Return Policy

This Return Policy explains our position on returns, refunds, cancellations and exchanges for anything you buy from FT IDEAS ENTERPRISE through https://farhanterubos.com.

This Policy forms part of, and is incorporated by reference into, our Terms of Service. Terms defined there have the same meaning here. This Policy replaces our previous Refund & Cancellation Policy and our previous Shipping Policy.

1. Refunds on digital products

Digital products include our online courses, any downloadable material, and any other product delivered electronically. Two different positions apply, depending on what you bought.

1.1 Paid online courses — 14-day satisfaction guarantee

Every paid online course we sell carries a 14-day satisfaction guarantee. If, within the guarantee period, you decide the course is not right for you, email us and we will refund the full price you paid. You do not have to give a reason, and we will not ask you for one.

When the guarantee period ends. It ends on the later of these two dates:

1. fourteen (14) days after the date of your purchase; and
2. where you bought the course before its modules were released, fourteen (14) days after we give you access to the first module.

Whichever of those two dates falls later is the date your guarantee expires. We measure it this way so that buying early can never leave you holding a guarantee that expired before you were given anything to look at.

The following apply to the guarantee:

• The refund is the full price you paid for that course.
• You may claim it whether or not you have already opened, watched or downloaded the material. We will not refuse a first guarantee claim on the ground that you have already worked through the course.
• The guarantee may be claimed once per person per course.
• It is a contractual promise we choose to give you. It sits in addition to your rights under the law and to Section 4 of this Policy, and it replaces neither.
• How to claim it is in Section 5.1. It takes one email and no explanation.

For the avoidance of doubt: what you are buying is access to modules and a system. The guarantee is a guarantee of your money back — it is not a guarantee of income, a pay rise, career advancement or job security, and we make no such promise anywhere.

1.2 All other digital products

All sales of digital products that are not paid online courses are final. This covers any downloadable material, guide, template or other product delivered electronically. Once your order is complete we do not offer a refund, a return, an exchange, a credit or a cancellation for those products, except as set out in Section 4 or where the law requires it.

We take this position for the following reasons:

1. our digital products are delivered immediately and in full at the point of purchase, so there is nothing to return;
2. once accessed, a digital product cannot be given back or restored to us in its original state;
3. the full curriculum, structure, format and scope of every product is described in detail before purchase, so you know exactly what you are buying; and
4. free material — including the ebook SYSTEMS, NOT CERTIFICATES, the HIS™ Newsletter and the HIS™ Podcast — is available to you at no cost so that you can assess our approach, our teaching style and our standard of work before you spend anything.

Before you buy, please read the product description, review the module list, and satisfy yourself that the product is right for you. If anything is unclear, contact us before you purchase and we will answer honestly, including telling you if we think a product is not right for you.

2. Your statutory rights are not affected

In plain terms: the “all sales final” position in Section 1.2 governs buyer’s remorse on products that carry no guarantee — changing your mind, deciding you do not have time, or deciding you already knew the material. On a paid online course, buyer’s remorse is exactly what the guarantee in Section 1.1 is for. Neither position overrides your legal rights where what we supplied was not what we promised, was defective, was not delivered, or was charged for without your authority. Those situations are dealt with in Section 4.

3. Acknowledgement at checkout

Before you can place an order, our checkout requires you to tick a box confirming that you have read and agree to our Terms of Service. This Policy forms part of those Terms and is incorporated into them by reference, so agreeing to the Terms means agreeing to this Policy. We keep a record of that acknowledgement against your order.

We want to be precise about what that tick-box does and does not do:

• It records your agreement to our Terms of Service and, through them, to this Policy.
• It records that, for digital products which are not paid online courses, all sales are final in accordance with Section 1.2.
• It does not take away the 14-day satisfaction guarantee on a paid online course. That guarantee applies to every course purchase automatically, whatever you tick.
• It is not, on its own, the specific consent and acknowledgement that a consumer in the United Kingdom or the European Economic Area must give before losing a statutory right of withdrawal. Section 8 explains what follows from that, and it follows in your favour.

