Terms & Conditions
Rumun Niaga
Website: carasmartonline.onpay.my
1. Introduction
Welcome to Rumun Niaga. By purchasing or accessing our online course through carasmartonline.onpay.my, you agree to comply with and be bound by the following Terms and Conditions.
Please read these Terms carefully before making any purchase.
2. Product Description
Rumun Niaga offers digital online courses delivered electronically.
No physical product will be shipped to customers.
After successful payment, customers will receive access to the course via:
· Member area / Online platform
Access details will be provided within 24 hours after payment confirmation.
3. Payment
All payments must be made in full before accessing the course.
We accept payment via:
· Online Banking
· Debit Card
· Credit Card
· FPX (if available)
Rumun Niaga reserves the right to change pricing at any time without prior notice.
4. Refund Policy
Due to the nature of digital products, all sales are final and non-refundable.
No refund will be provided once:
· Access has been granted
· Course materials have been delivered
· Login details have been shared
However, refunds may be considered only under the following circumstances:
· Duplicate payment
· Technical issue caused by our system
5. Access & Usage
Upon purchase, customers will receive personal access to the online course.
You agree:
· Not to share login credentials
· Not to resell course materials
· Not to distribute content without permission
Rumun Niaga reserves the right to terminate access if misuse is detected.
6. Intellectual Property
All content provided in the course, including:
· Videos
· PDF Materials
· Images
· Training Content
Is the intellectual property of Rumun Niaga.
You may not:
· Copy
· Reproduce
· Distribute
· Sell
Without written permission.
7. Disclaimer
Rumun Niaga does not guarantee specific results from the course.
Results depend on:
· Individual effort
· Skills
· Market conditions
· Consistency
We are not responsible for any business loss or income results.
8. Privacy Policy
Your personal information will be kept confidential.
We will not:
· Sell your data
· Share your personal information
Your information is only used for:
· Course access
· Customer support
· Updates & announcements
9. Support
For any support, please contact:
Rumun Niaga
Website: carasmartonline.onpay.my
Email: carasmartonline@gmail.com
10. Changes to Terms
Rumun Niaga reserves the right to update or modify these Terms & Conditions at any time without prior notice.
11. Agreement
By purchasing from carasmartonline.onpay.my, you agree to these Terms & Conditions.