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CANCELLATION AND REFUND POLICY

These terms and conditions govern the refund policy of “FINTOS” owned by TECHAPP BUSINESS SDN. BHD. (“the Platform”) for cancellation and refund of payment made by User (“Cancellation and Refund Policy”). The Cancellation and Refund Policy applies in addition to the Platform’s Terms and Conditions and in the event of inconsistency, the Cancellation and Refund Policy shall prevail. The Cancellation and Refund Policy is only applicable to Users who have made payment for such purpose through the Platform and have suffered due to the following Events (as defined below).

All the terms shall have the meaning set forth in the Platform’s Terms and Conditions unless otherwise defined in this Cancellation and Refund Policy and by using the Platform as a User, you are indicating that you have read and that you understand and agree to be bound by this Cancellation and Refund Policy.

Due to the nature of our one-time report products which are downloadable electronically, the Platform do not provide refunds for Credit Report which have been delivered through the Platform save and except in the occurrence of such Events. If there are any errors contained in the Credit Report, you can dispute the information presented in your Credit Report online as stipulated in the conditions mentioned herein.

(a) System error during transaction

The transaction is incomplete due to a system error causing interference to the Platform whereby payment has been made by Users but there has been a non-deliverance of the Credit Report thereof.

 

(b) Incomplete Data

Users who have received Credit Report containing incomplete data due to data corruption.


(c) Incomplete Transaction

The transaction has not been completed due to unprecedented disruption on the Platform causing incomplete or non-deliverance of the Credit Report.


(d) Incorrect Products

Users who have received incorrect Credit Report from that of purchased through the Platform.

2. The Cancellation and Refund Policy
2.1 In the case of Users who suffered due the Events aforementioned above, Users will be entitled to have a full refund of equal value to the original purchase price of the Credit Report within seven (7) calendar days from the date of receipt of such notification of cancellation and refund from Users.

2.2 No refunds shall be payable by the Platform to Users in respect of any change of mind or products purchased by Users with wrong information. Users shall ensure that all information provided is accurate before proceeding with payment of the Credit Report.

2.3 The Platform’s decisions under this Cancellation and Refund Policy are final and binding on Users but do not in any or howsoever manner affect other contractual or statutory rights that the Users have in the Platform’s Terms and Conditions. In any event, the Platform shall not be held liable either to Users in whatsoever and howsoever manner.

3. The Conditions for Requesting Refund
3.1 To request a refund for Events, Users are required to meet each of the following conditions: –

(a) Users must have a valid registered account on the Platform and payments have been made to the Platform;


(b) Users must contact the Platform in writing to support@fintos.tech with relevant information including but not limited to photographs, videos, or other written or tangible evidence, if any;


(c) Users must not have directly or indirectly caused the Events through the Users’ action, omission or negligence; and


(d) Unless otherwise specified by the Platform or the Platform advises the Users that the Events cannot be remediated, Users must use reasonable efforts to try to remedy the circumstances of the Events.

3.2 The refund(s) will be credited into the account provided by Users within seven (7) calendar days from the date of receipt of such notification from the Platform.

4. Acknowledgement by Users
Users acknowledge and agree that the Platform will only release the payments paid by the Users upon the Platform’s deliberate assessment and consideration of the Events upon the expiry of seven (7) days from the date of notification received by the Platform from Users.

5. General Provisions
5.1 No Assignment or No Insurance
This Cancellation and Refund Policy is not intended to constitute an offer to insure, does not constitute insurance or an insurance contract, does not take the place of insurance obtained or obtainable by Users, and Users have not paid any premium in respect of the Cancellation and Refund Policy. The benefits provided under this Cancellation and Refund Policy are not assignable or transferable by Users.


5.2 Modification or Termination
The Platform reserves the right to modify or terminate this Cancellation and Refund Policy, at any time, in its sole discretion. If the Platform modifies this Cancellation and Refund Policy, the Platform will post the modification on the Platform or provide Users with notice of the modification and the Platform will continue to process all claims for Events made prior to the effective date of the modification according to the then applicable policy.


5.3 Entire Agreement
This Cancellation and Refund Policy constitutes the entire and exclusive understanding and agreement between the Platform and Users regarding the Cancellation and Refund Policy and supersedes and replaces any and all prior oral or written understandings or agreements between the Platform and Users regarding the Cancellation and Refund Policy.


5.4 Time
Time is of the essence of this Cancellation and Refund Policy whenever mentioned.


5.5 Applicable Law Laws of Malaysia shall be the governing law in this Cancellation and Refund Policy.

6. Contacting the Platform
Should Users have any questions about the Cancellation and Refund Policy, kindly contact us via email at support@fintos.tech.