change, but a change does not affect an order you have already confirmed.

5. Using this website

You may use this website only for lawful purposes. You must not:

• break any law or regulation, or encourage others to do so;
• infringe our intellectual property or anyone else’s;
• harass, abuse, insult, harm, defame or discriminate against anyone;
• give false or misleading information, or pretend to be someone else;
• upload or send viruses or any other harmful code;
• collect or track other people’s personal data;
• spam, phish, or scrape, crawl or copy this website by automated means;
• use the website for any obscene or immoral purpose; or
• interfere with or get around the security features of this website or any related system.

We may suspend or end your access to the website if you break these terms.

6. Content and intellectual property

The text, photos, videos, logos, course materials and other content on this website belong to CY Academy Group or to those who licensed them to us. You may view our pages and share links to them for personal, non-commercial use. You must not copy, reproduce, record, sell or use any of it for commercial purposes without our written permission.

If you send us ideas, suggestions or feedback, we may use them to improve our services without paying you. We will only publish your name, photo or story with your consent.

7. Event photos and recordings

We take photos and videos at our events and may record our online webinars, and we may use them on our website, social media and marketing materials. If you would rather not appear, please tell our team on site, or keep your camera off in online sessions.

8. Third-party websites and tools

This website links to other websites and tools, such as FinDoctor.my, BidNow.my, Zoom and WhatsApp. They have their own terms and privacy policies, and we are not responsible for their content, products or services.

9. Disclaimer and limitation of liability

We provide this website “as is” and “as available”. We do not promise that it will always be available, uninterrupted, secure or error-free.

To the extent the law allows, we (including our directors, staff, agents and service providers) are not liable for any indirect or consequential loss, or for any loss of profit, revenue, savings or data, arising from your use of this website or any information on it.

Nothing in these terms excludes or limits liability for death or personal injury caused by our negligence, for fraud, or any liability or right that cannot be excluded or limited under the Consumer Protection Act 1999 or any other law.

10. Indemnity

You agree to indemnify us, our related companies, and our directors, staff, agents and service providers against any claim or demand by a third party, including reasonable legal fees, arising from your breach of these terms, of any law or of the rights of a third party.

11. General

If any part of these terms is found invalid or unenforceable, it will be enforced to the extent the law allows, and the rest of these terms will continue to apply. If we do not enforce a right straight away, we do not waive it. These terms, together with our Privacy Notice and any other terms we post on this website, are the entire agreement between you and us about your use of this website.

12. Governing law and contact

These terms are governed by the laws of Malaysia, and the courts of Malaysia have jurisdiction. Complaints and disputes are handled as set out in section 25.

Questions about these terms: email admin@cy-academy.com, WhatsApp 011-5861 1163, or write to CY Academy Group Sdn. Bhd., Level 9, Tower 1, Mercu Mustapha Kamal, Neo Damansara, 47820 Petaling Jaya, Selangor.

B. Course, event and refund terms

13. When these terms apply, and your statutory rights

Part B applies when you register for or buy a paid course, membership or live event from us (the “Courses & Services”). Together with your order form (the “Order Form”), it forms a contract between you and CY Academy Group Sdn. Bhd. If they conflict, the Order Form prevails, then Part B, then Part A. You may sign the Order Form electronically, with the same effect as signing on paper.

In Part B, “you” means the buyer named in the Order Form, and the “Fee” means the full price of the Courses & Services stated in the Order Form.

Our free webinars have no fee, but sections 17, 20, 21 and 23 also apply to them.

Part B does not affect your rights under the Consumer Protection Act 1999 or any other law. Where the law gives you a longer cooling-off period or other rights, the law applies.

14. Fees and payment

You agree to pay the Fee:

• in full when you sign the Order Form, without set-off or deduction, unless we have agreed otherwise in writing; or
• if we have agreed to instalments, each instalment in full on its due date.

Payments must be made by the methods stated in the Order Form. If an instalment is overdue, we will give you at least 7 days’ written notice to pay it; if it is still unpaid after that, the whole unpaid balance becomes due immediately.

The Fee does not include meals, travel or accommodation, unless the Order Form says otherwise.

15. Cooling-off period for live physical events

For live physical events, you may cancel this contract without any liability within 7 days starting from the day after you sign the Order Form (the “cooling-off period”). To cancel, send us a written notice within the cooling-off period, by email to admin@cy-academy.com or by post or hand to Level 9, Tower 1, Mercu Mustapha Kamal, Neo Damansara, 47820 Petaling Jaya, Selangor.

We will refund what you have paid, by the method you paid with, within 14 working days of receiving your notice. If, during the cooling-off period, you asked for and received part of the services (for example, attending a session, receiving materials or having your member account opened), we will deduct only the value of that part, at the prices stated in the Order Form or, where none are stated, at a reasonable value.

16. After the cooling-off period

After the cooling-off period, the Fee is not refundable, unless your Order Form says otherwise, we refund you under section 17, or the law requires a refund. If you cannot attend, you may transfer your seat (section 18).

17. If we cancel, change or postpone a course

We will only change the date, time, venue or speaker of a course where reasonably necessary, and we will tell you in writing. If we cancel a course, we will offer you another date of the same or a similar course at no extra cost; if we cannot offer one within 6 months of the original date, you may ask for a refund of the Fee for the cancelled part.

If a course is prevented or disrupted by events beyond our control, such as natural disasters, fire, flood, power failure, epidemics, riots, strikes or government orders, we may postpone it and will tell you the new date as soon as we can. If the postponement is longer than 6 months, you may ask for a refund of the Fee for the part not delivered.

Except as set out in this section, we are not responsible for other costs or expenses caused by a cancellation, change or postponement, such as travel or accommodation you have booked.

18. Transferring your seat

If you cannot attend an event you have paid for, you may transfer your seat to another person. Tell us in writing at least 7 working days before the event starts, with the full contact details of the new attendee. An administration fee applies, and we will confirm the amount before the transfer. The new attendee must accept these terms.

19. Your seat, materials and details

Once you have paid the Fee (or are up to date with your instalments), you are entitled to:

• a seat at the Courses & Services during the course hours agreed or confirmed by us; and
• a copy of the course materials, if any, subject to section 20.

Entry to an event is subject to the rules of the venue and of any event organiser.

You confirm that the contact details in your Order Form are accurate, and you agree to keep them up to date. We are not responsible for any delay or failure to reach you, or to send you updates or services, if your details are wrong or out of date.

Card payments are processed by our payment providers. We use the other details you give us to manage your account, as set out in our Privacy Notice.

20. Intellectual property and recording

We (or our presenters) own all intellectual property in the Courses & Services and their materials, including anything we develop while delivering them. Buying the Courses & Services does not transfer any of it to you.

We grant you a personal, non-exclusive, non-transferable, revocable licence to use the materials for your own non-commercial purposes only. You must not:

• alter our intellectual property or the materials;
• record the Courses & Services with any recording device; or
• sell, share or supply the materials or our intellectual property to anyone else.

If you break this section, we may revoke this licence, and we reserve the right to take legal action.

21. No guarantees; your decisions

Our courses teach knowledge and methods and are general and educational in nature. We explain the scope of each course or service before you buy, but how well it works for you depends on factors outside our control, such as market conditions, your finances and your decisions, so we do not guarantee any result, income or profit.

You are responsible for the investment and financial decisions you make after attending our courses or events.

If you enter into a separate contract or arrangement with a trainer, representative or third party during or after an event (and not with CY Academy), you do so at your own risk, and we are not a party to it.

Guest speakers and other third parties who present at our events with our consent are responsible for their own products, services and statements.

22. Limitation of liability

To the extent the law allows:

• our total liability to you relating to the Courses & Services is limited to the amount you actually paid under the Order Form; and
• we are not liable for any loss of profit, revenue, business, goodwill, expected savings or opportunity, or for any indirect or consequential loss.

This section does not exclude or limit liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or any liability that cannot be excluded or limited under the Consumer Protection Act 1999 or any other law, including the guarantees that Act gives for services.

23. Contacting you

We will contact you by phone, email, SMS or WhatsApp about your purchase, your course arrangements and your membership.

With your consent (for example, by ticking the consent box on the Order Form), we will also tell you about future courses, events and offers from us and our related companies; you can tell us in writing to stop at any time, including by using the unsubscribe link in our emails. We never sell your contact details, and we handle them as set out in our Privacy Notice.

24. Notices

Notices under this contract must be in writing and sent to the addresses in the Order Form (our address is in section 12). A notice is treated as received:

• if sent by prepaid registered post, 3 days after posting;
• if delivered by hand, when delivered; or
• if sent by email, when the sender’s email system confirms it was sent, unless a delivery failure notice is received.

25. Complaints and disputes

If you have a complaint, please contact us first (section 12). We will acknowledge it within 3 working days and aim to give you our response within 14 working days.

This does not affect your right to bring a claim to the Tribunal for Consumer Claims Malaysia or the courts.

26. General

• If a party does not exercise a right, or delays in doing so, it does not waive that right. A waiver is only valid in writing, signed by the party giving it.
• If any provision is invalid or unenforceable, it will be read down or severed to the extent needed, and the rest of the contract continues to apply.
• This contract may only be varied in writing, signed by both parties.
• This contract (Part B and the Order Form) is the entire agreement between you and us about this purchase, and replaces all earlier communications, arrangements and understandings, written or oral. This does not affect liability for fraudulent misrepresentation or your statutory rights.
• We may change Part B with prior notice. A change does not affect a contract already signed, unless you agree.
• This contract is governed by the laws of Malaysia.

If the Chinese and English versions differ, the English version prevails.