This Refund Policy (the “Policy”) governs refunds for all purchases made on misiniaga.com (the “Website”), which is owned and operated by MISI NIAGA MARKETING (SSM Registration No.: 202203160667 (SA0583913-V)) (“we”, “us”, “our”). This Policy forms part of our Terms & Conditions. By completing a purchase on the Website, you acknowledge that you have read, understood, and agreed to this Policy.
Note: Nothing in this Policy limits or excludes your statutory rights under the Consumer Protection Act 1999 of Malaysia or any other applicable Malaysian law.
1. Scope of Products & Services
misiniaga.com sells the following categories of offerings, which are covered by this Policy:
- Digital products & SaaS — software access, downloadable files, templates, online courses, and similar digital goods delivered electronically.
- Memberships & subscriptions — recurring or one-time access to gated content, communities, or platform features.
- Services & consulting — professional services, coaching, advisory, and done-for-you engagements.
2. Refundable Items
Subject to the conditions in Section 3, the following are eligible for a refund within the refund window:
- Digital products that are defective, materially different from their description, or inaccessible despite reasonable troubleshooting support from us.
- SaaS or subscription access that has not been substantially used within the current billing cycle.
- Services where work has not yet commenced, or has commenced but not been fully delivered.
Non-refundable items
The following are not eligible for a refund, except where required by law:
- Downloadable files (e.g. ebooks, templates, worksheets) that have already been downloaded, unless defective or inaccessible.
- Custom, personalised, or made-to-order deliverables that have been commenced or delivered to your specifications.
- Services that have been fully delivered and accepted.
- Purchases made under a clearly labelled “final sale” or “non-refundable” promotion.
- Renewals of subscriptions where more than the refund window has passed since the renewal date.
- Any abuse of this Policy, including repeated refund requests on similar items.
3. Refund Conditions
3.1 Time limit
You may request a refund within thirty (30) calendar days from the date of your original purchase. Requests received after the 30-day window may be refused, except where required by Malaysian law.
3.2 Liability
You are responsible for ensuring your account credentials are kept secure. Refunds will not be issued for purchases made from your account where the loss is attributable to your failure to safeguard your login.
3.3 Faulty or incorrect items
If the product you received is defective, does not function as described, or differs materially from what you purchased, please contact us within the refund window. We will either repair, replace, or refund the item, at our discretion and in line with your rights under applicable law.
4. Refund Method
All approved refunds will be issued to the original payment method (credit/debit card or e-wallet) used at the time of purchase. We do not issue refunds via cash, bank transfer, or store credit unless the original payment method is no longer available, in which case we will contact you to arrange an alternative.
5. How Long the Refund Takes
Once we have received your refund request, our team will review it and respond usually within 5 working days.
If your refund is approved, we will process it on our side within 7 working days. The refund may then take up to an additional 14 working days to appear on your statement, depending on your bank or card issuer. During peak periods, processing may take longer; we will keep you informed.
6. Exchanges
Because our offerings are digital, membership-based, or service-based, we do not offer exchanges. If you are dissatisfied, please submit a refund request as described in Section 8 and, where eligible, we will issue a refund instead.
7. Shipping Costs
Not applicable. misiniaga.com does not ship physical goods; all products and services are delivered electronically or performed remotely.
8. How to Initiate a Refund
- Email us at support@misiniaga.com with the subject line “Refund Request — [Order ID]”.
- Include the following in your email:
- Full name
- Order ID / invoice number
- Date of purchase
- Payment method used
- A brief reason for the refund
- We will acknowledge your request, review it, and respond within 5 working days.
- If approved, we will process the refund to your original payment method as described in Section 5.
Please contact us first before initiating a chargeback or payment dispute with your bank. We aim to resolve all refund issues directly and fairly.
9. Right to Cancel a Subscription
You may cancel a recurring subscription at any time by:
- Using the cancellation option in your account dashboard, or
- Emailing support@misiniaga.com with the subject line “Cancellation Request”.
Cancellation takes effect at the end of the current billing period. You will continue to have access until that date, and no further charges will be made. Cancellation itself does not trigger a refund — to request a refund, please follow Section 8.
10. Changes to This Policy
We may update this Policy from time to time. The “Last updated” date at the top reflects the latest revision. Continued use of the Website after changes are published constitutes acceptance of the updated Policy.
11. Contact Us
MISI NIAGA MARKETING
SSM Registration No.: 202203160667 (SA0583913-V)
NO 26, 2F, Jalan Setia Perdana BB U13/BB,
Setia Alam, 40170 Shah Alam, Selangor, Malaysia.
Email: support@misiniaga.com
Website: misiniaga.com