4. When we will refund you anyway

In addition to the guarantee in Section 1.1, and notwithstanding Section 1.2, we will issue a refund in each of the following situations — whatever you bought, and whether or not any guarantee period has expired. You do not need to argue for it: tell us and we will deal with it.

This list is not intended to reduce your statutory rights. If a refund is due to you under a law that applies to you, we will pay it whether or not the situation appears in this table.

5. How to request a refund

5.1 Claiming the 14-day satisfaction guarantee on a course

Send an email to [email protected] with the subject line “14-Day Guarantee”, and include only:

1. your full name and the email address used at purchase; and
2. your order number.

That is everything we need. Do not explain yourself — we will not ask why. There is nothing for us to decide on a guarantee claim, so we skip the assessment stage in the table below and normally initiate the refund within 3 business days of your email.

5.2 Requesting a refund under Section 4

Send an email to [email protected] with the subject line “Refund Request”, and include:

1. your full name and the email address used at purchase;
2. the order number or transaction reference;
3. the date of purchase and the payment method used;
4. which situation in Section 4 you are relying on; and
5. any evidence you have, such as a screenshot of an error message or a bank statement line showing a duplicate charge.

Business days are Monday to Friday, excluding public holidays gazetted in Kuala Lumpur.

6. How refunds are paid

• Refunds are made to the original payment method only. We cannot refund to a different card, account or person.
• Refunds are made in Malaysian Ringgit (MYR), being the currency of the original charge. If your card was denominated in another currency, the amount you receive may differ from the amount you paid because of exchange rate movements and your bank’s conversion charges. We are not responsible for that difference.
• We do not refund any bank charge, currency conversion fee, or payment processor fee levied by a third party.
• We do not offer store credit, vouchers or exchanges in place of a refund.

6.1 Effect of a refund

Where a refund is issued:

• your licence to the product terminates immediately;
• your access to the product, and to any associated Account area, is revoked;
• you must permanently delete every copy of any material you downloaded, printed or saved, and confirm to us in writing that you have done so if we ask; and
• any continued use of the material after a refund is an infringement of copyright and a breach of our Acceptable Use Policy.

7. Physical goods

We do not currently sell physical goods. We may in future sell a printed book or similar item. When we do, the following applies, in addition to and without limiting your rights under the Sale of Goods Act 1957 and the Consumer Protection Act 1999.

7.1 Damaged, defective or incorrect items

• Inspect your order on arrival. If an item arrives damaged, defective, incomplete or is not what you ordered, tell us within 14 days of delivery at the email address in Section 5, with photographs of the item and its packaging.
• We will offer a replacement, a repair, or a full refund including the original delivery charge, at your election where the law provides for it.
• We pay the return postage where the fault is ours.

7.2 Change of mind

• We do not accept returns of physical goods on change of mind alone, except where the law requires it.
• Where a return is accepted, the item must be unused, in its original condition and packaging, and returned within 14 days. You pay the return postage and you bear the risk of loss in transit, so we recommend a tracked service.

7.3 Delivery

• We will state the delivery method, cost and estimated delivery window at checkout before you pay.
• Risk in physical goods passes to you on delivery. Title passes on payment in full.
• Estimated delivery times are estimates. We are not liable for delay caused by a courier, by customs, or by any other cause outside our reasonable control.
• You are responsible for any import duty, tax or customs charge levied in the destination country.
• If a parcel is returned to us because you gave an incorrect address or failed to collect it, we will refund the price of the goods less our outbound and return delivery costs.

8. Consumers in the United Kingdom and the European Economic Area

If you are a consumer resident in the United Kingdom or the European Economic Area, you normally have a statutory right to withdraw from a distance contract within fourteen (14) days without giving a reason, under the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 or the national law implementing Directive 2011/83/EU.

For digital content supplied without a tangible medium, that right is lost only where all of the following apply:

1. you gave your prior express consent to the supply beginning before the end of the 14-day withdrawal period;
2. you acknowledged that you would thereby lose your right of withdrawal; and
3. we provided you with confirmation of that consent and acknowledgement on a durable medium.

Your statutory rights in respect of digital content that is not of satisfactory quality, not fit for purpose, or not as described are unaffected by this Section.

Separately from your statutory position, every paid online course carries the contractual 14-day satisfaction guarantee in Section 1.1, and we honour it whether or not your statutory right of withdrawal has been lost. Where both are available to you, you may rely on whichever is more favourable.

9. Chargebacks

If you believe a charge is wrong, please contact us before contacting your bank or card issuer. We will almost always resolve a genuine problem faster than a chargeback will, and a chargeback filed without first contacting us costs us a fee whether or not it succeeds.

If you file a chargeback:

• we will suspend your access to the product immediately, pending the outcome;
• we will submit evidence to the processor, which may include your order record, your acknowledgement of this Policy at checkout, your access and login logs, and our correspondence with you;
• if the chargeback is resolved in our favour, we may require payment of any fee charged to us before restoring your access; and
• if we consider the chargeback to have been made in bad faith, we may permanently terminate your Account and decline to do business with you again.

Nothing in this Section prevents you from exercising a genuine right to dispute an unauthorised or incorrect transaction with your bank or card issuer.

10. Anti-abuse

• This Section does not cut down the guarantee in Section 1.1. We will not refuse your first guarantee claim on a course because you have already consumed or downloaded the material, and we will not require you to justify the claim.
• Subject to the bullet above, we may decline a refund request where we reasonably believe it is fraudulent, dishonest, or part of a pattern of abuse — for example, repeated purchase-and-refund of the same or similar products across multiple orders, email addresses or accounts.
• Outside the guarantee, we may limit customers to one discretionary refund in any lifetime. This limit does not apply to a claim under Section 1.1, to a refund under Section 4, or to any refund we are legally required to make.
• Where a refund follows termination of your Account for breach of our Acceptable Use Policy, no refund is due, and any sum already paid is retained.

11. Cancellations and subscriptions

We do not currently sell subscriptions, memberships billed on a recurring basis, or free trials that auto-convert to a paid plan. Our paid products are sold on a one-off basis with lifetime access as defined in our Terms of Service, so there is nothing to cancel and no recurring charge to stop.

If we introduce a recurring product in future, we will publish the cancellation terms before it goes on sale, and we will not begin charging you on a recurring basis without your clear, separate and informed consent.

12. If we withdraw a product

If we permanently retire a product you have bought, we will give you at least sixty (60) days’ notice by email and will make the then-current material available for download during that period. Retirement of a product after you have had the benefit of it does not entitle you to a refund. This is set out in Section 8 of our Terms of Service. It does not affect a 14-day satisfaction guarantee under Section 1.1 that has not yet expired.

13. Complaints and dispute resolution

If you are unhappy with a decision we have made under this Policy, tell us at [email protected] with the subject line “Refund Decision — Appeal”. We will review it and respond within fourteen (14) days.

If the matter is still unresolved, our Terms of Service require both of us to attempt to resolve it in good faith for thirty (30) days before formal proceedings are commenced.

If you are a consumer within the meaning of the Consumer Protection Act 1999, you may lodge a claim with the Tribunal for Consumer Claims Malaysia (Tribunal Tuntutan Pengguna Malaysia, “TTPM”) for claims not exceeding RM50,000. Nothing in this Policy limits or purports to limit that right, or your right to complain to any competent regulator.

If you are a consumer in the European Union, you may also use the European Commission’s Online Dispute Resolution platform, although we are not obliged to participate in it.

14. Changes to this Policy

We may update this Policy from time to time. The version that applies to your purchase is the version published on the Site at the moment you completed that purchase, and we keep an archive of superseded versions.

A change to this Policy never operates retrospectively to reduce a right you had at the time of your purchase.

14.1 Version history

15. Governing law

This Policy is governed by the laws of Malaysia and is subject to the dispute resolution and jurisdiction provisions in Sections 23 and 24 of our Terms of Service. If you are a consumer resident in the United Kingdom or the European Economic Area, nothing in this Policy deprives you of the protection of any mandatory provision of the law of your country of residence.

16. Contact

© FT IDEAS ENTERPRISE. All rights reserved. This Return Policy should be read together with our Terms of Service, Privacy Policy, Cookie Policy and Acceptable Use Policy, each of which is published at https://farhanterubos.com.