1. Who these Terms are between

These Terms of Service (“Terms”) are a legally binding agreement between you (“you”, “your”, the “User”) and:

In these Terms, “we”, “us” and “our” mean the above business.

These particulars are disclosed in accordance with the Consumer Protection (Electronic Trade Transaction) Regulations 2024 and the Electronic Commerce Act 2006 (Act 658).

2. Acceptance of these Terms

By accessing the Site, subscribing to the Newsletter, downloading a Free Resource, creating an Account or purchasing a Product, you confirm that you have read, understood and agree to be bound by these Terms, together with our Privacy Policy, Cookie Policy, Acceptable Use Policy and Return Policy, each of which is incorporated into these Terms by reference.

If you do not agree to these Terms, you must not use the Site or purchase anything from us.

These Terms are concluded electronically. In accordance with the Electronic Commerce Act 2006, an electronic acceptance — including clicking a button marked “I agree”, “Register”, “Subscribe” or “Complete purchase” — has the same legal effect as a signature on paper.

3. Definitions

4. Eligibility

To use the Services you must:

1. be at least eighteen (18) years of age;
2. have the legal capacity to enter into a binding contract under the Contracts Act 1950 (Act 136) and the Age of Majority Act 1971 (Act 21);
3. not be barred from receiving our Services under the laws of Malaysia or of the country in which you are resident; and
4. provide accurate and complete information when you register or purchase.

Under section 11 of the Contracts Act 1950, a person who has not attained the age of majority is not competent to contract, and a contract entered into by a minor is generally void. We do not knowingly contract with minors. If we discover that an Account belongs to a person under 18, we may suspend or terminate it.

5. Your Account

• You are responsible for maintaining the confidentiality of your Account credentials and for all activity that occurs under your Account.
• Your Account is personal to you. You must not share, sell, transfer, lend or otherwise make your credentials available to any other person, and you must not permit any other person to access a Product through your Account. See our Acceptable Use Policy.
• You must notify us immediately at the email address in Section 1 if you become aware of any unauthorised use of your Account.
• We may suspend or terminate an Account that we reasonably believe is being shared, that has been compromised, or that is being used in breach of these Terms or the Acceptable Use Policy.
• You may delete your Account at any time from within your Account settings, or by asking us to delete it. Deletion has the consequences described in our Privacy Policy, and, where you have purchased a Product, will end your access to it without any refund.

6. Free Resources and Newsletter

• Free Resources and the Newsletter are provided at no charge and on an “as is” basis.
• We may change, suspend or discontinue any Free Resource or the Newsletter at any time and without notice or liability.
• Access to a Free Resource is conditional on your giving us a valid email address and consenting to receive email from us. You may unsubscribe at any time.
• A Free Resource is licensed to you on the terms set out in Section 12. It is not placed in the public domain and it is not free of copyright.

7. Products, pricing and orders

7.1 Our Products

At the date of these Terms we offer, or intend to offer, the following:

• an online course, sold on a one-off basis with lifetime access as described in Section 8;
• Free Resources and the Newsletter, at no charge; and
• in future, physical goods such as a printed book. These Terms will apply to those goods, supplemented by the delivery and returns provisions in our Return Policy.

We do not currently offer subscriptions, free trials, memberships billed on a recurring basis, one-to-one coaching or consulting services. If we introduce any of these, we will update these Terms before doing so.

7.2 Prices and taxes

• All prices are stated in Malaysian Ringgit (MYR / RM) unless expressly stated otherwise.
• We are not currently registered for service tax on digital services, because our taxable turnover is below the registration threshold. Prices are therefore quoted without service tax. If we become liable to register under the Service Tax Act 2018, we will charge service tax at the prevailing rate from the date registration takes effect and will state it clearly at checkout. We will not apply it retrospectively to completed orders.
• You are responsible for any import duty, value added tax, goods and services tax, withholding tax or other charge imposed by the authorities of your own country. We cannot advise you on your local tax position.
• We may change our prices at any time. A price change does not affect an order you have already placed and paid for.
• Promotional prices are available only for the period and on the conditions stated. We do not apply a promotional price retrospectively to a purchase made before the promotion began, and we do not refund the difference.

7.3 How a contract is formed

1. Our display of a Product on the Site is an invitation to treat, not an offer capable of acceptance.
2. Your submission of an order and payment is an offer to buy on these Terms.
3. A binding contract is formed only when we send you an order confirmation or make the Product available to you, whichever happens first.
4. We may decline any order, and will tell you if we do. Where we decline an order after payment has been taken, we will refund it in full.

7.4 Errors

We take care to describe and price our Products accurately. If an obvious and unmistakable pricing or description error occurs and you could reasonably have recognised it as an error, we are not obliged to supply at the incorrect price. We will contact you, and you may confirm the order at the correct price or cancel it for a full refund.

8. “Lifetime access” — what it means

Where a Product is sold with lifetime access, this means access for as long as we continue to make that Product commercially available, and not for the natural life of any person.

• We will use reasonable efforts to keep a Product available for at least twenty-four (24) months from your date of purchase.
• If we permanently retire a Product, we will give existing purchasers at least sixty (60) days’ notice by email and will make the then-current Content available for download during that period, so that you retain what you paid for.
• Lifetime access does not entitle you to future products, future courses, upgrades, live support, or any other product we may release separately.
• We may update, revise, add to or remove parts of a Product from time to time. We are not obliged to maintain any specific lesson, module, file or feature.
• Access is subject to your continued compliance with these Terms and the Acceptable Use Policy. If we terminate your access for breach, no refund is due.

9. Payment

• We accept payment through Stripe, PayPal, Billplz and Razorpay. Each processor operates under its own terms and privacy policy, which you accept when you use it.
• The merchant of record shown on your statement is FT IDEAS ENTERPRISE.
• We do not collect, process or store full payment card numbers. Card data is captured directly by the processor.
• You warrant that you are authorised to use the payment method you provide, and that there are sufficient funds or credit available.
• If a payment is reversed, charged back, or fails after access has been granted, we may suspend or terminate your access immediately and recover any sum owing, together with any fee the processor charges us in connection with the reversal.

10. Delivery

• Digital Products and Free Resources are delivered electronically, by making them available in your Account or by sending a download or access link to the email address you gave us.
• Delivery is normally immediate on payment. Where a Product is sold before launch, we will state the release date at the point of sale.
• You are responsible for providing a valid email address and for ensuring that our messages are not blocked or filtered. We are not responsible for non-delivery caused by an incorrect address, a full mailbox, or your spam filter.
• You are responsible for having the internet connection, device and software required to access a digital Product.
• Delivery arrangements for physical goods, if and when we sell them, are set out in our Return Policy.

11. Refunds

Paid online courses carry a 14-day satisfaction guarantee. If a course is not right for you, tell us within the guarantee period and we will refund the full price you paid. You do not have to give a reason. The guarantee period ends on the later of fourteen (14) days after your purchase and, where you bought before the modules were released, fourteen (14) days after we give you access to the first module. Section 1.1 of our Return Policy sets out how to claim it.

Sales of all other digital Products are final. We do not offer refunds, returns, exchanges or cancellations on those Products once the order is complete.

This is because those digital Products are delivered immediately and in full, and cannot be returned once accessed.

This clause is subject to our Return Policy, which sets out:

• the 14-day satisfaction guarantee on paid online courses, and how to claim it in one email;
• the limited circumstances in which we will nevertheless issue a refund, including duplicate charges, non-delivery and unauthorised transactions;
• your rights in relation to physical goods; and
• the statutory rights that apply to you regardless of this clause, including the 14-day right of withdrawal available to consumers in the United Kingdom and the European Economic Area unless validly waived.

12. Intellectual property and your licence

12.1 Our rights

All Content is owned by FT IDEAS ENTERPRISE or licensed to us, and is protected by the Copyright Act 1987 (Act 332), the Trademarks Act 2019 (Act 815) and applicable international treaties. Nothing in these Terms transfers ownership of any intellectual property to you.

The marks HIS™, FT IDEAS and Farhan Terubos, and our logos and brand assets, are trade marks in which we claim rights. HIS™ is not currently a registered trade mark in Malaysia. We use the ™ symbol to signify a claim of unregistered rights at common law. We do not represent it as registered, and we note that falsely representing a trade mark as registered is an offence under section 104 of the Trademarks Act 2019.

12.2 What you may do

On payment in full (or, for a Free Resource, on subscription), we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to:

• access, view, download and read the Content for your own personal and internal professional use;
• print a reasonable number of copies for your own reference; and
• apply the ideas, systems and methods you learn in your own work and in your own business.

You may apply what you learn commercially. We do not claim any interest in the results you produce using our methods, or in any income you earn from them.

12.3 What you may not do

Except as expressly permitted above, or with our prior written consent, you must not do any of the things set out in our Acceptable Use Policy, which includes (without limitation) reselling, redistributing, republishing, sharing credentials, recording, or using the Content to build a competing product. Those restrictions form part of these Terms.

12.4 Fair dealing

Nothing in these Terms restricts any act that constitutes fair dealing under section 13(2)(a) of the Copyright Act 1987 for the purposes of non-profit research, private study, criticism, review or the reporting of current events, provided that sufficient acknowledgement is given.

13. Your content and testimonials

• You retain ownership of any content you submit to us, including comments, questions, feedback and testimonials (“User Content”).
• By submitting User Content, you grant us a worldwide, royalty-free, perpetual, irrevocable, non-exclusive, sublicensable licence to use, reproduce, adapt, publish, translate and display that User Content in connection with the operation and promotion of our Services, including in marketing material, on the Site, in email and on social media.
• We may attribute a testimonial to you by first name, full name, initials, or anonymously. If you ask us in writing to stop using a testimonial, we will remove it from our own channels within a reasonable period, although we cannot recall material already distributed.
• You warrant that your User Content is your own, that it is accurate, that it does not infringe any third party’s rights, and that it complies with our Acceptable Use Policy.
• We are not obliged to publish, retain or moderate any User Content, and we may remove it at any time and for any reason.

14. Affiliate links and commercial disclosure

Some links published on the Site, in the Newsletter or within a Product are affiliate links. If you click one and go on to buy from that provider, we may receive a commission or other benefit at no additional cost to you.

• We disclose affiliate relationships where they exist.
• A commission does not change what we recommend. We recommend only tools we have used ourselves.
• We are not the seller of any third-party product reached through an affiliate link, we have no control over it, and we give no warranty in relation to it. Your contract for that product is with the third party, and any dispute about it is between you and them.

This disclosure is made in the interests of transparency and to avoid any suggestion of misleading conduct under the Consumer Protection Act 1999.

15. No professional advice

Our Content is educational and informational. It is not professional advice and must not be relied on as such.

• Nothing we publish constitutes legal advice. We are not a law firm and we are not qualified to advise you on the law.
• Nothing we publish constitutes financial, investment or tax advice. We are not licensed under the Capital Markets and Services Act 2007 and we do not hold any licence issued by the Securities Commission Malaysia or Bank Negara Malaysia.
• Nothing we publish constitutes medical or psychological advice.
• Nothing we publish constitutes employment, human resources or career advice specific to your circumstances, and nothing we publish should be treated as advice on your own contract of employment or on your employer’s policies.

You should obtain advice from an appropriately qualified professional before acting on anything you read, watch or hear from us. Your decisions and their consequences are your own.

15.1 No guarantee of results

We make no representation, warranty or guarantee that you will achieve any particular result — including any saving of time, any improvement in productivity, any career outcome, any promotion, any income, or any increase in earnings — from using our Content.

Where we describe an outcome, we describe our own experience or the reported experience of a specific individual. Individual results depend on effort, skill, circumstances, market conditions and factors outside our control. Any testimonial or case study is the experience of that person alone and is not a promise of what you will achieve.

15.2 Artificial intelligence tools

Our Content teaches the use of third-party artificial intelligence tools. You acknowledge that:

• we do not own, operate or control those tools, and their availability, pricing, features and terms may change at any time;
• your use of any such tool is governed by that provider’s own terms and privacy policy, which you must read and comply with;
• AI-generated output can be inaccurate, incomplete, biased or entirely fabricated, and must be independently verified before you rely on it;
• you are solely responsible for what you input into an AI tool, and you must not input confidential information, personal data of others, or material belonging to your employer without proper authority; and
• we accept no liability for any loss arising from your use of a third-party AI tool.

16. Personal capacity and independence

The founder of this business, Farhan Terubos, is separately employed on a full-time basis. All Content, opinions, systems, examples and recommendations published through the Services are made in a personal capacity only.

• The Services are not endorsed, sponsored, approved or affiliated with any employer, and nothing published should be read as representing the views of any employer.
• No confidential information, proprietary system, internal document, client data or trade secret belonging to any employer or third party is used in, disclosed through, or forms any part of the Content.
• Any example given is either constructed for teaching purposes or drawn from this business’s own independent projects.
• The Services are operated outside contracted working hours and do not compete with any employer’s business.

17. Availability of the Services

• We do not guarantee that the Services will be available continuously, uninterrupted or error-free. They may be unavailable for maintenance, upgrades, or for reasons outside our control.
• We may modify, suspend, withdraw or discontinue any part of the Services at any time. Where a change materially reduces what a paying customer has bought, we will give reasonable notice.
• We do not warrant that the Services are free from viruses or other harmful components, and you are responsible for maintaining your own security measures.

18. Suspension and termination

We may suspend or terminate your access to any or all of the Services, immediately and without refund, if:

1. you breach these Terms, the Acceptable Use Policy or any other policy incorporated into them;
2. we reasonably suspect fraud, unauthorised access, credential sharing, or unauthorised distribution of Content;
3. a payment is reversed, charged back or fails;
4. you use the Services in a manner that exposes us to legal liability or regulatory action; or
5. we are required to do so by law or by a competent authority.

You may stop using the Services at any time and may delete your Account. Termination does not entitle you to a refund of any sum paid, and does not affect any right or liability that accrued before termination.

The following survive termination: Sections 12, 13, 15, 16, 19, 20, 21, 22, 23, 24 and any other provision which by its nature is intended to survive.

19. Warranties and disclaimers

To the fullest extent permitted by law, and subject always to Section 20.4:

• the Services and all Content are provided “as is” and “as available”, without warranty of any kind, whether express, implied or statutory;
• we disclaim all implied warranties, including any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, and non-infringement; and
• we do not warrant that the Content is complete, current, or suitable for your particular circumstances.

20. Limitation of liability

20.1 Types of loss we exclude

To the fullest extent permitted by law, we are not liable to you for:

• loss of profit, revenue, business, contracts, anticipated savings or opportunity;
• loss of goodwill or reputation;
• loss or corruption of data;
• loss arising from your reliance on Content as though it were professional advice;
• loss arising from a third-party product, platform or artificial intelligence tool; or
• any indirect, special, incidental, consequential or punitive loss,

in each case whether arising in contract, tort (including negligence), breach of statutory duty, restitution or otherwise, and whether or not the loss was foreseeable.

20.2 Financial cap

Our total aggregate liability to you arising out of or in connection with these Terms and the Services, in respect of all claims taken together in any twelve (12) month period, is limited to the greater of:

1. the total amount you actually paid to us in the twelve (12) months immediately before the event giving rise to the claim; and
2. Ringgit Malaysia Five Hundred (RM500.00).

20.3 Free users

Where you have paid us nothing, our total aggregate liability to you is limited to RM500.00.

20.4 What we never exclude

Nothing in these Terms excludes or limits our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• any liability that cannot lawfully be excluded or limited under the Consumer Protection Act 1999, the Contracts Act 1950 or any other written law of Malaysia; or
• where you are a consumer in the United Kingdom or the European Economic Area, any liability that cannot lawfully be excluded or limited under the consumer protection law applicable to you.

This Section 20 allocates risk between us in a manner reflected in our pricing. You accept that the limitations are reasonable.

21. Indemnity

You agree to indemnify us and keep us indemnified against all claims, demands, proceedings, losses, damages, costs and expenses (including reasonable legal fees on a solicitor-and-client basis) arising out of or in connection with:

• your breach of these Terms or of the Acceptable Use Policy;
• your unauthorised reproduction, distribution or resale of the Content;
• any User Content you submit; or
• your use of the Services in a manner that infringes the rights of any third party or breaches any applicable law.

22. Force majeure

We are not liable for any failure or delay in performing our obligations where that failure or delay results from an event beyond our reasonable control, including an act of God, flood, fire, epidemic or pandemic, war, civil unrest, terrorism, industrial action, failure of a public telecommunications or internet network, failure of a hosting or payment provider, cyber attack, or any act, order or restriction imposed by a government or regulator.

23. Dispute resolution

23.1 Talk to us first

If you have a complaint or dispute, you must first raise it with us in writing at [email protected], setting out the nature of the dispute and the outcome you are seeking. We will acknowledge within five (5) business days and will use reasonable efforts to resolve it with you in good faith within thirty (30) days.

Neither party may commence formal proceedings until this thirty-day period has expired, except where a party seeks urgent injunctive or other interim relief, or where a limitation period is about to expire.

23.2 Consumer claims tribunal

If you are a consumer within the meaning of the Consumer Protection Act 1999 and the dispute is not resolved, you may lodge a claim with the Tribunal for Consumer Claims Malaysia (Tribunal Tuntutan Pengguna Malaysia, “TTPM”) for claims not exceeding RM50,000, in accordance with Part XII of that Act.

Nothing in these Terms limits or purports to limit your right to lodge a claim with the TTPM or with any other competent regulator.

23.3 Courts

Subject to Sections 23.1 and 23.2, any dispute arising out of or in connection with these Terms shall be submitted to the non-exclusive jurisdiction of the courts of Kuala Lumpur, Malaysia. We have not agreed to arbitration, and nothing in these Terms requires you to arbitrate.

If you are a consumer resident in the United Kingdom or the European Economic Area, nothing in this Section deprives you of the protection of any mandatory provision of the law of your country of residence, or of your right to bring proceedings in the courts of that country where the law so provides.

24. Governing law

These Terms, their subject matter and their formation are governed by and construed in accordance with the laws of Malaysia, without regard to any conflict of laws principle that would apply the law of another jurisdiction.

25. General

• Entire agreement. These Terms, together with the Privacy Policy, Cookie Policy, Acceptable Use Policy and Return Policy, constitute the entire agreement between us and supersede all prior discussions, representations and understandings. Nothing in this clause limits liability for fraudulent misrepresentation.
• Severability. If any provision is held invalid, illegal or unenforceable, it shall be severed and the remaining provisions shall continue in full force. Where possible, the provision shall be read down to the minimum extent necessary to make it valid and enforceable.
• No waiver. A failure or delay in enforcing any provision is not a waiver of it, and a single or partial exercise of a right does not prevent its further exercise.
• Assignment. You may not assign or transfer your rights under these Terms without our written consent. We may assign or transfer our rights and obligations, including on a sale or reorganisation of the business, and will tell you if we do.
• No partnership or agency. Nothing in these Terms creates a partnership, joint venture, agency or employment relationship between us.
• Privity. These Terms confer rights only on you and on us. No third party has any right to enforce any provision of them.
• Notices. Notices to us must be sent to the email or postal address in Section 1. Notices to you will be sent to the email address held on your Account, and are deemed received twenty-four (24) hours after sending unless we receive a delivery failure.
• Headings. Headings are for convenience only and do not affect interpretation.

26. Changes to these Terms

We may amend these Terms from time to time. The current version is always published on the Site with its version number and effective date.

• For material changes, we will give account holders and subscribers at least fourteen (14) days’ notice by email or by prominent notice on the Site before the change takes effect.
• For non-material changes — corrections, clarifications, updated contact details — the change takes effect on publication.
• Continuing to use the Services after a change takes effect constitutes acceptance of the amended Terms. If you do not accept them, you must stop using the Services.
• A change to these Terms does not retrospectively alter the terms on which you bought a Product before the change took effect.

26.1 Version history

27. Language

These Terms are issued in English. Where a Bahasa Melayu translation is published, it is provided for convenience and accessibility. In the event of any inconsistency, the English version prevails, save where Malaysian law requires otherwise.

28. Contact us

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