中文
本页条款分为两部分：A 部分适用于所有使用本网站的人；B 部分适用于你报名或购买我们的付费课程、会员或活动。请同时阅读我们的隐私政策。
重点摘要（不取代完整条款）
- 实体活动：签订单表格后 7 天内可以书面取消，我们会在 14 个工作天内退款（见第 15 条）。
- 冷静期过后，费用一般不予退还；如无法出席，可在活动前至少 7 个工作天转让名额（见第 16 条与第 18 条）。
- 如我们取消课程，你可以免费改期；6 个月内无法改期，可以要求退还被取消部分的费用（见第 17 条）。
- 课程仅供教育参考，不保证任何结果或收入（见第 2 条与第 21 条）。
- 本条款不影响你依法享有的权利（见第 13 条）；有投诉请先联系我们（见第 25 条）。
A. 网站使用条款
1. 关于本条款
本网站由 CY Academy Group Sdn. Bhd.（1367922-U）经营，地址：Level 9, Tower 1, Mercu Mustapha Kamal, Neo Damansara, 47820 Petaling Jaya, Selangor（「CY Academy」或「我们」）。使用本网站即表示你同意本条款；如不同意，请不要使用本网站。
通过本网站报名分享会、课程或服务，你必须年满 18 岁。
如你报名或购买课程，B 部分与你的订单表格同样适用；如与 A 部分有冲突，以订单表格及 B 部分为准。
我们可能不时在本页公布新版本以更新本条款，请定期查看。更新后继续使用本网站，即表示你接受更新。B 部分的更改会事先通知（见第 26 条）。
2. 仅供教育参考，不构成建议
本网站、分享会、课程与资料的内容仅供教育参考，属一般性质，没有考虑你个人的财务状况，不构成投资、财务、法律或税务建议，也不是买卖任何房产的推荐。房产投资有风险，每个人的情况不同。请按你自己的情况做决定，需要时请咨询持牌专业人士。
FinDoctor.my 并非贷款机构。任何融资额度、利率、期限或批准，均须视各银行的要求、文件、信用评估及最终审批而定。
3. 学员案例与结果
本网站的学员案例是个别人的真实经历，经当事人同意分享。它们不代表一般结果，也不保证你会得到相同的结果。你的结果取决于你自己的决定、努力、财务状况与市场情况。
4. 资料的准确性与价格
我们尽力保持本网站的内容正确和最新，但内容可能有错误、遗漏或已经过时。网站内容仅供一般参考，不应作为你做决定的唯一依据。我们会在发现错误时尽快更正，并可随时更新内容。
本网站不列出会员与课程的价格。每项付费课程或服务的费用、内容与付款条件，会在你付款前于订单表格中以书面确认。价格可能调整，但不影响你已确认的订单。
5. 使用本网站的规范
你只可以合法地使用本网站，不可以：
- 违反任何法律或法规，或鼓励他人这样做；
- 侵犯我们或任何人的知识产权；
- 骚扰、辱骂、侮辱、伤害、诽谤或歧视任何人；
- 提供虚假或误导的资料，或冒充他人；
- 上传或传送病毒或任何有害程式；
- 收集或追踪他人的个人资料；
- 发送垃圾讯息、进行网络钓鱼，或以自动方式抓取、爬取或复制本网站；
- 把本网站用于任何淫秽或不道德的用途；或
- 干扰或绕过本网站或任何相关系统的安全功能。
如你违反本条款，我们可暂停或终止你使用本网站。
6. 内容与知识产权
本网站上的文字、照片、影片、标志、课程资料与其他内容，属于 CY Academy Group 或授权给我们使用的人。你可以为个人、非商业用途浏览和分享我们的网页链接；未经我们书面同意，不可复制、转载、录制、出售或作任何商业用途。
你寄给我们的想法、建议或意见，我们可用来改善服务，无须付费给你。我们只会在你同意下公开你的名字、照片或故事。
7. 活动照片与录影
我们会在活动现场拍摄照片与影片，也可能录下线上分享会，并用于我们的网站、社交媒体与宣传资料。如不希望出现在镜头中，请告诉现场同事，或在线上分享会关闭镜头。
8. 第三方网站与工具
本网站有链接到其他网站与工具，例如 FinDoctor.my、BidNow.my、Zoom 与 WhatsApp。它们有自己的条款与隐私政策，我们不为它们的内容、产品或服务负责。
9. 免责声明与责任限制
本网站按「现状」及「可供使用」的状态提供。我们不保证网站一直可用、不中断、安全或没有错误。
在法律允许的范围内，我们（包括我们的董事、员工、代理与服务商）不为你使用本网站或网站上任何资料而产生的任何间接或后果性损失负责，也不为利润、收入、储蓄或资料的损失负责。
本条款不排除或限制：因我们的疏忽造成的死亡或人身伤害、欺诈，或依《1999 年消费者保护法令》或其他法律不能被排除或限制的任何责任或权利。
10. 赔偿
如因你违反本条款、任何法律或第三方的权利，导致任何第三方向我们、我们的关联公司，或我们的董事、员工、代理与服务商提出索偿或要求（包括合理的律师费），你同意作出赔偿。
11. 一般条款
如本条款任何部分被判定无效或无法执行，该部分在法律允许的范围内仍然执行，其余条款继续有效。我们没有即时执行某项权利，不代表放弃该权利。本条款连同隐私政策，以及我们在本网站公布的其他条款，构成你与我们之间关于使用本网站的完整协议。
12. 适用法律与联系我们
本条款受马来西亚法律管辖，马来西亚法庭具有管辖权。投诉与争议的处理方式见第 25 条。
有关本条款的疑问：电邮 admin@cy-academy.com，WhatsApp 011-5861 1163，或写信到 CY Academy Group Sdn. Bhd., Level 9, Tower 1, Mercu Mustapha Kamal, Neo Damansara, 47820 Petaling Jaya, Selangor。
B. 课程、活动与退款条件
13. 适用范围与你的法定权利
当你报名或购买我们的付费课程、会员或实体活动（统称「课程与服务」）时，适用 B 部分。B 部分连同你的订单表格（「订单表格」），构成你与 CY Academy Group Sdn. Bhd. 之间的合约。如有冲突，依次以订单表格、B 部分、A 部分为准。你可以电子方式签署订单表格，效力与纸本签署相同。
在 B 部分，「你」指订单表格上的购买人；「费用」指订单表格列明的课程与服务全额费用。
免费分享会不收费，但第 17、20、21 与 23 条同样适用。
B 部分不影响你依《1999 年消费者保护法令》或其他法律享有的权利。如法律给你更长的冷静期或更多权利，以法律为准。
14. 费用与付款
你同意按以下方式支付费用：
- 签订单表格时一次付清，不得抵销或扣除，除非双方另有书面协议；或
- 如我们同意分期付款，每期须在到期日全额支付。
付款须以订单表格列明的方式进行。如任何一期逾期未付，我们会以书面通知你，并给你至少 7 天时间付清；如届时仍未付清，所有未付余额即时到期。
费用不包括餐饮、交通与住宿，除非订单表格另有列明。
15. 实体活动的冷静期
实体活动可在你签订单表格翌日起 7 天内（「冷静期」）取消本合约，无须承担任何责任。请在冷静期内以书面通知取消：电邮 admin@cy-academy.com，或邮寄或亲自送到 Level 9, Tower 1, Mercu Mustapha Kamal, Neo Damansara, 47820 Petaling Jaya, Selangor。
我们会在收到通知后 14 个工作天内，以你原来的付款方式退还已支付的款项。如果你在冷静期内要求并已获得部分服务（例如出席课程、领取资料或开通会员账户），我们只会扣除这部分服务的价值，按订单表格所列价格计算，没有列明时按合理价值计算。
16. 冷静期过后
冷静期过后，费用不予退还，除非订单表格另有列明、我们依第 17 条退款，或法律规定须退款。如你无法出席，可以转让名额（见第 18 条）。
17. 我们取消、更改或延期课程
我们只会在合理必要时更改课程的日期、时间、地点或讲师，并以书面通知你。如我们取消课程，我们会为你安排同一或类似课程的另一个日期，无须额外费用；如无法在原定日期起 6 个月内安排，你可以要求退还被取消部分的费用。
如课程因我们无法控制的事件而无法进行或受影响，例如天灾、火灾、水灾、停电、疫情、暴动、罢工或政府命令，我们可延后举行，并会尽快通知你新的日期。如延期超过 6 个月，你可以要求退还未提供部分的费用。
除本条所列外，我们不为取消、更改或延期导致的其他费用或开销负责，例如你已订的交通或住宿。
18. 转让名额
如你无法出席已付款的活动，可以把名额转让给另一个人。请在活动开始前至少 7 个工作天以书面通知我们，并提供新出席者的完整联系资料。转让须缴付行政费，我们会在转让前告知金额。新出席者须接受本条款。
19. 你的座位、资料与联系方式
付清费用（或按时缴付分期）后，你可获得：
- 在我们同意或确认的上课时间内，课程与服务的一个座位；以及
- 课程资料一份（如有），并须遵守第 20 条。
进入活动须遵守场地与活动主办方的规定。
你确认订单表格上的联系资料正确，并同意随时更新。如因你的资料错误或过时，导致我们延误或无法联系你、发送最新资讯或提供服务，我们不负责任。
银行卡付款由我们的付款服务商处理。你提供的其他资料，我们会用来管理你的账户，处理方式见隐私政策。
20. 知识产权与录影
课程与服务及其资料的所有知识产权，包括我们在授课过程中开发的内容，均属于我们（或讲师）。购买课程与服务不会把任何知识产权转让给你。
我们授予你一项个人、非独家、不可转让、可撤销的许可，让你只为个人非商业用途使用课程资料。你不可以：
- 修改我们的知识产权或课程资料；
- 使用任何录影或录音器材录下课程与服务；或
- 出售、分享或把课程资料或我们的知识产权交给任何人。
如你违反本条，我们可撤销上述许可，并保留采取法律行动的权利。
21. 不保证结果，决定由你负责
我们的课程传授知识与方法，内容属一般教育性质。我们会在你购买前说明每项课程或服务的范围，但其成效取决于我们无法控制的因素，例如市场情况、你的财务状况与你的决定，因此我们不保证任何结果、收入或利润。
出席我们的课程或活动后，你所做的投资与财务决定由你自己负责。
如你在活动期间或之后，与任何讲师、代表或第三方另外签订合约或安排（而不是与 CY Academy 签订），风险由你自行承担，我们不是该合约或安排的一方。
客座讲师与其他第三方经我们同意在活动中分享，他们须为自己的产品、服务与言论负责。
22. 责任限制
在法律允许的范围内：
- 我们就课程与服务对你承担的总责任，以你依订单表格实际支付的金额为限；以及
- 我们不为利润、收入、业务、商誉、预期储蓄或机会的损失，或任何间接或后果性损失负责。
本条不排除或限制：因我们的疏忽造成的死亡或人身伤害、欺诈或欺诈性的失实陈述，或依《1999 年消费者保护法令》或其他法律不能被排除或限制的任何责任，包括该法令对服务的保证。
23. 联系你
就你的购买、上课安排与会员服务，我们会以电话、电邮、短讯或 WhatsApp 联系你。
在你同意下（例如在订单表格上勾选同意），我们也会通知你我们与关联公司日后的课程、活动与优惠；你可以随时以书面通知我们停止，包括点击电邮里的取消订阅链接。我们绝不出售你的联系资料，并按隐私政策处理。
24. 通知
本合约下的通知须以书面发出，寄到订单表格上的地址（我们的地址见第 12 条）。通知在以下时间视为已送达：
- 以预付挂号邮件寄出：寄出后 3 天；
- 亲手送达：送达时；或
- 以电邮发送：发送方的电邮系统确认成功发送时，除非收到退件通知。
25. 投诉与争议
如有任何投诉，请先联系我们（见第 12 条）。我们会在 3 个工作天内确认收到，并尽量在 14 个工作天内回复处理结果。
这不影响你向马来西亚消费人索偿仲裁庭（Tribunal for Consumer Claims）或法庭提出索偿的权利。
26. 其他条款
- 任何一方没有行使或延迟行使某项权利，不代表放弃该权利；放弃权利须以书面作出，并由放弃的一方签署。
- 如任何条文无效或无法执行，将在所需的范围内缩小或删除，其余部分继续有效。
- 本合约只可以书面修改，并须由双方签署。
- 本合约（B 部分与订单表格）构成你与我们之间就此次购买的完整协议，取代之前所有书面或口头的沟通、安排与理解；但这不影响因欺诈性的失实陈述而产生的责任，也不影响你的法定权利。
- 我们可在事先通知后修改 B 部分；除非你同意，修改不影响已签订的合约。
- 本合约受马来西亚法律管辖。
如中文与 English 版本有任何不一致，以 English 版本为准。
English
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.
Key points (the full terms below apply)
- Live physical events: you may cancel in writing within 7 days of signing the Order Form, and we will refund you within 14 working days (section 15).
- After the cooling-off period, fees are generally not refundable; if you cannot attend, you may transfer your seat at least 7 working days before the event (sections 16 and 18).
- If we cancel a course, you may move to another date at no cost; if we cannot offer one within 6 months, you may ask for a refund of the cancelled part (section 17).
- Our courses are for education only, and we do not guarantee any result or income (sections 2 and 21).
- These terms do not affect your rights under the law (section 13); if you have a complaint, please contact us first (section 25).
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.
