Cancellation and Refund Policy

Last updated: 8 September 2026　·　Effective date: 1 January 2026

1. Circumstances in Which No Refund Is Given

In any of the following circumstances, refund requests will not be entertained:

1. Course content already used (attending the live session or watching the recording) exceeds 30% of the total course content;
2. Absence from or missing a class due to personal schedule, work arrangements or timing conflicts;
3. Course materials have all been downloaded or accessed;
4. The course is marked as “Non-refundable”, including promotional and discounted packages;
5. Failure to attend after registering, without prior notice (no-show);
6. Learning eligibility has been terminated by the Company due to a breach of the Terms and Conditions.

2. Circumstances in Which a Refund May Be Requested

If your situation does not fall within any item in Section 1 above, you may submit a request by the means listed in Section 8. All requests are subject to the Company's assessment as to whether they are approved; approval and the refundable amount will be notified in writing.

2.1 Cancellation Before the Course Begins

If you have completed payment but have not yet begun using any course content, and you submit your request 14 days or more before the course commencement date, you may choose one of the following:

• Transfer to the next session (no administrative fee, once only); or
• Transfer to another person (the transferee's name, identity card number and contact details must be provided, subject to the Company's written confirmation); or
• Refund, less an administrative and incurred-cost charge equal to 20% of the course fee, together with the other deductions listed in Section 3.

2.2 Other Circumstances

If you have begun using course content but have not exceeded 30%, you may submit a request setting out your reasons. The Company will assess the refundable amount based on the actual proportion used and the deductions in Section 3.

3. Calculation of the Refund Amount and Deductions

If a refund is approved, the refundable amount (if any) will be determined after assessment and may be subject to the following deductions (including but not limited to):

1. Transaction fees charged by the payment gateway or the bank;
2. Applicable Service Tax (SST, 8%) or other taxes. The Company is a registered service tax person; SST registration number: W10-2501-32000164;
3. Administrative and processing fees;
4. The value corresponding to the course content or services already partially used.

The final approved refund amount will be notified to the applicant in writing.

4. Absence, Lateness and Make-up Classes

1. A session registered for but not attended does not constitute grounds for a refund.
2. If your package includes “unlimited course-repeat access”, you may apply to attend a later session within the validity period, subject to availability of places.
3. If your package includes online recording playback, you may watch it yourself within the access period.
4. Rules on absence from and rescheduling of Coaching Sessions are dealt with under Clause 6 of the Terms and Conditions.

5. Cancellation or Postponement by the Company

If, due to insufficient enrolment, venue issues, trainer illness, force majeure or other operational factors, the Company must cancel or postpone a session, you may choose one of the following:

1. Transfer to the next session (no additional charge); or
2. Receive a full refund, with no administrative fee deducted.

The Company will notify affected Participants by email and WhatsApp as soon as practicable after becoming aware.

6. Duplicate Payment and Technical Errors

If a system or payment channel error results in a duplicate charge, an incorrect amount, or payment succeeding without registration being completed, the Company will, after verification, refund the excess in full with no deduction. Please contact us as soon as possible with the transaction reference number.

7. Handling of Instalment Payments

If you pay the course fee by instalment:

1. Refunds are calculated on the basis of the sums actually received by the Company, not the full list price of the course.
2. If you request cancellation before all sums have been paid, the Company will determine under Sections 1 to 3 of this Policy whether the sums already paid qualify for a refund; where access has been activated or the course has been attended, sums already paid are non-refundable, and the outstanding balance will no longer be collected (unless otherwise agreed in writing).
3. When requesting a refund, please provide proof of payment for each sum paid.

8. How to Submit a Refund Request

To request a refund, please email vinjomarketing@gmail.com, or message / WhatsApp us at +60 14-660 6148.

The following must be provided when submitting; a request missing any one item cannot be processed:

1. Name used at registration (must match the name used when registering for the course)
2. Contact number (format: 60123456789)
3. Email address
4. Amount paid (RM)　—— this amount must match your proof of payment exactly
5. Proof of payment (bank transfer receipt, senangPay transaction record or receipt screenshot, for the Company's verification)
6. Reason for the refund
7. Receiving bank details: account holder's name, bank name, bank account number
8. Confirmation that you have read, understood and agree to this Policy and the Terms and Conditions

9. Processing Time and Method of Refund

1. A “complete request” means that all information listed in Section 8 has been provided, proof of payment has been attached, and the bank details are correct. Where information is incomplete, the time limit restarts from the date the missing information is supplied.
2. Refunds are made solely by bank transfer into the bank account provided by the applicant.
3. All refunds are made in Malaysian Ringgit (MYR).
4. Any transfer fee charged by a bank or payment channel is dealt with under Section 3.

9.1 Final Decision

The Company reserves the right of final assessment and decision on all refund matters. This clause does not affect any right you have under the Consumer Protection Act 1999 or other Malaysian law that cannot be excluded (see Section 13).

10. Discretionary Handling of Exceptional Circumstances

Sections 1 to 3 of this Policy set out the general rules. The Company understands that individual Participants may face serious health problems, family emergencies or other exceptional circumstances.

1. You may explain your circumstances and submit a request by the means listed in Section 8. The Company will assess each case individually and may, at its discretion, offer a partial refund, a transfer of session or a transfer to another person.
2. Any such arrangement is a goodwill measure by the Company; it does not constitute an obligation of the Company, does not amount to an admission of any fault or service defect, and does not set a precedent for similar future requests.
3. Where the parties negotiate and reach a refund arrangement, they shall sign a separate written settlement agreement. Once signed, that agreement constitutes a final and complete settlement of the matter, and neither party shall have any further claim in respect of it.
4. The specific terms of that agreement (including the refund proportion, payment timing and other agreed matters) are as set out in that written agreement; in the event of any inconsistency with this Policy, that written agreement shall prevail.

11. Courses Funded by HRD Corp

If your course is applied for through an HRD Corp (Human Resource Development Corporation) funding scheme, cancellation and refund must comply both with this Policy and with HRD Corp's applicable rules and procedures at the time. Approval, disbursement and recovery of such funding are determined by HRD Corp under its own regulations, and the Company gives no guarantee as to the outcome of a funding application.

If a company has obtained HRD Corp approval and subsequently cancels the training, please be sure to notify both the Company and HRD Corp, so as not to affect your future funding application record.

12. In-House Training

Cancellation, rescheduling and payment terms for In-House Training are governed by the terms of the training services agreement or quotation separately signed by the parties. In the event of any inconsistency between that agreement and this Policy, that agreement shall prevail.

13. Consumer Rights

This Policy does not exclude or limit any right conferred on you by the Consumer Protection Act 1999 or other Malaysian law that cannot be excluded. If you consider that the Company's services differ materially from what was described, please contact us first; we take every complaint seriously.

14. Contact Us

Refund requests must be submitted by the contact channels below; these channels are also available for progress enquiries and general enquiries:

• Email: vinjomarketing@gmail.com
• Tel / WhatsApp: +60 14-660 6148
• Office hours: Monday to Friday, 10:00 AM – 7:00 PM (GMT+8)
• Company address: 130, Jalan Cerdas, Taman Connaught, 56000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur